Flexible Spending Account (DCFSA)

Flexible Spending Accounts (FSAs) allow you to set aside pre-tax dollars to pay for eligible expenses, such as dependent care.  You must enroll for this benefit each year. 

How the Dependent Care FSA Works 

Here’s how to enroll, manage your account, and maximize your savings. 

Your Contributions 

During annual enrollment, you decide how much you want to contribute to your Dependent Care FSA for the upcoming year. Your contributions are deducted from each paycheck before income and Social Security taxes, then deposited into your DCFSA.  

Choose your contribution amount carefully: You’ll forfeit any funds you don’t use for care in 2026 and request reimbursement for by the deadline. 

• The limits: $7,500 per year, or $3,750 if married and filing separate tax returns.  

• The timing: Incur expenses January 1-December 31, and request reimbursement by March 31 of the following year. Any unused dollars will be forfeited, per IRS rules. 

• Eligible uses: Expenses you incur for your dependents’ care that is necessary for you or your spouse to work or attend school full time. This can be for children under age 13, senior citizens, or eligible dependents incapable of self-care. Eligible expenses can include preschool, before/after school programs, and child/adult daycare.