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Flexible Spending Accounts

The following section is for participants who are enrolled in, or eligible to elect, the Health Care Flexible Spending Account (HFSA) and/or Dependent Care Flexible Spending Account (DFSA).

Need Help Choosing Your FSA Contribution Amount(s) for Next Year?

Use the “Estimate how much to contribute” tool on the YBR website during annual open enrollment to estimate your potential healthcare and/or dependent care expenses.

General Information

To be eligible to enroll in an HFSA or a DFSA, you must be a regular full-time or regular part-time employee.

You must actively elect the HFSA and/or DFSA during the annual open enrollment period each year.
Elections do not roll over year-to-year.

This means that if you do not make a contribution election for the HFSA and/or DFSA during this annual open enrollment period, you will not participate in either or both accounts for 2017.

Use it or lose it. You will forfeit any 2016 HFSA and/or DFSA balances if not used by the deadline(s) to incur expenses (March 15, 2017 for HFSA expenses; December 31, 2016 for DFSA expenses) and claims are not submitted (postmarked or faxed to Your Spending Account™ [YSA], or uploaded to the YSA website or the YSA Reimburse Me app) by April 15, 2017.

You must keep all your receipts for eligible expenses. You may be asked to submit them for reimbursement. If you cannot provide proof of a claim with a receipt, YSA will deactivate your HFSA debit card and you will need either to submit payment to cover those expenses or submit substitute receipts for any other eligible out-of-pocket expenses. Your HFSA debit card will be reactivated once you have submitted the necessary payment or valid receipts.

If you are enrolled in the HFSA in 2016 and re-enroll for 2017:

If you newly enroll in an FSA for 2017, you will receive a “welcome” letter in the mail from YSA in December. The YSA website (accessible directly from the YBR website) provides all the tools and information you need to manage your account(s). For example, you can view your account balance(s), submit and check the status of claims, learn about eligible expenses and more.

Keep Track of These Key FSA Dates

Key Dates What You Need to Know/What You Need to Do
NOVEMBER 30, 2016
  • Last day you can make elections or changes to your FSAs for the current year — even if you experience a qualified status change that permits you to make changes to your benefits.
DECEMBER 31, 2016
  • Last day to incur dependent care expenses that can be reimbursed from your 2016 DFSA.
JANUARY 1, 2017
  • The new Plan Year begins.
  • If you have a balance in your 2016 HFSA: Use it — do not lose it. Remember, you can use your balance to pay for eligible healthcare expenses you incur during the 2016 HFSA “grace period” (January 1, 2017 through March 15, 2017).
    • If you re-enrolled in an HFSA for 2017: For eligible expenses incurred in 2017, you can use your YSA HFSA debit card or submit claims to YSA via the YSA website, the YSA Reimburse Me app, fax or mail. If you submit claims to YSA, YSA will automatically draw from your 2016 balance before using your 2017 account to pay for eligible expenses you incur during the grace period. However, if you use your YSA debit card, note that:
      • Expenses incurred during the grace period that are auto-substantiated will automatically be applied to your balance for the prior Plan Year (if available).
      • Expenses incurred during the grace period that are not auto-substantiated will be applied to your balance for the current Plan Year. However, if YSA receives appropriate documentation before the April 15, 2017 claims submission deadline, the claim will be applied to your prior Plan Year balance (if available).
    • If you did not re-enroll in an HFSA for 2017: You must submit your claims for eligible expenses to YSA; your YSA debit card will no longer work.
  • If you do not have a balance in your 2016 HFSA or if you are newly enrolled in an HFSA for 2017: Start using your YSA HFSA to be reimbursed for eligible healthcare expenses. You can use your YSA HFSA debit card or submit claims to YSA via the YSA website, the YSA Reimburse Me app, fax or mail.
  • Start using your 2017 YSA DFSA to be reimbursed for eligible dependent care expenses. You can submit claims to YSA via the YSA website, the YSA Reimburse Me app (you will need to provide the day care provider’s eSignature), fax or mail.
MARCH 15, 2017
  • 2016 HFSA grace period ends. This is the last day to incur eligible healthcare expenses that can be reimbursed from your 2016 HFSA.
APRIL 15, 2017
  • 2016 FSA claims submission deadline. You must submit all your 2016 HFSA and/or DFSA claims to YSA by this date. Claims and/or documentation submitted after this date will not be reimbursed.

Check Out FSAstore.com: Your One-Stop Shop for HFSA-Eligible Products

FSAstore.com eliminates the guesswork about eligibility when you use your HFSA to pay for healthcare items other than prescription drugs. How? By selling only FSA-eligible items — more than 4,000 in all — such as first-aid supplies, sunscreen, contact lenses and solutions, over-the-counter medications and more. Shipping is free for orders over $50 and discounts are available.

You can use your YSA debit card to pay for any eligible purchase, and you will not need to submit receipts to YSA.

You can link to FSAstore.com from the YSA website on YBR, or directly at FSAstore.com.

For More Information

If you have questions about your FSA(s), contact YSA via a link on the YBR website or call the Nokia Benefits Resource Center at 1-888-232-4111 between 9:00 a.m. and 5:00 p.m., ET, Monday through Friday.

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*Includes active employees; employees on a leave of absence (LOA) or Short Term Disability (STD); and COBRA participants.