Tax-advantaged Accounts

Important note about FSAs: If you want an FSA, you must actively enroll in one each year. These don’t carry over to the next year, and you cannot select “Keep Existing Coverage” in the enrollment system to continue an FSA.

Health Care FSA

Available to all employees

This account lets you set aside tax-free dollars that can be used for eligible health care expenses, such as copays, coinsurance, and deductibles. You can even use your Health Care FSA for expenses incurred by eligible dependents who aren’t enrolled in your health coverage.

How to use your FSA

You’ll receive a debit card from Total Administrative Services (TASC) when you enroll. You can use the debit card to pay providers directly, or you can submit a claim to get reimbursed later.

Log into your TASC account to submit a claim and view your balance.

View eligible health care expenses on the IRS website.

Contribution Limits

In 2025 you can contribute:

• Maximum: $3,300
• Minimum: $25 per pay period for 24 pay periods

Spending deadlines

Plan carefully:

• You have until March 31, 2025, to claim 2024 Health Care FSA expenses. You can roll over up to $640 from 2024 to 2025, but any unused funds over that amount after March 31, 2025, will be forfeited.
• You have until March 31, 2026, to claim 2025 Health Care FSA expenses. You can roll over up to $660 from 2025 to 2026, but any unused funds over that amount after March 31, 2026, will be forfeited.

Dependent Care FSA

Available to all employees

This account lets you set aside tax-free dollars that can be used for eligible dependent day care expenses that are necessary for you to work, like day care and after-school programs. Note: Caregivers are required to provide tax ID numbers for expenses to be qualified.

How to use your FSA

You’ll pay for care up front and submit claims to get reimbursed later. Log into your TASC account to submit a claim and view your balance.

View eligible dependent care expenses on the IRS website.

Contribution Limits

In 2025, you can contribute:

• Maximum: $5,000
• Minimum: $50 per pay period for 24 pays periods

Spending deadlines

Plan carefully: Unused Dependent Care FSA funds don’t carry over to the next year, per IRS regulations.

You have until March 31, 2025, to claim 2024 Dependent Care FSA expenses.

Childcare and Senior Care Benefit for Working Families

Beginning in 2024, Shelby County Government implemented a monthly stipend to help reduce the cost of work-related child or senior care for qualified employees.

To be eligible for this stipend, you must:

• Be a full-time employee with at least one year of service
• Have a child under the age of 13 or a senior citizen dependent

Currently, the following monthly stipend can be used for one child or senior citizen each calendar year and is not considered taxable income:

• $200 for child care
• $150 for senior care

Once the program continuation has been announced, you’ll submit an application each year through the Office of Innovation. We’ve made it easy for you to access this support so you can focus on your work knowing that your loved ones are taken care of.