Page 4 of 10 CBC 12800-31 (Rev 08/20/2018)
3. Your dental and/or vision enrollment will be effective the first day of the first pay period following the date in which
you submit your enrollment.
4. Within 15 days after your coverage effective date, you should receive enrollment confirmation and information on
how to access your benefits (which may or may not include an identification card; it depends on your plan) from
your selected dental and/or vision plan. If you do not hear from your dental and/or vision plan within that time
period, you should contact the plan directly. BENEFEDS does not provide plan identification cards.
Federal Flexible Spending Account (FSAFEDS)
If you are eligible for FEHB, you are eligible to enroll in a flexible spending account (FSA) with FSAFEDS. It does not
matter whether you are actually enrolled in FEHB—eligibility is the key. Participation in FSAFEDS is voluntary and you
must elect to participate.
Your FSAFEDS enrollment is effective only for one benefit period. You must reenroll in FSAFEDS for each year that you
choose to participate. If you do not reenroll during the Benefits Open Season, you will not participate in the next benefit
period, unless you experience a qualifying life event that allows you to make an election outside of the Benefits Open
Season.
FSAFEDS offers three types of FSAs:
1. The Health Care Flexible Spending Account (HCFSA) is used to pay for qualified medical costs and health care
expenses that are not paid by your FEHB plan or any other insurance. The minimum you may elect each year is
$100 and the maximum is $2,650. If you are eligible for the FEHB Program and are an active employee, you are
eligible to participate in a HCFSA. You need only be eligible to participate in FEHB — you do not need to be
currently enrolled. The benefit period is the calendar year. You can carry over into the next calendar year up to
$500 of unused HCFSA elections from the prior year.
2. The Limited Expense Health Care Flexible Spending Account (LEX HCFSA) is available only to employees
who enroll in an FEHB High Deductible Health Plan (HDHP) with a Health Savings Account (HSA) or whose
spouse is enrolled in a non-FEHB HDHP with an HSA. Eligible expenses are limited to dental and vision care
services/products that meet the IRS definition of medical care. The minimum you may elect each year is $100
and the maximum is $2,650. The benefit period is the calendar year. You can carry over into the next calendar
year up to $500 of unused LEX HCFSA elections from the subsequent year if requirements are met.
3. The Dependent Care Flexible Spending Account (DCFSA) is used to pay for eligible child care or adult
dependent care expenses for qualified dependents that are necessary to allow you or your spouse to work, look
for work, or attend school full-time. The minimum you may elect each year is $100 and the maximum is $5,000
per household ($2,500 if married, filing separately). If you are an active employee, you are eligible to participate
in a DCFSA. The only exception(s) are intermittent or “when actually employed” (WAE) employees who are
expected to work less than six months in a calendar year. Participants cannot carry over funds from one benefit
period into another, but have a grace period of an additional 2 ½ months (January through 15 March) to continue
to incur eligible expenses for reimbursement from the previous year account if requirements are met.
Information about FSAFEDS is available at http://www.opm.gov/insure/flexible/index.asp
.
Action Required to Enroll
1. You have 60 days from the effective date of your new appointment (or eligibility date), but before October 1 of the
calendar year, to elect to participate in FSAFEDS. If you are hired on or after October 1, you are not eligible to
participate in that benefit period, but can elect during the Benefits Open Season for the following benefit period.
2. You must make your election on the FSAFEDS Web site at www.FSAFEDS.com
or by contacting an FSAFEDS at
877-372-3337. You cannot enroll in FSAFEDS using GRB Platform.
3. Your election is effective the next day after your election is received by FSAFEDS.
Federal Long Term Care Insurance Program (FLTCIP)
If you are eligible for FEHB, you are eligible to apply for long term care coverage with FLTCIP. It does not matter whether
you are actually enrolled in FEHB—eligibility is the key. In addition, your qualified relatives—current spouse, adult
children, parents, parents-in-law, and stepparents—are also eligible to apply using full underwriting procedures.