Special Enrollment for Flexible Spending Accounts for Plan Year 2021

Use this one-time special enrollment period to make changes or to increase, decrease or cancel your current Healthcare or Dependent Care FSA (you will still be responsible for contributing funds for any expenses already used).

You can also enroll in a Healthcare or Dependent Care FSA effective May 1, 2021 for the remainder of the year. Your deductions will be re-calculated based on your new election. This enrollment will be open from April 15 through April 30, 2021.

Unlimited Carry-Over from the 2020 Plan Year to the 2021 Plan Year

All unused amounts in a Healthcare Flexible Spending Account (HCFSA) and Dependent Care Flexible Spending Account (DCFSA) may be carried over from the 2020 plan year to the 2021 plan year. Employees should expect to see the carryover funds in their 2021 accounts effective April 15, 2021.

Extended Grace Period to Submit Reimbursements

The grace period for Healthcare FSA and Dependent Care FSA for the plan year ending in 2020 or 2021 for the plan year ending in 2020 or 2021 has been extended to 12 months. Employees have until December 31, 2021 to submit reimbursements for expenses incurred in the 2020 plan year.

Carry Forward for Aged-Out Dependents in Dependent Care FSA

The Consolidated Appropriation Act (CAA) 2021 provides an extra year for children who "aged out" during the pandemic. Employees can use Dependent Care FSA amounts for children until they turn age 14, at least through the end of the 2021 plan year.

To Enroll, Increase, Decrease or Cancel

Visit www.wageworks.com or call 877-924-3967.

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I am not working. Can I stay on the Plan’s coverage?

If you are not working, but you are still eligible for Plan coverage under the collective bargaining agreement, you may continue your coverage under the Plan by making monthly payments to the Plan during your period(s) of leave. You must notify the Health and Welfare office when you return to work.

If you are out on Workers’ Compensation, you must also make your monthly payments directly to the Health & Welfare Plan because they are not deducted from your paycheck or from your Workers’ Compensation benefits.

Payments are due on the first of the month. It is your responsibility to make your Health & Welfare payments on time. The Plan does not send notices of delinquent payments, nor will it send you a bill. If you do not make your payments on time, your coverage under the Plan will end. Consider permitting the Plan to deduct payments from your bank account. Contact the Plan for more information.

Coverage will retroactively end as of the monthly premium payment due date if the required monthly premium payment is not paid within 30 days from the due date (e.g., if the monthly premium payment for September, which is due on September 1, is not paid by September 30th, coverage would be terminated as of September 1). If coverage is terminated due to non-payment of the required monthly premium payment, you may again become covered (on a prospective basis) by sending in the required monthly premium payment for future coverage. Your coverage will re-start as of the first day of the month following receipt of the required monthly premium payment. You will not be permitted to retroactively reinstate coverage for any period of coverage that terminated due to non-payment of the required monthly premium payment.

If you are on a leave of absence for military duty, you are permitted to continue medical, dental, prescription drug, and vision benefit coverage under this Plan for you and your covered dependents in accordance with the Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA). Please see the “If You Enter Military Service”  section on the Life Events page for more information.

If your coverage ends due to termination of your employment with METRO, you may be eligible for COBRA for you and your family. Although METRO will notify the Health & Welfare Plan of your termination, you are also encouraged to inform the Health & Welfare Plan to avoid any delay.

If you lose Plan coverage due to the termination of your employment or any other reason, you may want to look into purchasing health coverage through a Health Insurance Marketplace.

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