Flexible Spending Accounts

The Hartford offers you access to tax advantaged accounts where you can set aside “before-tax” money for eligible expenses. By contributing, you reduce your taxable income and pay less taxes overall. Each account is unique, and there are certain IRS regulations and plan maximum limits to consider before you decide which is best for you. And, it’s important to understand which accounts can be paired with which health plan options.

View Chart

	Healthcare Flexible Spending Account (HCFSA)	Limited Purposed Flexible Spending Account (LPFSA)	Fidelity's Health Savings Account (HSA)	Dependent Day Care Spending Account (DCSA)
Who can contribute?	Benefits eligible employees who are not participating in an HSA or an LPFSA.	Benefits eligible employees who are participating in an HSA and a HDHP, and not participating in an HCFSA.	Benefits eligible employees enrolled HDHP.	All benefits eligible employees.
What expenses can I use it for?	Eligible healthcare expenses, including dental and vision that you and your tax dependents incur. Refer to IRS Publication 502 for details.	Eligible dental and vision expenses, as well as eligible medical expenses after you have met the IRS deductible. Refer to IRS Publication 502 for details.	Eligible healthcare expenses, including dental and vision, that you and your tax dependents incur. Refer to IRS Publication 502 for details.	Eligible dependent day care expenses, such as preschool, summer day camp, before or after school programs, and child or elder care. Refer to IRS Publication 503 for details.
How do I access my funds?	You will receive a NetBenefits AccessCard® to make it easy to pay for eligible services and products not covered by your health plan. When you use the debit card, payments are automatically withdrawn from your account. Or, you can reimburse yourself by submitting a claim on NetBenefits.	You will receive a NetBenefits AccessCard® to make it easy to pay for eligible services and products not covered by your health plan. When you use the debit card, payments are automatically withdrawn from your account. Or, you can reimburse yourself by submitting a claim on NetBenefits.	You can pay yourself back when you’ve paid out of pocket, cover a purchase on the spot with your NetBenefits AccessCard®, or pay a health care bill.	You can submit DCSA claims as often as qualified expenses are incurred, or set up recurring reimbursement claims on NetBenefits.
How long can I access my funds?	This account is “use it or lose it” – any unused money in the account at the end of year is forfeited.	This account is “use it or lose it” – any unused money in the account at the end of year is forfeited.	Funds roll over year to year and remain yours even if you leave The Hartford.	This account is “use it or lose it” – any unused money in the account at the end of year is forfeited.
What else should I know?	Internal Revenue Service (IRS) rules allow you to use your NetBenefits AccessCard® in participating pharmacies, mail order pharmacies, discount stores, and supermarkets that can identify HSA/FSA/HRA-eligible items at checkout and accept Visa prepaid benefit cards. You may also use your card to pay a hospital, doctor, dentist or vision provider that accepts Visa prepaid benefit cards. You will receive a letter or notification from Fidelity Reimbursement Account Services if there is a need to submit a receipt to substantiate your expense.	You can use your LPFSA pretax dollars to pay for qualified vision and dental expenses, while utilizing your HSA for medical expenses - all with the convenience of one debit card – which is smart enough to know which account to use based on the expense.	You can elect to invest your money until you need it. (HSA)	Once you are enrolled, if you have a significant change in day care expenses, you can change your election. Qualified life status change rules apply.
Find Out More	HCFSA Brochure	LPFSA Brochure	HSA Page	DCSA Brochure
	Find out more about IRS regulations, maximums and eligible expenses at  www.irs.gov.

Claim Filing Deadline

March 31 is the deadline to file all outstanding Healthcare FSA, Dependent Care FSA and/or Limited Purpose FSA claims from the previous plan year. For instance, claims for expenses incurred in 2024 must be filed by March 31, 2025. All claims must be filed electronically or postmarked by March 31. As a reminder, any unused funds are forfeited.

Help is Available

Access your account and additional resources on NetBenefits. If you have questions or need help with your Flexible Spending Account enrollment, call the HR Service Center at 877-472-8967, Monday to Friday, 8:30 a.m. to midnight ET.