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Human Resources

Flexible Spending Account

FSA Rollover Changes

Healthcare FSA Participants With a 2020 Balance Over $550

Good news!

Due to COVID-19 related legislation passed late in 2020, restrictions on healthcare flexible spending account fund rollovers have been lifted temporarily. All unused 2020 healthcare FSA funds will roll into your 2021 account on April 1, 2021.

Submit your eligible 2020 expenses by March 15, 2021. On April 1, you will have access to your unused 2020 funds for eligible expenses incurred in 2021.

In addition, any FSA funds you have not used by the end of 2021 will roll over to your 2022 FSA on April 1, 2022.

If you have any questions about your healthcare FSA or your fund rollovers, please contact DMBA Member Services through www.dmba.com or by calling (801) 578-5600 or (800) 777-3622.

Dependent-Care FSA Participants With a 2020 Balance

DMBA is pleased to announce that all unused contributions from your 2020 dependent-care flexible spending account will automatically roll forward to your 2021 FSA later this year. In previous years, government regulations prohibited rollovers of unused dependent-care FSA contributions from one year to the next. However, due to COVID-19 related legislation passed late in 2020, those restrictions have been lifted temporarily. DMBA will alert you when these contributions become available. Once available, use these rolled-over contributions the same way you use original FSA contributions to pay for eligible dependent-care expenses during 2021.

Submit your eligible 2020 dependent-care expenses to DMBA by March 15, 2021. Any unused contributions from 2020 will be added to your 2021 dependent-care FSA election and displayed in the FSA tile on www.dmba.com. Again, your rollover contributions will not be accessible right away, but you will be able to claim these contributions for your 2021 dependent-care services. So, hold on to your receipts and submit them when these contributions are available.

In addition, any dependent-care FSA contributions you have not used by the end of 2021 will roll over to your 2022 FSA.

If you have any questions about your dependent-care FSA or your contribution rollovers, please contact DMBA Member Services through www.dmba.com or by calling (801) 578-5600 or (800) 777-3622.

All 2021 FSA Participants

DMBA is pleased to announce that, due to COVID-19 related legislation passed late in 2020, government regulations restricting or prohibiting flexible spending account contribution rollovers have been lifted temporarily.

This means that all unused contributions from 2020 healthcare and dependent-care FSAs will automatically roll forward to the equivalent 2021 FSA. Use these rolled-over contributions the same way you use original FSA contributions to pay for eligible expenses during 2021.

In addition, all healthcare and dependent-care FSA contributions you have not used by the end of 2021 will roll over to your 2022 FSA.

If you have any questions about FSAs or rollovers, please contact DMBA Member Services through www.dmba.com or by calling (801) 578-5600 or (800) 777-3622.

A Flexible Spending Account Can Save You Money

A flexible spending account (FSA) is a type of savings account, which provides employees with specific tax advantages. The FSA account allows you to contribute a portion of your regular earnings to pay for qualified expenses related to medical, dental, and vision expenses each year. In a separate FSA, you may also set aside money for dependent-care expenses.

How Does It Work?

  • Enroll and choose a dollar amount for the year (starting with your hire date).
  • The amount is divided equally between your remaining paychecks for the calendar year and deposited into your flexible spending account (FSA).
  • Use the money in your FSA to pay for eligible expenses (copayments, coinsurance, prescriptions, glasses, contacts, dental expenses, etc.).
  • Pay for eligible expenses with your healthcare FSA benefit card or pay for them out of pocket and be reimbursed after you submit a claim to DMBA – either online or by mail.
  • Use all the money in your account(s) by December 31. For your dependent-care FSA, you will forfeit unused funds not claimed for eligible expenses incurred by December 31. For your healthcare FSA, up to $500 of unused money will automatically roll over to the next year for your use on eligible expenses. You will forfeit any unused balance over $500.
  • File all your claims by March 15 of the following year.

How to File for Reimbursement?

  • Claims can be filed online through Deseret Mutual's website or via a paper form in the mail.
  • A paper FSA reimbursement form can be accessed online at www.dmba.com. There click on Resources, Forms, Library, and print out the Flexible Spending Account Medical/Dental Claim Form or the Flexible Spending Account Claim Form for Dependent Care.
  • Include an explanation of benefits from the insurance company for medical/dental claims such as:
    • Co-pays for doctor/dental visits.
    • Therapy.
    • Emergency room services.
    • Medical equipment.
    • Surgery or maternity or hospitalization.
    • Emotional illness services.
    • Radiology (X-Rays).
    • Dental work.
    • Receipts for prescriptions, glasses, contacts, contact lens solutions, hearing aids, etc.
    • For dependent child care, Receipts from the caregiver with a tax number of the daycare provider.