EMPOWER

We are here for you!

Advanced Flex Plan Administration with the Human Touch

Welcome to Your Flexible Spending Account (FSA)

This page explains the FSA for new participants. If you have not yet enrolled in your Employer’s FSA and are still deciding, click here for more information.

Download EMPOWER’s FSA Welcome Guide.

Download Forms and Guides

Start Here to Maximize Your FSA

Congratulations on enrolling in your Employer’s FSA. An FSA is a great way to  save on medical, dental, vision, and/or dependent care expenses.

Please review this page or download the Welcome Guide above to familiarize yourself with your new benefit. This information applies to both Health and Dependent Care FSAs.

 

Table of Contents

Next Steps

Set up Your Online Account
Set up Your Mobile Account
Receive EMPOWER Visa Debit Cards in the Mail
Use Your Benefits!

Set up Your Online Account

Setting up an online account is not required, but helps you manage your FSA. Below are examples of what you can do with your Online Account:
  • Check your balance
  • Submit claims
  • Order a replacement debit card
  • Submit substantiation receipts
  • Add your bank account for direct deposit (if allowed by your Employer)

Note that the Online Portal and Mobile App use the same username and password. If you set up your username and password using one method, you will use the same credentials to log into the other.

How to Create Your Online Account

  1. Click the Log In button on the top right of any page on empowerflex.com or click the button above.
  2. A popup will be displayed. Click on the Participant Login link.
    1. Note that this popup will not show in Internet Explorer. Edge and Chrome are recommended browsers.
  3.  Click the Get Started button on the right side of the login screen.
  4. Follow the on-screen prompts to create your new login.
    1. To validate your identity, the on screen prompts will ask you to provide:
      1. Full name
      2. Social Security Number
      3. Zip code
        1. Note that this is the zip code that you used when you enrolled in your benefit.
    2. Once you verify your identity, you will be asked to provide answers to your security questions.
      1. Save your answers to these questions because you may be asked to provide these answers again.
    3. Create your username and password.

Set up Your Mobile Account

Using the Mobile App is not required, but is a great way to use your FSA on the go. Below are examples of what your can do with the EMPOWER Flex Mobile App:

  • Check your balance
  • Submit claims
  • Submit substantiation receipts
  • Scan barcodes with your mobile device to determine eligibility

Note that the Online Portal and Mobile App use the same username and password. If you set up your username and password using one method, you will use the same credentials to log into the other.

How to Create Your Mobile Account

  1. Using your mobile device, click one of the links above (depending on the chosen device).
    1.  For Apple iOS users, click Get on the download screen.
    2. For Google users, click Install on the download screen.
  2. Open the EMPOWER Flex Mobile App after downloading.
  3.  Click the New User? Set up your account to start setting up your account.
  4. To validate your identity, the on-screen prompts will ask you to provide:
    1. Full name
    2. Social Security Number
    3. Zip code
      1. Note that this is the zip code that you used when you enrolled in your benefit.
  5. Once you verify your identity, you will be asked to provide answers to your security questions.
    1. Save your answers to these questions because you may be asked to provide these answers again.
  6. Create your username and password.

Receive your EMPOWER Flex Debit Cards

If you are a brand-new EMPOWER participant, you will receive two free EMPOWER Flex Visa Debit Cards in the mail to the address that you provided in your enrollment. If you are already an EMPOWER participant, your current debit cards are good for three years. Be careful not to lose your cards as there is a replacement fee.

Your Debit Cards will come with instructions. Please note that, if you are a new participant, your cards will not be active until the first day of your new Plan Year for new participants.

Depending on when EMPOWER receives your enrollment, you may not have your EMPOWER Visa Debit Card before the start of the new Plan Year. If that is the case, you may still use the other reimbursement methods listed below until your card arrives.

Use Your Benefits!

You’re now ready to start saving with your EMPOWER Flexible Spending Account! Following are a few things you should know before using your account:

Eligible Expenses

Only eligible expenses are allowed with the Health FSA. Click the below link to view a list of eligible expenses.

Save Receipts!

