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Benefit Choice

Enrolling and Re-enrolling in the Flexible Spending Account (FSA) Program

Note: The FY 2017 maximum annual contribution amount for the Medical Care Assistance Plan (MCAP) is $2,550 and for the Dependent Care Assistance Plan (DCAP) is $5,000 per household.

The FSA is a simple way to set aside tax-free money for eligible medical and/or dependent care expenses. Participate by enrolling in the Medical Care Assistance Plan (MCAP) and/or the Dependent Care Assistance Plan (DCAP). Your FSA money will be automatically deducted from your pay, before taxes, and deposited into an account, with a variety of ways to access your funds when you have eligible medical or dependent care expenses.

During the annual Benefit Choice period, the Benefit Choice Options booklet is available online outlining any changes that will occur to the State of Illinois FSA for the new plan year, July 1 through June 30. This may include changes to IRS requirements, processing of claims, and contribution amounts. Changes take effect the following July 1.

During this time, you may elect to participate in the FSA program. If you are currently enrolled in the FSA program you must re-enroll each plan year to continue participating in this program. Enrollment and re-enrollment may only be done online through CMS MyBenefits Marketplace, by selecting the link at the top of the Benefit Choice page.

Dependents do not need to be enrolled in your health/dental plan to be eligible for participation in the FSA MCAP program.

FSA MCAP

  • Your annual contribution amount is available on the first day of the plan year.
  • Eligible expenses must be incurred during the plan year (July 1 through June 30).
  • The money in your account is easily accessible through several convenient options: payment card, online, mobile phone/device, fax, or mailing a paper claim.
  • There is a limited “Run-Out Period” from July 1 through September 30: this 90 day period allows you to submit claims to use up any remaining funds with eligible expenses that you incurred during the previous plan year.
  • Up to $500 remaining in your account after September 30, can be rolled over to your next plan year’s MCAP account. Any balance over $500 will be forfeited, per IRS regulations.
    • You must re-enroll for the next plan year in order to qualify for the rollover benefit.
    • If you do not re-enroll for the next plan year, the remaining balance will be forfeited, per IRS regulations.
    • Carried over amounts do not count toward your contribution limit for the following plan year. In other words, you may still contribute up to $2,550 a year whether or not you have any carried over amounts from the previous plan year.
  • The MCAP grace period no longer applies.

FSA DCAP

  • Your reimbursement is limited to the contribution balance available in your account when your claim is received.
  • Eligible expenses must be incurred during the plan year (July 1 through June 30).
  • When determining a contribution amount, keep in mind that if you do not incur enough eligible out-of-pocket dependent care expenses (daycare fees, after school care, or elder care) during the plan year (July 1 - June 30), any unused balance will be forfeited, per IRS regulations. See the State of Illinois FSA Booklet below for eligibility information.
  • The money in your account is easily accessible through several convenient options: online, mobile phone/device, fax, or mailing a paper claim.
  • There is a limited “Run-Out Period” from July 1 through September 30 following each plan year: this 90 day period allows you to submit claims to use up any remaining funds with eligible expenses that you incurred during the previous plan year.
  • For further information on the FSA program, please see:


Maintained by University Human Resources | Contact Information | Last Update: 30-September-2016 | ID: 19