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https://aptia365.com/horacemann 16 Copyright 2024 Aptia Insurance Services Group, LLC. All rights reserved.Flexible Spending Accounts (FSA)Flexible Spending Accounts provide a great way to save money on your health and dependent care expenses.Healthcare FSA Combination FSA Dependent FSADo You Havean HSA?Not available if you or Horace Mann contribute to an HSA.You or Horace Mann must contribute to an HSA to have a Combination FSA.Eligible to have a Dependent Care FSA whether or not you contribute to an HSA.Eligible Expenses* Medical, dental and vision expenses.Dental and vision expenses, and medical after you have incurred $1,650/individual or $3,300/family in out-ofpocket medical expenses (or the indexed amounts announced by the IRS for the plan year, if different.)Child/elder care for eligible dependents that allow you and/or your spouse or domestic partner to work (medical, dental and vision expenses are not eligible for reimbursement with this accountHow It%u2019s Funded %u2022 Paycheck contributions up to $3,300 per year, (or to the maximum indexed amount announced by the IRS for the plan year, if different).%u2022 Your annual election amount is made during your enrollment period. You cannot change it unless you have a qualifying life event during the year (such as getting married or having a baby).%u2022 Your entire annual contribution is available to you at the beginning of the plan year.%u2022 Paycheck contributions up to $3,300 per year, (or to the maximum indexed amount announced by the IRS for the plan year, if different).%u2022 Your annual election is made during your enrollment period. You cannot change it unless you have a qualifying life event during the year (such as getting married or having a baby). %u2022 Your entire annual contribution is available to you at the beginning of the plan year.%u2022 Paycheck contributions up to $5,000 per year per household (or to the maximum indexed amount announced by the IRS for the plan year, if different) to use for qualified dependent care or elder care expenses. %u2022 Your election is made during your enrollment period. You cannot change it unless you have a qualifying life event during the year (such as having a baby or a change in dependent care expenses).%u2022 Your funds are only available to you after they have been deposited into your account each pay period.**Unused Funds You should estimate your expenses carefully before enrolling because unused funds in your account do not carry over at the end of the plan year and are forfeited.How to Access You will receive a benefits debit card that you can use to pay for eligible expenses. Or, you can submit claims for reimbursement of eligible expenses.NOTE: You%u2019ll receive one debit card to use for all of your Aptia365 supported accounts. *Eligible expenses as defined by the IRS. **Your contribution could be impacted by other reimbursements and your tax filing status. Consult your tax advisor for more information.Spending and Savings Accounts