After initial enrollment, employees and employers can make changes to their FSA contributions in only three cases: before the plan year begins, before a new hire's effective date, and in the case of a qualifying life event. Please contact Support in order to change FSA contributions after experiencing a QLE.
FSA contribution changes due to a QLE must reflect the nature of the event. For example:
Yes! You may order your spouse or children their own Benefit card directly from your Zenefits dashboard. To do this you may navigate to the applicable app (FSA/ HSA /HRA), and underneath “Need a dependent card?” you may select “Order/replace it”. Once you have chosen to order or replace the card the system will take you through the flow of choosing which dependent you would like the card for, as well as which address you would like the card shipped to.
Cards take about 7-10 business days to arrive. Dependent cards cannot be ordered for commuter benefits.
Zenefits supports simultaneous participation in a Health Care and Child & Elderly Care FSA and an HRA, and in a Child & Elderly Care FSA and an HSA. For the former, the Flex Benefits system will automatically use up the HRA funds before the FSA funds.
Zenefits does not support simultaneous enrollment in a Health Care FSA and an HSA.
As an employee, you can only change elections to your personal FSA during the renewal period or after experiencing a qualifying life event, such as a change in marital status or the birth of a child. If you have experienced an applicable qualifying life event, please contact Support. Please also include the date of the Qualifying Life Event, as well as what the event was.
No. You can have both a Health Care and Child & Elderly Care FSA, but they are funded separately, and funds cannot be transferred between the two. For example, If you have both accounts and try to make a medical purchase, but do not have enough funds in your Health Care FSA, your purchase will be declined regardless of the balance in your Child & Elderly Care FSA.
Yes! Your contribution limits (and FSA) are tied to your employer's plan. If you contribute to an FSA through one employer, then leave for another employer and contribute to a new FSA, you can contribute up to the annual limit through your new employer, regardless of how much you contributed through the previous employer.
For example, if you contributed $2700 (2019 limit) to a Health Care FSA with your previous employer, and you switch jobs in the same year, you can also contribute up to $2700 ( 2020 limit will increase to $2750) with the new employer.
This specifically applies to Health Care FSAs only , not Dependent Care FSAs.
If you lose your Zenefits Card, you can order a new one from the Commuter Benefits, Flexible Spending Account, or Health Savings Account apps:
Please allow 10-15 days for your new card to arrive. If you'd like order an additional card for someone else, e.g., your spouse or child, see these instructions.
You can view the total available funds in your Health Care FSA and/or Child & Elderly Care FSA in the Flexible Spending Account app. Simply click on the app from your dashboard and look for your FSA funds under Benefits Summary.
If you've gone through a qualifying life event (QLE) and would like to enroll in an FSA, contact Support within 30 days of the event and provide:
Changes to an FSA due to a QLE will take effect the first of the month following the event date. If the QLE is due to the birth of a child, then the effective date of the change will be the first of the month in which the event took place. Please note that the employee's annual election will be split between the number of pay periods between the effective date and the FSA renewal. Therefore, deductions might be higher than expected.
FSA contribution changes due to a QLE must reflect the nature of the event. For example:
Acceptable Changes
• If an employee's dependent turns 26, it would be acceptable for the employee to decrease their FSA contribution to reflect the loss of a dependent.
• If an employee adopt a baby, they may want to increase their elections to accommodate the new medical expenses and/or day care costs for the new family addition.
• If an employee gets married, they may want to increase their elections to accommodate the new medical expenses for their spouse.
• If an employee's spouse loses their job (and therefore loses coverage), it would be acceptable for the enrollee to increase their FSA contribution (or sign up for the first time).
Unacceptable Changes
• An employee wants to reduce their Child & Elderly Care FSA contributions after the birth of a child. Though birth is a QLE, the reduction is not consistent with the QLE.
If you paid out of pocket for an expense that’s covered by your FSA, you can submit a claim to receive a reimbursement. To submit a claim, follow these steps:
Once your employment ends, you won't be able to spend your FSA funds, but you do have 90 days to submit claims for FSA-eligible expenses that you incurred while employed and during the current plan year. The Flexible Spending Account app will still appear on your dashboard in order for you to submit claims. Any unused money remaining in your FSA at the end of the plan year is returned to your employer. If you're called to active military service during your FSA plan year, though, you'll be able to cash out your FSA balance.
Multiple reimbursement claims can be submitted at the same time as long as all required documentation is supplied.
What happens to your funds depends on the “end type” of your company’s FSA plan:
You can see your FSA plan’s end type in your Flexible Spending Account app. Simply click on the app from your dashboard and look for one of the above end types under Benefits Summary.
Regardless of your plan’s end type, you’ll have a 90-day runout period after your FSA ends, which allows you to submit claims for any expenses you incurred during your FSA plan period.
There are three common reasons why your FSA purchase (either with your Zenefits Card, or by submitting a claim) was denied:
You can check your available funds and your plan's start date in your Flexible Spending Account app. Simply click the app on your dashboard, then look under Benefits Summary to view your available funds and start date.
To determine why your claim was denied, open the Flexible Spending Account app, click "Claims," and hover over the question mark next to the "Declined" status.
If you have any questions or concerns about why your claim was denied, you can reach Zenefits FlexBen Claims Department at 1.866.609.4655.
Still need our help? Our support team is waiting to help you. Contact us