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529            </li>
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531                <a href="/Well-Being/Fitness-Centers#OnsiteFitnessCenters">On-site Fitness Centers</a>
532            </li>
533    </ul>
534                    </li>
535        </ul>
536            </li>
537            <li class="panel-head">
538                    <a class="fa-icon" href="/Income-Protection">
539                            <span class="fa-stack small">
540                                <i class="fas fa-circle fa-stack-2x"></i>
541                                <i class="fas fa-umbrella fa-stack-1x fa-inverse"></i>
542                            </span>
543                        Income Protection
544                    </a>
545                        <ul class="primary-menu__pm-l2 menu vertical">
546                    <li>
547                        <a href="/Income-Protection/Disability-Insurance" class="">Disability Insurance</a>
548    <ul class="primary-menu__pm-l3 menu vertical">
549            <li>
550                <a href="/Income-Protection/Disability-Insurance">Overview
551</a>
552            </li>
553            <li>
554                <a href="/Income-Protection/Disability-Insurance#ShortTermDisabilitySTD">Short-Term Disability (STD) 
555</a>
556            </li>
557            <li>
558                <a href="/Income-Protection/Disability-Insurance#LongTermDisabilityLTD">Long-Term Disability (LTD)
559
560
561</a>
562            </li>
563            <li>
564                <a href="/Income-Protection/Disability-Insurance#COBRACoverageWhileonDisability">COBRA Coverage While on Disability</a>
565            </li>
566            <li>
567                <a href="/Income-Protection/Disability-Insurance#WorkersCompensation">Workers’ Compensation</a>
568            </li>
569    </ul>
570                    </li>
571                    <li>
572                        <a href="/Income-Protection/Life-Accident-Insurance" class="">Life and AD&amp;D Insurance</a>
573    <ul class="primary-menu__pm-l3 menu vertical">
574            <li>
575                <a href="/Income-Protection/Life-Accident-Insurance">Overview
576</a>
577            </li>
578            <li>
579                <a href="/Income-Protection/Life-Accident-Insurance#BasicLifeInsurance">Basic Life Insurance
580</a>
581            </li>
582            <li>
583                <a href="/Income-Protection/Life-Accident-Insurance#BasicAccidentalDeathDismembermentADD">Basic Accidental Death & Dismemberment (AD&D)
584
585</a>
586            </li>
587            <li>
588                <a href="/Income-Protection/Life-Accident-Insurance#GroupUniversalLife">Group Universal Life
589</a>
590            </li>
591            <li>
592                <a href="/Income-Protection/Life-Accident-Insurance#CashAccumulationFund">Cash Accumulation Fund 
593
594
595</a>
596            </li>
597            <li>
598                <a href="/Income-Protection/Life-Accident-Insurance#DependentLife">Dependent Life
599</a>
600            </li>
601            <li>
602                <a href="/Income-Protection/Life-Accident-Insurance#SupplementalADD">Supplemental AD&D
603</a>
604            </li>
605            <li>
606                <a href="/Income-Protection/Life-Accident-Insurance#BusinessTravelAccidentMedical">Business Travel Accident/Medical
607
608
609
610</a>
611            </li>
612    </ul>
613                    </li>
614                    <li>
615                        <a href="/Income-Protection/Naming-Beneficiaries" class="">Naming Beneficiaries</a>
616    <ul class="primary-menu__pm-l3 menu vertical">
617            <li>
618                <a href="/Income-Protection/Naming-Beneficiaries">Overview
619</a>
620            </li>
621            <li>
622                <a href="/Income-Protection/Naming-Beneficiaries#WhattoConsider">What to Consider</a>
623            </li>
624            <li>
625                <a href="/Income-Protection/Naming-Beneficiaries#HowtoNameaBeneficiary">How to Name a Beneficiary</a>
626            </li>
627            <li>
628                <a href="/Income-Protection/Naming-Beneficiaries#ImportantInformationforSurvivors">Important Information for Survivors</a>
629            </li>
630    </ul>
631                    </li>
632        </ul>
633            </li>
634            <li class="panel-head">
635                    <a class="fa-icon" href="/Savings-Pay">
636                            <span class="fa-stack small">
637                                <i class="fas fa-circle fa-stack-2x"></i>
638                                <i class="fas fa-dollar-sign fa-stack-1x fa-inverse"></i>
639                            </span>
640                        Savings/Pay
641                    </a>
642                        <ul class="primary-menu__pm-l2 menu vertical">
643                    <li>
644                        <a href="/Savings-Pay/Retirement-Savings-Plan" class="">Retirement Savings Plan</a>
645    <ul class="primary-menu__pm-l3 menu vertical">
646            <li>
647                <a href="/Savings-Pay/Retirement-Savings-Plan">Overview</a>
648            </li>
649            <li>
650                <a href="/Savings-Pay/Retirement-Savings-Plan#YourContributions">Your Contributions</a>
651            </li>
652            <li>
