EMPOWER
We are here for you!
Advanced Flex Plan Administration with the Human Touch

Flexible Spending Account

A Flexible  Spending Account (FSA) is an employee benefit that enables participants to set aside pre-tax dollars from each paycheck to pay for eligible medical and/or dependent care costs.

Components of the FSA

FSA Participants may choose to enroll in the Health FSA, Dependent Care FSA, or both before the start of each Plan Year.

Health FSA

Covers eligible medical, dental, and vision expenses for the employee, spouse, and dependents.

The participant’s entire yearly Health FSA election is available to use on the first day of the Plan Year.

Dependent Care FSA

Covers dependent care while the employee is at work.

The participant’s Dependent Care FSA funds are available only after being deducted from his or her paycheck.

Unused funds at the end of the Plan Year are subject to carryover limits

How an FSA Saves

Employers

  • Since participant contributions reduce taxable income, the Employer’s FICA/FUTA is reduced.

Participants

  • Contributions are pre-tax. This can save the participant 25%-40% on eligible expenses.

Employee Eligibility

Employees who are eligible for the Group Health Plan are eligible to enroll in the FSA. Employees can join the FSA without enrolling in the Group Health Plan.

Who Can Contribute

Participants and Employers can contribute to an FSA.

Employees who contribute to a Health Savings Account are not eligible to enroll in a Health FSA. These employees can enroll in a Limited Purpose FSA.

How it Works

For Employers

The Employer hosts Open Enrollment with employees and enrolls those who wish to sign up for the FSA.

The Employer deducts pre-tax contributions from each participant’s paycheck. These contributions are held by the Employer.

EMPOWER administers the Plan and sends reimbursements to employees. The Employer only pays for expenses used by employees.

For Participants

Employees enroll in the FSA and choose their annual elections.

The Employer deducts pre-tax contributions from each participant’s paycheck.

Participants pay for eligible expenses with the EMPOWER Visa Debit Card or seek reimbursement from EMPOWER.

Health FSA

Dependent Care FSA

EMPOWER Can Tailor an FSA to Meet Your Needs

Employers can customize their plans with many options, including:

Reimbursement Methods

  • EMPOWER Visa Debit Card
  • Check
  • Direct Deposit
  • Check Register sent to Employer

Carryover

Employers can choose how unused funds can be used in the next Plan Year.

Contribution Limits

Employers can choose the maximum annual election limits for participants.

Want the Latest Contribution Limits and Guidelines?

EMPOWER’s Benefits Solutions Guide takes the guesswork out of benefits by providing a comprehensive synopsis of each plan type, as well as comparisons and sample scenarios

EMPOWER Participant
Mobile App Download

If you have an FSA, HRA, or HSA with EMPOWER, we encourage you to
download the Mobile App to manage your benefits on the go!
Apple iOS
Google Android

EMPOWER LOGIN

I am a Participant
Click the above link if you are a participant who has an FSA, HSA, or HRA with EMPOWER.
I am an Employer
Click the above link if you are an Employer or Consultant.

Download Forms

Click one of the links below to view the available forms.

I am a Participant
Click the above link if you are a participant who has an FSA, HSA, or HRA with EMPOWER.
I am an Employer
Click the above link if you are an Employer or Consultant.