Your pre-tax benefits have different rules upon departure from your employer - some accounts can be maintained while others must be used by your last day or within a grace period.

Quick facts

Pre-tax benefits are governed by different regulations that determine how they can be used after employment ends. Some pre-tax funds are yours to keep, while others will revert to your previous employer.

• Health Savings Account (HSA) funds are yours to keep and use indefinitely, even after leaving your employer
• Flexible Spending Accounts (FSAs) typically require eligible expenses to be incurred by your last day of employment, though you may have additional time to submit outstanding claims.
• Commuter benefits usually must be used by your last day of employment, though you may have additional time to submit outstanding claims.

Common Questions

How do I access my account during my run out or grace period to submit claims?

When you first login to Benepass, you'll be prompted to enter a backup email. This email can be changed at any time from the Settings page. Following the end of your employment, if your benefits allow for a grace or run out period, or if you're enrolled in an HSA, your account will automatically be updated to allow you to login using your backup email.

To login, navigate to the app or website and enter your backup email, and then select the "Login with Email code" option to receive a six digit code to your email. Enter that code and you'll be able to access your benefits.

If you are unable to access your account using your backup email, or if you did not select a backup email prior to your last day, please contact Benepass Support for additional help.

How do I find out what happens to my benefit(s)?

Your benefit's plan documents (typically provided to your by your employer at the start of the plan year) will outline their chosen policies for pre-tax benefits after the end of employment.

If one or more of your pretax benefits enters a run-out or grace period, you'll be able to login to Benepass using your backup email and view important dates by navigating to Accounts > Benefit > Election Summary > Dates

What are the end of employment options for each benefit type?

Health FSAs and Limited Purpose FSAs may be configured with a grace period of up to 75 days. Additionally or alternatively, your employer may opt to offer a run-out period to provide a chance to submit final claims. Unused funds at the end of the runout period are forfeit.

Dependent Care FSAs can be configured with a run-out period to give time to submit final claims, along with a grace period of up to 75 days. Unused funds are forfeit after the end of the grace or run out periods.

Commuter benefits may be configured with a run-out period of up to 90 days to give additional time to submit final claims.

Health Savings Accounts never expire and remain yours even if you leave your employer. You can continue to access by logging into Benepass using your backup email, or may choose to transfer your balance to a new custodian.

What happens if I elect into COBRA continuation coverage?

If you elect COBRA, you can continue to access your Health Care FSA or Limited Purpose FSA for the remainder of the plan year, provided you continue to pay the required COBRA premiums. This allows you to be reimbursed for eligible expenses incurred both before and after your last day, up to the amount you originally elected for the plan year.

Note that COBRA continuation does not apply to Dependent Care FSAs or Commuter benefits.