653                <a href="/Savings-Pay/Retirement-Savings-Plan#CitiContributions">Citi Contributions 
654</a>
655            </li>
656            <li>
657                <a href="/Savings-Pay/Retirement-Savings-Plan#FinancialAdvice">Financial Advice</a>
658            </li>
659            <li>
660                <a href="/Savings-Pay/Retirement-Savings-Plan#Vesting">Vesting</a>
661            </li>
662            <li>
663                <a href="/Savings-Pay/Retirement-Savings-Plan#WithdrawalsandLoans">Withdrawals and Loans</a>
664            </li>
665    </ul>
666                    </li>
667                    <li>
668                        <a href="/Savings-Pay/Equity-Compensation-and-Payroll" class="">Equity Compensation and Payroll</a>
669                    </li>
670                    <li>
671                        <a href="/Savings-Pay/The-Citigroup-Pension-Plan" class="">The Citigroup Pension Plan</a>
672                    </li>
673                    <li>
674                        <a href="/Savings-Pay/Savings-and-Spending-Accounts" class="">Savings & Spending Accounts</a>
675    <ul class="primary-menu__pm-l3 menu vertical">
676            <li>
677                <a href="/Savings-Pay/Savings-and-Spending-Accounts">Overview</a>
678            </li>
679            <li>
680                <a href="/Savings-Pay/Savings-and-Spending-Accounts#HealthSavingsAccountHSA">Health Savings Account (HSA)</a>
681            </li>
682            <li>
683                <a href="/Savings-Pay/Savings-and-Spending-Accounts#HealthCareSpendingAccount">Health Care Spending Account</a>
684            </li>
685            <li>
686                <a href="/Savings-Pay/Savings-and-Spending-Accounts#LimitedPurposeHealthCareSpendingAccount">Limited Purpose Health Care Spending Account
687</a>
688            </li>
689            <li>
690                <a href="/Savings-Pay/Savings-and-Spending-Accounts#DependentDayCareSpendingAccount">Dependent Day Care Spending Account
691</a>
692            </li>
693            <li>
694                <a href="/Savings-Pay/Savings-and-Spending-Accounts#TransportationReimbursementIncentiveProgram">Transportation Reimbursement Incentive Program
695</a>
696            </li>
697    </ul>
698                    </li>
699                    <li>
700                        <a href="/Savings-Pay/Paying-for-Medical-Coverage" class="">Paying for Medical Coverage</a>
701                    </li>
702                    <li>
703                        <a href="/Savings-Pay/Benefits-Eligible-Pay" class="">Benefits Eligible Pay</a>
704                    </li>
705        </ul>
706            </li>
707            <li class="panel-head">
708                    <a class="fa-icon" href="/Work-or-Life">
709                            <span class="fa-stack small">
710                                <i class="fas fa-circle fa-stack-2x"></i>
711                                <i class="fas fa-life-ring fa-stack-1x fa-inverse"></i>
712                            </span>
713                        Work/Life
714                    </a>
715                        <ul class="primary-menu__pm-l2 menu vertical">
716                    <li>
717                        <a href="/Work-or-Life/Time-Off" class="">Time Off</a>
718    <ul class="primary-menu__pm-l3 menu vertical">
719            <li>
720                <a href="/Work-or-Life/Time-Off">Overview</a>
721            </li>
722            <li>
723                <a href="/Work-or-Life/Time-Off#TimeOffOptions">Time Off Options</a>
724            </li>
725            <li>
726                <a href="/Work-or-Life/Time-Off#VacationPurchaseProgram">Vacation Purchase Program</a>
727            </li>
728    </ul>
729                    </li>
730                    <li>
731                        <a href="/Work-or-Life/Leaves" class="">Leaves</a>
732    <ul class="primary-menu__pm-l3 menu vertical">
733            <li>
734                <a href="/Work-or-Life/Leaves">Overview</a>
735            </li>
736            <li>
737                <a href="/Work-or-Life/Leaves#FamilyLeaveforNewParents">Family Leave for New Parents</a>
738            </li>
739            <li>
740                <a href="/Work-or-Life/Leaves#CaregiverLeave">Caregiver Leave</a>
741            </li>
742            <li>
743                <a href="/Work-or-Life/Leaves#FamilyandMedicalLeaveAct">Family and Medical Leave Act</a>
744            </li>
745            <li>
746                <a href="/Work-or-Life/Leaves#OtherLeaves">Other Leaves</a>
747            </li>
748            <li>
749                <a href="/Work-or-Life/Leaves#TakingandReturningfromLeave">Taking and Returning from Leave</a>
750            </li>
751    </ul>
752                    </li>
753                    <li>
754                        <a href="/Work-or-Life/Growing-Your-Family" class="">Growing Your Family</a>
755    <ul class="primary-menu__pm-l3 menu vertical">
756            <li>
757                <a href="/Work-or-Life/Growing-Your-Family">Overview</a>
758            </li>
759            <li>
760                <a href="/Work-or-Life/Growing-Your-Family#FertilityPregnancySupport">Fertility/Pregnancy Support</a>
761            </li>
762            <li>
763                <a href="/Work-or-Life/Growing-Your-Family#AdoptionandSurrogacy">Adoption and Surrogacy</a>
764            </li>
765            <li>
