{"id":5852,"date":"2024-10-29T09:50:21","date_gmt":"2024-10-29T13:50:21","guid":{"rendered":"https:\/\/communicator.pef.org\/?p=5852"},"modified":"2024-10-30T15:56:21","modified_gmt":"2024-10-30T19:56:21","slug":"dont-leave-these-valuable-contractual-benefits-on-the-table","status":"publish","type":"post","link":"https:\/\/communicator.pef.org\/issue\/volume-42-no-8\/dont-leave-these-valuable-contractual-benefits-on-the-table\/","title":{"rendered":"Don\u2019t leave these valuable contractual benefits on the table!"},"content":{"rendered":"<p><span data-contrast=\"auto\"><em><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5867 alignright\" src=\"https:\/\/communicator.pef.org\/wp-content\/uploads\/sites\/2\/2024\/10\/Benefits-Web.jpg\" alt=\"Benefits\" width=\"400\" height=\"360\" srcset=\"https:\/\/communicator.pef.org\/wp-content\/uploads\/sites\/2\/2024\/10\/Benefits-Web.jpg 400w, https:\/\/communicator.pef.org\/wp-content\/uploads\/sites\/2\/2024\/10\/Benefits-Web-300x270.jpg 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/>October 30, 2024 &#8212; <\/em><\/span><span data-contrast=\"auto\">As a PEF member, there are several pre-tax benefits you may be eligible for, including the Dependent Care Advantage Account (DCAA), the Health Care Spending Account (HCSA), the Adoption Advantage Account, and\/or the NYS-Ride Benefit.\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">The open enrollment period for calendar year 2025 DCAA, HCSA, and Adoption Advantage Account runs from November 1, 2024, through December 9, 2024. Enroll online at <\/span><a href=\"https:\/\/app.mybentek.com\/nysfsa\/\"><b><span data-contrast=\"none\">https:\/\/app.mybentek.com\/nysfsa\/<\/span><\/b><\/a><span data-contrast=\"auto\">.\u00a0<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">These accounts give you a way to pay for your dependent care, health care, adoption expenses, or qualifying public transportation costs with pre-tax dollars.\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Health Care Spending Accounts<\/span><\/b><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\"><br \/>\nAn HCSA allows you to set aside pre-tax dollars to pay for medically necessary health care expenses that are not reimbursed by your health insurance or other benefit plans. This includes medical, hospital, dental, vision, hearing, and prescription drug expenses for you, your spouse, and your eligible dependents.\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">This account can pay for the following services, and much more:\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Dental implants and crowns\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Laser eye surgery (LASIK)\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Acupuncture\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Braces and orthodontic care\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Chiropractic care\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Infertility treatments and pregnancy tests\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Diabetic care and supplies, including insulin\u202f<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Copayments and deductibles\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Prescription sunglasses\u202f<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Eligible over-the-counter drugs, as long as the items are used to treat a medical condition or illness, such as allergy, cough, cold, flu, and sinus. These can include Tylenol, Advil, Bengay, acne medications, sleep aids and more.\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>More details, including carry-over limits, are detailed, <a href=\"https:\/\/communicator.pef.org\/issue\/volume-42-no-9\/enrollment-opens-nov-1-for-hcsa-carryover-details-explained\/\">here<\/a>.<\/p>\n<p><b><span data-contrast=\"auto\">Adoption Advantage Account<\/span><\/b><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\"><br \/>\n<\/span><span data-contrast=\"auto\">This account allows you to pay for expenses related to the adoption of an eligible child with pre-tax dollars up to $17,280.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">Dependent Care Advantage Account<\/span><\/b><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\"><br \/>\n<\/span><span data-contrast=\"auto\">A DCAA account allows you to set aside pre-tax money up to maximums of $5,000 or $2,500 based on your tax filing status to pay for eligible child care, elder care, or disabled dependent care expenses while you are at work. Eligible employees can enroll without having to set aside any of their own money and will still be eligible to receive the contractual employer contributions.\u202f You can read much about the DCAA plan, including the employer contribution amounts you are entitled to based on your salary, <a href=\"https:\/\/communicator.pef.org\/issue\/volume-42-no-9\/enrollment-opens-nov-1-for-dependent-care-benefit\/\">here<\/a>.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">For more details on all these programs, visit <\/span><a href=\"http:\/\/www.pef.org\/benefits\"><b><span data-contrast=\"none\">www.pef.org\/benefits<\/span><\/b><\/a><span data-contrast=\"auto\"> or\u202f<\/span><a href=\"https:\/\/oer.ny.gov\/fsa\"><b><span data-contrast=\"none\">https:\/\/oer.ny.gov\/fsa<\/span><\/b><\/a><span data-contrast=\"auto\">\u202f.\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><b><span data-contrast=\"auto\">NYS-Ride Benefit<\/span><\/b><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{}\"><br \/>\n<\/span><span data-contrast=\"auto\">This benefit allows you to use pre-tax dollars for eligible public transportation costs and qualified parking expenses. This does not apply to parking provided by the state.\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">To enroll, you must place your order by the first of the month, two months before the commuting month. If you wish to change or cancel your order, you must do so online by 11:59 p.m. EST by the first of the month or by phone by 8 p.m. EST on the weekday on or before the first of the month.\u202f<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><span data-contrast=\"auto\">For more information, visit\u202f<\/span><a href=\"https:\/\/oer.ny.gov\/nys-ride\"><b><span data-contrast=\"none\">https:\/\/oer.ny.gov\/nys-ride<\/span><\/b><\/a><span data-contrast=\"auto\">\u202f.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>October 30, 2024 &#8212; As a PEF member, there are several pre-tax benefits you may be eligible for, including the Dependent Care Advantage Account (DCAA), the Health Care Spending Account&#8230;<\/p>\n","protected":false},"author":13,"featured_media":5955,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"division":[],"allowed_regions":[],"allowed_divisions":[],"class_list":["post-5852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","issue-volume-42-no-8"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Don\u2019t leave these valuable contractual benefits on the table! 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