2023 Benefits Guide
4 WAYS TO SUBMIT YOUR CLAIMS P&A Group Mobile App Download the mobile app and log into your account. Go to the menu and tap Upload Claim/Documentation to submit your claims. QuikClaim from Your Smartphone
(800) 688-2611 www.padmin.com
Capture a picture of your receipt or other supporting documentation of your eligible expense. Log into your account from your account from your mobile device at www.padmin.com by selecting Account Login and follow the prompts on your screen. Electronic Claim Upload from Your Computer Submit claims directly online at P&A’s website www.padmin.com by logging into your P&A account. Select Upload Claim/Documentation under Member Tools. Fax or Mail a Paper Claim Complete a claim form and fax or mail it to P&A Group. Claim forms are available when you log into your account at www.padmin.com.
FAX: (877) 855-7 105 MAIL: P&A Group 17 Court St. Ste 500 Buffalo, NY 14202
When submitting a claim make sure to include proof of service/documentation (itemized receipt, etc). Debit Card FSA participants can request a debit card for payment of eligible expenses. With the card, most qualified services and products can be paid at the point of sale versus paying out-of-pocket and requesting reimbursement. The debit card is accepted at a number of medical providers and facilities, and most pharmacy retail outlets. Here’s How It Works! An employee earning $30,000 elects to place $1,000 into a Health Care FSA. The payroll deduction is $38.46 based on a 26 pay period schedule. As a result, the insurance premiums and health care expenses are paid with tax-free dollars, giving the employee a tax savings of $227.
With a Health Care FSA
Without a Health Care FSA
Salary
$30,000
$30,000
FSA Contribution
-$1,000
$0
Taxable Pay
$29,000
$30,000
Estimated Tax 22.65% = 15% + 7.65% FICA
-$6,568
-$6,795
After Tax Expenses
$0
-$1,000
Spendable Income
$22,432
$22,205
Tax Savings
$227
Please Note: Be conservative when estimating medical and/or dependent care expenses. IRS regulations state any unused funds which remain in the FSA after a plan year ends and after all claims have been filed cannot be returned or carried forward to the next plan year. This rule is known as “use it or lose it.”
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