Flexible Spending Accounts (FSA)

Flexible Spending Accounts (FSA) are pretax accounts that employees may use to pay for eligible health care, child care, and some premium insurance plan expenses. You decide every year during open enrollment how much you would like to contribute, tax-free, to your Flexible Spending Account through payroll deductions. The IRS requires annual enrollment to participate in a FSA. If you participated in 2020, you are NOT automatically re-enrolled for 2021 and a new enrollment for will need to be completed.

Our FSA and HRA benefits are administered through Lifetime Benefit Solutions. Visit their website to find out more information, log into the Member Portal to view your claims and account balances, and find important forms such as direct deposit and claim reimbursement: Log in to Lifetime Benefit Solutions

Have a question or need assistance with your FSA benefit?

You can always reach out to the Benefits Team in the HR Department, however, for some situations, such as a claim dispute, you may want to contact Lifetime Benefit Solutions directly.
Contact their customer service and claims department at (800) 327-7130 or Email them at lbs.customerservice@lifetimebenefitsolutions.com

Go mobile! Check current reimbursement account balances and transaction details, view account activity and receive alerts via text message, file new claims with receipt images, review expense information, and enter a new expense. Lifetime Benefit Solutions – Go Mobile

FSA Options

  • Health Care Account
    • Annual Maximum Election $2,700
    • Use for co-payments, prescriptions, medical services and supplies
    • For a list of qualified eligible healthcare expenses, visit the Lifetime Benefit Solutions website or the FSA Enrollment Booklet.
      Lifetime Benefits Card
  • Dependent Care Account
    • Annual Maximum Election $5,000
    • The money you set aside Dependent Care Account can be used to pay for eligible dependent care expenses such as daycare, preschool, and afterschool programs for children under the age of 13. Funds can also be used for adult day care for a disable spouse or other disabled dependent.
    • Dependent care funds are only available as they are deducted from your paycheck and deposited into your dependent care account. You must submit a claim for reimbursement directly to Lifetime Benefit Solutions and once approve a check will be mailed to your address or you can enroll in direct deposit.
  • Premium Reimbursement Account
    • Annual Maximum Election $5,000
    • May be used for premium reimbursements for qualified privately purchased insurance plans.

If you would like to enroll in any or all of these FSA accounts please complete the enrollment form and return it to the HR department during the open enrollment period.
FSA Enrollment Form

Important Points

  • If you are a benefits eligible employee, you are eligible to participate in the FSA plans. You do not need to be enrolled in a health care plan to participate. This is a voluntary plan with no employer contribution.
  • You can enroll in one or all three FSA options. Dependent Care Accounts and Premium Reimbursement Accounts have a maximum family limit of $5,000 each per IRS guidelines.
  • The money you set aside in your Health Care Account can be used to pay for eligible health care expenses for you, your spouse, and your dependent children. Your total election amount will be available on the 1st day of enrollment and the election amount will be deducted in equal installments from your paycheck throughout the calendar year.
  • Flexible Spending Accounts have a “Use it or Lose it” rule that requires you to incur expenses during the calendar year – January to December. ‘Unspent” FSA funds will not be returned to you and funds do not rollover to the next plan year. You have 90 days from December 31 to submit claims for eligible costs incurred during the calendar year.
  • Flexible Spending Accounts terminate on the day of separation from employment. ‘Unspent’ funds will not be returned to you. COBRA is an option and will be mailed to you upon separation.
  • Reimbursement Request Form – Submit directly to Lifetime Benefit Solutions
  • Direct Deposit Form – Submit directly to Lifetime Benefit Solutions.
  • More information – Lifetime Enrollment Booklet

You are now leaving ECMC.edu

Erie County Medical Center Corporation (ECMCC) is not responsible for the content, privacy policy, accuracy or legality of any website accessed through a link on www.ecmc.edu. A link to another website does not constitute an endorsement, guarantee or approval by ECMCC of the linked website, or the information, products or services contained therein.