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Flexible Spending Accounts
Important Note Regarding Flexible Spending Account Debit Cards:
P&A Group only issues FSA debit cards once during the initial enrollment. They do not re-issue debit cards every year when employees re-enroll. 
If you have lost your debit card and need a replacement card issued, you must call P&A Group at (800) 688-2611.


Medical Reimbursement Account and Dependent Care Assistance Plan
The City of San José offers a choice of two flexible spending accounts, a Medical Reimbursement Account (MRA) and a Dependent Care Assistance Plan (DCAP).  For more information, see the details on each individual plan below. 
 
P&A Group Flexible Spending Account Brochure
 

Medical Reimbursement Account
The City offers its employees a Medical Reimbursement Account (MRA) in accordance with IRS Sections 125/129.  Normally, out-of-pocket healthcare expenses are paid with money that has already been taxed.  However, using the MRA program, out-of-pocket expenses can be reimbursed from a trust account funded with pre-tax deductions from the employee’s paycheck.  This reduces taxable income so City employees will pay less in taxes and have more money to spend and save.


Dependent Care Assistance Plan
The City offers its employees a Dependent Care Assistance Program (DCAP) in accordance with IRS Sections 125/129.  Normally, dependent care is paid for with money that has already been taxed.  However, using the DCAP program, out-of-pocket expenses can be reimbursed from a trust account funded with pre-tax deductions from the employee’s paycheck. This reduces taxable income so City employees will pay less in taxes and have more money to spend and save.


Eligibility
All Full and Part-time benefited employees are eligible to participate in these programs.


Cost
There is a $3.75 monthly administrative fee for participating in one or both of the City’s Flexible Spending Accounts which is paid for by participants. 


Pre-Tax Commuter Benefit Program
The City's Commuter Benefit offers eligible employees an opportunity to pay for non-VTA transit expenses with pre-tax dollars. The Pre-Tax Commuter Benefit supports the City’s commitment to expand opportunities for employees to travel by means other than driving.


Qualifying Expenses
Qualifying expenses for transit services include subways, buses, ferries, commuter rail, and vanpools.  Locally, this includes BART, Caltrain, Highway 17 Express Buses, ACE trains, and Vanpools.  Expenses that are not eligible include parking, carpools, tolls, gas, and other driving related expenses.


Eligibility

Eligible employees are full-time and part-time benefitted City employees classified at 20 hours per week or more.  Part-time unbenefited and Airport employees are not eligible to participate.


Cost
There is a $3.50 monthly administrative fee for participating in the Commuter Benefits program which is paid by the City for the first year, ending on December 31, 2015.


Contact
For more information about Flexible Spending Accounts or Commuter Benefits, contact Human Resources - Employee Benefits at .