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Wisconsin Department of Employee Trust Funds header image It's Your Choice 2017 State of Wisconsin Group Health Insurance Program
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2017 It's Your Choice - State of Wisconsin Group Health Insurance for Employees and Retirees

Wisconsin Department Of Employee Trust FundsIt's Your Choice 2017


State of Wisconsin
Group Health Insurance Program
(State Employees, Retirees, Continuants and Graduate Assistants)

Employee Reimbursement Accounts Program

Put more money in your pocket with pre-tax savings accounts!

Save on a wide variety of everyday medical, dental, vision, daycare, parking and transit expenses with an Employee Reimbursement Account (ERA), also known as a Flexible Spending Account (FSA). It’s a tax break that’s simple to use.

When you enroll in an ERA, you determine the dollar amount you want to contribute to each account based on your estimated expenses for the upcoming Plan Year – January 1 to December 31, 2017. Your contributions will be deducted in equal amounts from each paycheck, pre-tax, throughout the Plan Year.

The more you contribute to your ERA accounts, the more you reduce your taxable gross salary. When you pay less in taxes, your take-home pay increases!

For more information, visit the TASC website.

ERA Programs

Orange Stethescope icon

Health Care Flexible Spending Account (FSA)

A Health Care Flexible Spending Account (FSA) allows you to set aside tax-free dollars each year for health care expenses not covered by insurance. You may use these funds to pay for eligible health care expenses incurred by you, your spouse, and your qualified dependents.

What are the benefits?

  • Pre-tax contributions reduce your taxable income.
  • Easiest way to pay for everyday out-of-pocket eligible health care expenses with tax-free money.
  • Your total annual Health Care FSA contribution amount is available immediately at the start of the plan year.
  • You can carry over up to $500 remaining in your account from one plan year to the next, so there is minimal “use-it or lose-it” risk.
  • Multiple self-service tools available to easily manage your TASC Account and TASC Card transactions.
  • Eligible for carryover amount up to $500 each year.
  • Annual contribution limit of $2,550.

How does it work?

  • Use the tax-savings calculator or annual expense estimate worksheet to help determine how much you should contribute per year.
  • Your annual contribution is deducted pre-tax from your paycheck in equal amounts throughout the plan year and deposited into your TASC Account.
  • As eligible health care expenses are incurred, you can either use your TASC Card to pay at the point of purchase or submit a request for reimbursement.
  • Manage your account 24/7 via the TASC Benefits mobile app or TASC Online account.

Enrollment Eligibility

  • Most full-time or part-time state and university employees are eligible to participate in a Health Care FSA.
  • Note: Employees who are classified as fellows, scholars, and research assistants in the University of Wisconsin System, as well as limited term employees, student hourlies, per diems, and other temporary employees are not eligible.
  • Note: Employees who are enrolled in a High Deductible Health Plan (HDHP) are not eligible. See the Health Savings Account and Limited Purpose Flexible Spending Account for benefit options..

More Health Care FSA Information

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Limited Purpose Health Care Flexible Spending Account (LPFSA)

A Limited Purpose Flexible Spending Account (LPFSA) is a pre-tax benefit used to pay for eligible dental, vision care, and post-deductible medical expenses for participants enrolled in a High-Deductible Health Plan (HDHP).  You may use these funds to pay for eligible expenses incurred by you, your spouse, and your qualified dependents.*

What are the benefits?

  • The LPFSA is used to pay for eligible vision and dental expenses that are not covered by your insurance.
  • It can also be used to pay for eligible post-deductible medical expenses.
  • Pre-tax contributions reduce your taxable income.
  • Easiest way to pay for everyday out-of-pocket eligible dental, vision, and post-deductible medical expenses, with tax-free money.
  • Your total annual LPFSA contribution amount is available immediately at the start of the plan year.
  • You can carry over up to $500 remaining in your account from one plan year to the next, so there is minimal “use-it or lose-it” risk.
  • Multiple self-service tools available to easily manage your TASC Account and TASC Card transactions.
  • Eligible for carryover amount up to $500 each year.
  • Annual contribution limit of $2,550.

