Dependent Care FSA ("HCFSA") FAQs for Employees

What is a Depedent Care FSA ("DCFSA")?


An DCFSA is an opt-in employee benefit sponsored by your company. They're helping you save money on your essential expenses! If you pay for dependent care, a DCFSA can help you pay for those using contributions from your pay before taxes are deducted, meaning you're saving on income taxes.




What can I use an DCFSA on?


Common eligible expenses include:

  • Care for your child who is age 12 or under:
    • Preschool, nursery, and daycare
    • Before and after school programs
    • Nanny and au pair services
    • Day summer camps
    • Transportation provided by licensed care providers
  • Care for your child age 13 or over, your spouse, or a relative who is physically and/or mentally incapable of basic self-care and lives in your home
If you have questions about your specific situation, please email support@getbenepass.com.




How much should I elect?


For each calendar year, estimate the amount you spend on child care and adult care. The maximum election during the 2020 calendar year is $5,000. Need help? Check out our election worksheet for guidance. 😎




What happens to unused funds at the end of the year?


Unused funds at the end of the year unfortunately will expire. You may submit a reimbursement claim until March 31, 2020 for expenses incurred prior to December 31, 2020.




How do I use my DCFSA?


Download the Benepass app through the Apple App Store or Google Play Store. You may either:

  • Pay for eligible expenses with your Benepass card (virtual + physical)
  • Submit a reimbursement claim through the Benepass mobile app




Why should I use the DCFSA?


Because paying for child care and/or adult care is expensive. You can immediately save 20-40% (depending on your tax bracket) on these essential expenses! The money you set aside for the DCFSA is not taxed. Therefore, you're not paying federal income taxes, state taxes, Social Security tax, Medicare tax... none of the taxes on the amount you elect for your DCFSA. At Benepass, we're all about keeping more of your hard-earned money. 💰




I have other questions.


And we have answers! Email us at support@getbenepass.com and we'll get right back to you.