HSA & FSA

VOYA

HEALTH SAVINGS ACCOUNTS (HSA)

Offer a way to save for – and pay for – healthcare (medical, prescription, dental, vision) expenses. There are many advantages to having a Health Savings Account, including:

• Pre-Tax Contributions
• Tax-Free Withdrawals for Qualified Expenses
• Tax-Fee Earnings and Interest
• Funds Rollover and much more!

DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT (FSA)

The Dependent Care FSA allows Ryan Lawn & Tree employees to use pre-tax dollars towards qualified dependent care such as caring for children under the age of 13 or caring for disabled dependents over the age of 13. The annual maximum amount you may contribute to the

Dependent Care FSA is $5,000 per household (or $2,500 each if married and filing separately) per calendar year. Examples include:

• Cost of child(ren) or disabled-dependent care
• Cost for an individual to provide care either in or outside of the home
• Nursery schools & preschools (excluding kindergarten and educational costs)

ADOPTION ASSISTANCE FLEXIBLE SPENDING ACCOUNT (FSA)

The Adoption Assistance FSA allows Ryan Lawn & Tree employees to use pre-tax dollars towards eligible domestic and foreign adoption expenses. The annual maximum amount you may contribute to the Adoption Assistance FSA is $14,400 per year. Examples include:

• Adoption agency fees
• Court Costs
• Attorney fees
• Travel Expenses while away from home

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