How does it work?

  • The LPFSA is similar to the regular Health Care FSA but is designed to work in conjunction with your HDHP and Health Savings Account (HSA).
  • Use our tax-savings calculator or annual expense estimate worksheet to help determine how much you should contribute per year.
  • Your annual contribution is deducted pre-tax from your paycheck in equal amounts throughout the plan year and deposited into your TASC Account.
  • As eligible expenses are incurred, you can either use your TASC Card to pay at the point of purchase or submit a request for reimbursement.
  • Manage your account 24/7 via the TASC Benefits mobile app or TASC Online account.

Enrollment Eligibility

  • To be eligible for a Limited Purpose FSA (LPFSA), you must be enrolled in a High-Deductible Health Plan (HDHP) and participate in a Health Savings Account (HSA).
  • Employees who are not enrolled in an HDHP are not eligible.
    • If you are not enrolled in an HDHP, see the regular Health Care Flexible Spending Account for benefit options.
    • Note: Participation in an HSA and/or LPFSA has no bearing on participation in the Dependent Day Care FSA, Parking Account, or Transit Account.
  • Most full-time or part-time state and university employees are eligible to participate in a LPFSA.
  • Note: Employees who are classified as fellows, scholars, and research assistants in the University of Wisconsin System, as well as limited term employees, student hourlies, per diems, and other temporary employees are not eligible.

More LPFSA Information

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Dependent Day Care Flexible Spending Account (DCA)

A Dependent Day Care Flexible Spending Account (FSA) is a pre-tax benefit used to pay for eligible day care expenses for qualified dependents in order for you (or your spouse) to work, look for work, or attend school full-time.

What are the benefits?

  • Pre-tax contributions reduce your taxable income.
  • Your Dependent Day Care FSA Funds become available to you as payroll deductions are taken.
  • Easiest way to pay for everyday out-of-pocket eligible dependent day care and/or elder care expenses, with tax-free money.
  • Multiple self-service tools available to easily manage your TASC Account and TASC Card transactions.
  • Use your TASC Card to pay for eligible dependent day care expenses, or easily submit requests for reimbursement online.
  • Annual contribution limit is $5,000.

How does it work?

  • Use our tax-savings calculator or annual expense estimate worksheet to help determine how much you should contribute per year.
  • Your annual contribution is deducted pre-tax from your paycheck in equal amounts throughout the plan year and deposited into your TASC Account.
  • The Dependent Day Care FSA is a money-in money-out benefit. Each pay period a contribution posts to your account, after which you may submit reimbursement requests for eligible expenses.
  • Manage your account 24/7 via the TASC Benefits mobile app or TASC Online account.

Enrollment Eligibility

  • Most full-time or part-time state and university employees are eligible to participate in a Dependent Day Care FSA.
  • Note: Employees who are classified as fellows, scholars, and research assistants in the University of Wisconsin System, as well as limited term employees, student hourlies, per diems, and other temporary employees are not eligible.
  • For a married individual to be eligible for the Dependent Day Care FSA, your spouse must be unable to provide dependent day care and/or elder care because he/she works full-time, is actively looking for work, enrolled in or attending school full-time, or physically/mentally incapable of self-care.

More Dependent Day Care FSA Information

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Transit Account

A Transit Account lets you use pre-tax dollars to pay for eligible mass transit expenses related to your commute to and from work.

What are the benefits?

  • Pre-tax contributions reduce your taxable income.
  • Easiest way to pay for eligible transit expenses, with tax-free money.
  • Your Transit Account funds become available to you as payroll deductions are taken.
  • Eligible for unlimited carryover, so there is minimal “use-it-or-lose-it” risk.
  • You can enroll or make changes to your account at any time during the plan year.
  • Monthly contribution limit is $130.
  • Note: Contributions of $130 are pre-tax State and Federal. Employees may contribute up to $255 – however, contributions over $130 up to $255 would be pre-tax Federal and post-tax State.

