Section 125 Flex Plan To Login to Your Account Select Your Employer and Click on the Go Button: Flex Plan Benefits Management System

To Login to Your Account Select Your Employer and Click on the Go Button: Please Choose One ACGC Adrian Albany Amery Anthon-Oto Becker Bedford Blooming Prairie Blue Earth Area Brewster Caldwell Taylor Brown Caledonia Cambridge-Isanti Cedar Mountain Central CESA #11 Chatfield Chisholm CMERDC Cook Co. Cromwell-Wright Devils Lake Duluth East Central ECHO Eden Valley-Watkins Edgerton Education Minnesota Educators Financial Services Elk River Esko Fargo GFW Goodhue County Grand Forks Grand Forks Heron Lake-Okabena Hills-Beaver Creek ISEA Isle Kasson-Mantorville Kenyon-Wanamingo Lake Benton Lake City Lake Region Special Education Cooperative Lakeview Lakota Leach Enterprises Littlefork-Big Falls Long Prairie Grey Eagle Mahtomedi Maple Lake Maple River Maple Valley Maquoketa Valley Medford Melrose Mesabi East Milaca Minneota Minnesota School Board Association Nevis North Branch Northland Schools Northwood-Kensett Norwalk Odyssey Charter School Ogilvie Onamia Pequot Lakes Pierz Pine City Pine Island Pipestone Princeton Red Rock Central Round Lake Sauk Rapids Rice Sioux-Central Springfield Staples-Motley St. Charles Triton Truman Walker-Hackensack-Akeley Westbrook-Walnut Grove Willow River Winona Wright Technical Center Zumbrota-Mazeppa Schools

What is a 125 Flex Plan
A Flex Plan is an employer-sponsored benefit that allows employees to be reimbursed for certain expenses tax-free. Employees save federal, state, social security and Medicare taxes on those dollar amounts, thus increasing their take-home pay. Flex Plans are part of the Internal Revenue Code, section 125, and are designed to give employees the opportunity to pay for certain eligible living expenses with tax-free dollars. Before a Plan Year begins employees elect to have a certain amount of their salary designated as tax-free. These tax-free election amounts are to be used for eligible expenses in the Flex Plan. Employers also benefit by providing a Flex Plan because they do not have to pay FICA (7.65%) on employees’ Flex election amounts.

For more information see the Flex Brochure.

Educational Services

Group and Individual Employee Education
Flex Plans are, by nature, intimidating and complicated. And, a flex plan is a meaningful benefit to employees only if it is clearly communicated so employees know how to best utilize it. Our exceptional instructors make the difference. These dedicated professionals are outstanding presenters, trained and experienced in Section 125.

We utilize a combination of group and individual meetings to educate your employees. Upon completion of our education process, employees understand how the program can benefit them personally.

The EBC Approach

Quality Employee Education
Upon completion of our education process, employees understand how the program can benefit them personally.

Complete Selection of Flex Categories
Most plans allow only three categories of eligible expenses. We offer five categories.

• Payroll Deducted Health Insurance Premiums
• Un-reimbursed Medical Expenses
  • Full-Use Medical Flexible Spending Account
  • Limited-Use Medical Flexible Spending Account
• Child and Adult Daycare
• Health Savings Accounts
• Outside Health Insurance Premiums
• Group-Term Life Insurance

Services & Fees

Service Options
Design your own plan and pay accordingly!

• Self-Administered
• Shared Administration
• Full Service Administration

Fees will be discounted based on level of service provided. Please contact us for more information.

FAQ's

What is a Section 125 Flexible Benefits Plan?
A Section 125 Flexible Benefits Plan (Flex Plan) enables you to reduce your taxes and your employees’ taxes on eligible expenses. It is authorized under Section 125 of the Internal Revenue Code.

What Taxes Can I Save?
Districts save FICA/Medicare taxes. In most cases the savings generated by our plan will be more than enough to offset administrative fees.

What Taxes Can My Employees Save?
Your employees will save Federal, State, and FICA/Medicare taxes. Typical savings would be 30-40% of the dollars elected by participants.

2012 Mileage Rates Released
For the 2012 tax year they are:
• 23 cents per mile for medical trips

For the 2011 tax year they are:
• 19 cents per mile for January 1 - June 30 medical trips
• 23.5 cents per mile for July 1 - December 31 medical trips

For the 2010 tax year they are:
• 16.5 cents per mile for medical trips

These rates are slightly lower than 2009 rates, which were:
• 24 cents per mile for medical trips

The reason for the decrease? Transportation costs were slightly lower when the calculations for next year numbers were made as compared to the prior year's data.

Flex Plan Forms

Change in Status Form Complete this form when you have experienced a “Change Event” and want to modify your flex election(s). If you have a child, this form must be completed within 30 days of the birth of the child in order for the child’s expenses to be covered retroactive to the birth.

Employee Worksheet Use this form to help you compute your flex plan elections. Consider each category independently. Be conservative in your estimates.

Orthodontia Form Use this form to determine the amount of orthodontia expenses that can be claimed during the upcoming plan year.

Separation Form

Waiver Form Waive automatic pre-tax payroll deduction for all employer provided insurances.

Contact Information Change Form If you change your name, address, phone numbers or email address, complete this form and give it to your flex plan administrator.

Dependent Daycare Receipt Use this form if your provider does not have an invoice of their own to submit with the Reimbursement Claim Form.

Reimbursement Claim Form Use this form to submit for reimbursement of eligible expenses in any of the FSA categories (e.g., Dependent Care, Medical FSA, Outside Health Insurance and in limited circumstances Group Term Life)

Direct Deposit Form Only required by participants whole school district is participating in the Full-Service option.

Letter of Medical Necessity This form must be submitted with the Reimbursement Claim Form when you are requesting reimbursement for a dual purpose item (e.g., dietary supplements or capital expenditures). This form must be completed by your physician in order to get reimbursed.

Important Plan Change

Summary Plan Description

 

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