Connect benefits and savings

• Funds stay with you. Funds in your account stay with you, even if you change jobs. Funds that remain in the account continue to grow and accrue interest.
• You can use it to invest. When your account reaches the threshold indicated in your plan, you can invest in mutual funds, furthering the account growth potential to support your medical expense needs today and into retirement.
  • Note that all investing involves risks of fluctuating prices and the uncertainties of return and yield inherent in investing. All security transactions involve substantial risk of loss.
• Quickly and easily access funds. Use your debit card at the register for qualified purchases, or request to have funds directly deposited into your bank account through the website or mobile app.

These tax-advantaged accounts are available in three different types:

1. Health FSA: Can help pay for qualified medical, dental and vision out-of-pocket healthcare expenses like co-pays, coinsurance, deductibles, prescriptions, glasses, vision correction surgery, dental and orthodontia services and more.
2. Limited Purpose FSA: Similar to a Health FSA, this plan is limited to dental (including orthodontia) and vision expenses only. Enrollment in a Limited Purpose FSA is permitted for those enrolled in an HSA, whereas a Health FSA is not.
3. Dependent Care FSA: Use for qualified expenses like day care, before and after school care, or summer day camps for your tax dependents under age 13, as well as care for tax dependents of any age with special needs (such as those needing adult day care services).

Health Account Solutions, including Health Savings Accounts, Flexible Spending Accounts, Commuter Benefits, Health Reimbursement Arrangements, and COBRA Administration offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). HSA custodial services provided by Voya Institutional Trust Company. For all other products, administration services provided in part by WEX Health, Inc.

This highlights some of the benefits of these accounts. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any applicable agreements, Voya and WEX Health, Inc. reserve the right to amend or modify the services at any time.

The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will affect tax savings. None of the information provided should be considered tax or legal advice.

Investments are not FDIC Insured, are not guaranteed by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC), and may lose value. All investing involves risks of fluctuating prices and the uncertainties of return and yield inherent in investing. All security transactions involve substantial risk of loss.

• Benefits can be used for any purpose: Benefit can be used for out-of-pocket medical and other expenses, including copays, deductibles, groceries, gas, utilities and more.
• Portable: Take your coverage with you if you leave your employer or retire and pay the insurance company directly.

1. Critical Illness may be referred to as Specified Disease in some states.

• Offers benefits that can be used as you see fit: You can use benefit dollars however you choose — to help pay for everyday expenses like groceries, gas, utilities and more.
• Lessens impact of out-of-pocket expenses: Accident Insurance can help with out of pocket expenses such as deductibles and co-pays or co-insurance.
• Portable: You can take your coverage with you if you leave your employer or retire and pay the insurance company directly.

• Provides a fixed daily benefit for a covered confinement: You can use your paid benefits however you choose — including everyday expenses like gas and groceries.
• Lessens impact of out-of-pocket expenses: As deductibles, co-pays and co-insurance costs rise, you may be worried about increasing out-of-pocket costs. This coverage can help.