How does it work?

  • Use our tax-savings calculator or annual expense estimate worksheet to help determine how much you should contribute per year.
  • Your annual contribution is deducted pre-tax from your paycheck in equal amounts throughout the plan year and deposited into your TASC Account.
  • Manage your account 24/7 via the TASC Benefits mobile app or TASC Online account.

Enrollment Eligibility

  • All active state employees, including limited term employees, are eligible to participate in a Transit Account.
  • Note: Spouses and dependent children are not eligible. Employees who are also enrolled in a State of Wisconsin pre-tax transit or vanpool program are not eligible.
  • Note: Student Assistants who are classified as fellows, scholars, and trainees in the University of Wisconsin System, as well as employees-in-training who are classified as grad intern/trainee or post-doc fellow/trainee, are not eligible.

More Transit Account Information

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Parking Account

A Parking Account lets you pay for eligible parking expenses incurred at your place of employment with pre-tax dollars.   

What are the benefits?

  • Pre-tax contributions reduce your taxable income.
  • Easiest way to pay for eligible parking expenses, with tax-free money.
  • Your Parking Account funds become available to you as payroll deductions are taken.
  • Eligible for unlimited carryover, so there is minimal “use-it-or-lose-it” risk.
  • You can enroll or make changes to your account at any time during the plan year.
  • Monthly contribution limit is $225.

How does it work?

  • Use our tax-savings calculator or annual expense estimate worksheet to help determine how much you should contribute per year.
  • Your annual contribution is deducted pre-tax from your paycheck in equal amounts throughout the plan year and deposited into your TASC Account.
  • Manage your account 24/7 via the TASC Benefits mobile app or TASC Online account.
  • Note: If you park at your place of employment, your deductions may already be taken pre-tax. These deductions are not reimbursable through this program.

Enrollment Eligibility

  • All active state employees, including limited term employees, are eligible to participate in a Parking Account.
  • Note: Spouses and dependent children are not eligible. If you park at your place of employment, your deductions may already be taken pre-tax. These deductions are not reimbursable through this program.
  • Note: Student Assistants who are classified as fellows, scholars, and trainees in the University of Wisconsin System, as well as employees-in-training who are classified as grad intern/trainee or post-doc fellow/trainee, are not eligible.

More Parking Account Information

Important Program Information

Plan Year –The plan year (for all plans) is January 1 to December 31.

Expense Deadline – For 2016 Benefit Period, you must incur all eligible expenses by December 31, 2016. For 2017 Benefit Period, you must incur all eligible expenses by December 31, 2017.

Claims Deadline – For 2016 Benefit Period, you must submit all reimbursement requests by March 31, 2017. For 2017 Benefit Period, you must submit all reimbursement requests by March 31, 2018.

Carryover – Any unused Dependent Day Care FSA funds and any unused Health Care Flexible Spending Account (FSA) or Limited Purpose FSA (LPFSA) funds over $500 at the close of the plan year are not refundable to you.

Re-Enrollment – You must re-enroll each year to continue participation. Enrollments do not carry forward from year to year.

New Hire – You must enroll within 30 days from the date of hire. Coverage will be effective on the first of the month on or following your eligibility date.

Qualified Life Event – Changes due to a qualifying life change event must be made within 30 days from the date of the event.