The IRS requires EMPOWER to substantiate all claims and Debit Card transactions to ensure that they meet eligibility requirements. The following two types of transactions, however, can be auto-substantiated with no need for the participant to submit receipts:

  1.  Purchases from merchants who use an IIAS-approved credit card processing terminal will provide transaction details to EMPOWER at the time of purchase.
  2. Copayments under the medical, dental, vision, or pharmacy plan are auto-substantiated and deemed to be eligible.

If a debit card transaction does not meet on of the above exceptions, EMPOWER is required to request additional documentation to determine claim eligibility. EMPOWER recommends that you take pictures of of your receipts with your cellphone so that you will have them if they are requested by EMPOWER.

What Information is Required for a Receipt?

An itemized receipt must include all the following:

·         Merchant or provider name

·         Services received or item purchased

·         Date of service

·         Amount of the expense

Cellphone pictures are acceptable as long as they are readable and contain the required information.

How do I Know When to Submit Receipts?

EMPOWER will notify you via email when receipts are required. Receipt requests will follow this timeline:

Name

Time

Action Required

Debit Card Status

First Receipt Request

Within a few days of the transaction

Submit requested receipts to EMPOWER.

Your Debit Card will continue to be active.

Second Receipt Request

30 days after the transaction

Submit requested receipts to EMPOWER.

Your Debit Card will continue to be active.

Overdue Notice

60 days after the transaction

Submit requested receipts to EMPOWER.

Your Debit Card will be suspended until receipts are received and the transaction is substantiated.

Ineligible Notice

90 days after the transaction

Repay the unsubstantiated amount to EMPOWER.

Your Debit Card will remain suspended and will not be reactivated until you repay the unsubstantiated amount. Repayment instructions are provided in the email from EMPOWER.

The email from EMPOWER will contain an attached letter. To open the letter, you must provide the last four digits of your Debit Card.

How Can I Submit Receipts?

EMPOWER offers three easy ways to submit receipts:

  •  Email the receipt to customerservice@empowerflex.com. Be sure to include your name and Employer.
  • Submit the receipt using the Online Portal.
  • Submit the receipt using the Mobile App.

How To Submit Receipts Using the Online Portal

  1. Log into the EMPOWER Online Portal.
  2. On the homepage of your Portal, you will see a Receipts Needed link in the Tasks section near the top.
  3. Click the Receipts Needed link and follow the on-screen directions.

How To Submit Receipts Using the Mobile App

  1. Log into the EMPOWER Mobile App.
  2. Tap on the View and Upload Receipts icon.
  3. Click the + button to upload receipts from your mobile device.
  4. Follow the on-screen prompts.

Reimbursement Methods

EMPOWER offers the following methods to access your FSA funds:

  • Use your EMPOWER Flex Visa Card
  • Pay for the expense using your own form of payment and submit a claim form to EMPOWER for reimbursement.
  • By default, you will receive a mailed reimbursement check unless you add your bank account and set your secondary payment method on the online portal (if permitted by your Employer).
  • Receive a direct deposit to your bank account by following the instructions below (if permitted by your Employer).

EMPOWER requires you to validate your direct deposit account through the micro-deposit method. After adding your bank account information on the Portal, EMPOWER will make a small transaction (deposit and withdrawal) under $1.00 into your account. You will be required to validate the amount of this transaction on the portal before EMPOWER can enable direct deposit.

How To Enable Direct Deposit Online

Add Bank Account
  1. Log into the EMPOWER Online Portal.
  2.  On the Portal homepage, hover your cursor over the Accounts tab.
    1. Click on Banking/Cards under the Accounts tab.
  3. On the Banking/Cards page, click Add Bank Account.
    1. Enter your banking information and click the Submit button.
 
Validate Bank Account through Micro-Deposit
  1. Within the next two business days, EMPOWER will make a deposit and withdrawal under $1.00 in your account. Look for this transaction in your bank account.
  2. After this transaction has occurred, you will see a new task in the task section on the homepage of your Online Portal.
    1. Click the task.
    2. Enter the dollar value of the micro-deposit.
 

How To Enable Direct Deposit with Form

  1. Download the Direct Deposit Form.
  2. Follow the instructions on the form. 

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 Devices

Google Android Devices

EMPOWER LOGIN

I am a Participant

I am an Employer

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

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.