Benefits for 2026
Flexible Spending Account (FSA)
Spear is offering a Flexible Spending Account (FSA) for 2026. This is how an FSA works:
› You set aside money for your FSA from your paycheck before taxes are taken out. › Then use your pre-tax FSA funds throughout the plan year to pay for eligible health care or dependent care expenses. › You save money on expenses you’re already paying for.
You can contribute up to $3,400 per year in pre-tax dollar into your Healthcare FSA , and $7,500 per year pre-tax into your Dependent Care FSA . You also have a 2.5 month Grace Period to use remaining FSA funds from the pervious plan year. Refer to your FSA documentation for more details.
DEPENDENT CARE FSA ELIGIBLE EXPENSES
HEALTH FSA ELIGIBLE EXPENSES
› Medical expenses: co-pays, co-insurance, and deductibles › Dental expenses: exams, cleanings, X- rays, and braces › Vision expenses: exams, contact lenses and supplies, eyeglasses, and laser eye surgery › Professional services: physical therapy, chiropractor, and acupuncture › Prescription drugs and insulin › Over-the-counter health care items: bandages, pregnancy test kits, blood pressure monitors, etc.
› Care for your child who is under age 13 › Before and after-school care › Baby sitting and nanny expenses › Day care, nursery school, and preschool › Summer day camp › Care for a relative who is physically or mentally incapable of self-care and lives in your home
Refer to your FSA documentation for more information.
This booklet provides only a summary of your benefits. All services described within are subject to the definitions, limitations, and exclusions set forth in each insurance carrier or provider’s contract.
2026 Employee Benefit Guide
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