Annual ERA Contribution Limits

Annual ERA Contribution Limits

2017

2016

Health Care FSA Contribution Limit**

$2,550

$2,550

Health Care Carryover Limit

$500

$500

Limited Purpose FSA Contribution Limit**

$2,550

$2,550

Limited Purpose FSA Carryover Limit

$500

$500

Dependent Day Care FSA Contribution Limit

$5,000

$5,000

Dependent Day Care FSA Carryover Limit

$0

$0

Transit Account Contribution Limit

$130/month*

$130/month*

Transit Account Carryover Limit

Unlimited

Unlimited

Parking Account Contribution Limit

$255/month

$255/month

Parking Account Carryover Limit

Unlimited

Unlimited

* Contributions of $130 are pre-tax State and Federal. Employees may contribute up to $255 – however, contributions over $130 up to $255 would be pre-tax Federal and post-tax State.

** The $2,550 contribution limit applies on an employee-by-employee basis. Thus, $2,550 is the limit each employee may make per plan year, regardless of the number of other individuals (spouse, dependent, etc.) whose medical expenses are reimbursable under the employee’s Health Care FSA or Limited Purpose Health Care FSA. If two spouses are eligible for a Health Care FSA or Limited Purpose Health Care FSA, each spouse may elect to make contributions of up to $2,550 to his or her Health Care FSA or Limited Purpose Health Care FSA, even if both participate in the same Health Care FSA or Limited Purpose Health Care FSA sponsored by the same employer

 

UW System Employees
Enrollments are done directly through the UW, not the TASC portal/website or by telephone.

UW System employees should refer to the University of Wisconsin Systems Employee Benefits website or contact your UW institution human resources department for enrollment instructions for 2017.

State of Wisconsin & Legislature Employees
State of Wisconsin and Legislature employees who are paid through the STAR System should log in to STAR to make all benefits elections during the annual It’s Your Choice period. Contact your agency payroll and benefits staff with any enrollment questions.

Enrollment Information

Annual It’s Your Choice Open Enrollment Period: October 17 – November 11, 2016

2017 Benefit Period: January 1 – December 31, 2017

Enroll During It’s Your Choice

  • See the How to Enroll Flyer or the Employee Reimbursement Account Flyer for Enrollment Information.
  • You have three ways to enroll during the It’s Your Choice Open Enrollment period:
  • You can request a paper application from your payroll or benefits office, or download a copy from the TASC or ETF website.
  • Your election will be effective January 1, 2017.
  • Note: If you are already enrolled in an Employee Reimbursement Account (ERA), you must re-enroll each year to continue participation. Enrollments do not carry forward from year to year.

If You Are a Newly Hired Employee

  • If you are electing to enroll in an ERA, you must enroll within 30 days of your date of hire (in an eligible position), or first eligible appointment.
  • Coverage will be effective on the first of the month on or following your eligibility date.
  • For more information and enrollment instructions, contact your human resources/benefit office.

If You Have Experienced a Qualifying Life Change Event

  • If you experience a qualified life change event, such as a marriage or divorce, birth or adoption of a child, a change in employment status, or another qualified life change event, you may have the opportunity to enroll or change your coverage outside of the open enrollment period.
  • There are various rules related to life change events. You must enroll or make changes within 30 days from the date of the qualifying event.
  • Contact your human resources/benefit office for more information on qualifying events, to see what your options are, how to enroll, and how to make a change.

Following Enrollment
Once you have enrolled in an ERA, you will receive:

ERA Welcome Brochure
The ERA Welcome Brochure will provide you with information on how to manage your ERA, set-up your TASC Online account, your responsibilities, and key dates.

TASC Card
Your TASC Card allows you to conveniently pay for eligible medical expenses. Be sure to review the Cardholder Agreement included with your TASC Card.

Note: If you are a current TASC participant, you will not be issued a new TASC Card. You will continue to use your current TASC Card.

Disclaimer:
Every effort has been made to ensure that this information is accurate, but may be subject to change. Please note revision dates located at the bottom of each page. In the event of conflicting information, federal law, state statute, state health contracts and/or policies and provisions established by the State of Wisconsin Group Insurance Board shall be followed.

This page was last modified on: 10/17/2016 1:48:31 PM