766                <a href="/Work-or-Life/Growing-Your-Family#PlanningforYourFamilyAddition">Planning for Your Family Addition</a>
767            </li>
768            <li>
769                <a href="/Work-or-Life/Growing-Your-Family#WelcomingaNewChild">Welcoming a New Child</a>
770            </li>
771            <li>
772                <a href="/Work-or-Life/Growing-Your-Family#ParentingSupport">Parenting Support</a>
773            </li>
774    </ul>
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776                    <li>
777                        <a href="/Work-or-Life/Family-and-Educational-Support" class="">Family and Educational Support</a>
778    <ul class="primary-menu__pm-l3 menu vertical">
779            <li>
780                <a href="/Work-or-Life/Family-and-Educational-Support">Overview</a>
781            </li>
782            <li>
783                <a href="/Work-or-Life/Family-and-Educational-Support#ChildElderCare">Child/Elder Care</a>
784            </li>
785            <li>
786                <a href="/Work-or-Life/Family-and-Educational-Support#FamilyResources">Family Resources</a>
787            </li>
788            <li>
789                <a href="/Work-or-Life/Family-and-Educational-Support#EducationandLearning">Education and Learning</a>
790            </li>
791            <li>
792                <a href="/Work-or-Life/Family-and-Educational-Support#CollegeAdvisingandTestPrep">College Advising and Test Prep</a>
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794    </ul>
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796                    <li>
797                        <a href="/Work-or-Life/Professional-Development" class="">Professional Development</a>
798    <ul class="primary-menu__pm-l3 menu vertical">
799            <li>
800                <a href="/Work-or-Life/Professional-Development">Overview</a>
801            </li>
802            <li>
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804            </li>
805            <li>
806                <a href="/Work-or-Life/Professional-Development#AdditionalResources">Additional Resources</a>
807            </li>
808    </ul>
809                    </li>
810                    <li>
811                        <a href="/Work-or-Life/Everyday-Support" class="">Everyday Support</a>
812                    </li>
813                    <li>
814                        <a href="/Work-or-Life/Legal-Resources" class="">Legal Resources</a>
815                    </li>
816                    <li>
817                        <a href="/Work-or-Life/Employee-Discounts" class="">Save with Citi Benefits</a>
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822Me">
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824                                <i class="fas fa-circle fa-stack-2x"></i>
825                                <i class="fas fa-users fa-stack-1x fa-inverse"></i>
826                            </span>
827                        Citi Is There for Me
828                    </a>
829                        <ul class="primary-menu__pm-l2 menu vertical">
830                    <li>
831                        <a href="/Citi-Is-There-for-Me/Overview" class="type-red">Overview</a>
832                    </li>
833                    <li>
834                        <a href="/Citi-Is-There-for-Me/Young-and-Overwhelmed" class="">Adriann: Young & Overwhelmed</a>
835    <ul class="primary-menu__pm-l3 menu vertical">
836            <li>
837                <a href="/Citi-Is-There-for-Me/Young-and-Overwhelmed">Meet Adriann</a>
838            </li>
839            <li>
840                <a href="/Citi-Is-There-for-Me/Young-and-Overwhelmed#MentalHealthWorkLifeSupport">Mental Health/Work-Life Support</a>
841            </li>
842            <li>
843                <a href="/Citi-Is-There-for-Me/Young-and-Overwhelmed#PhysicalHealth">Physical Health</a>
844            </li>
845            <li>
846                <a href="/Citi-Is-There-for-Me/Young-and-Overwhelmed#FinancialHealth">Financial Health</a>
847            </li>
848    </ul>
849                    </li>
850                    <li>
851                        <a href="/Citi-Is-There-for-Me/Building-Family-Home-Career" class="">Ariel: Building Family, Home, Career</a>
852    <ul class="primary-menu__pm-l3 menu vertical">
853            <li>
854                <a href="/Citi-Is-There-for-Me/Building-Family-Home-Career">Meet Ariel</a>
855            </li>
856            <li>
857                <a href="/Citi-Is-There-for-Me/Building-Family-Home-Career#MentalHealthWorkLifeSupport">Mental Health/Work-Life Support</a>
858            </li>
859            <li>
860                <a href="/Citi-Is-There-for-Me/Building-Family-Home-Career#PhysicalHealth">Physical Health</a>
861            </li>
862            <li>
863                <a href="/Citi-Is-There-for-Me/Building-Family-Home-Career#FinancialHealth">Financial Health</a>
864            </li>
865    </ul>
866                    </li>
867                    <li>
868                        <a href="/Citi-Is-There-for-Me/Nurturing-Children-Self-Career" class="">Remy: Nurturing Children, Self, Career</a>
869    <ul class="primary-menu__pm-l3 menu vertical">
870            <li>
871                <a href="/Citi-Is-There-for-Me/Nurturing-Children-Self-Career">Meet Remy</a>
872            </li>
873            <li>
874                <a href="/Citi-Is-There-for-Me/Nurturing-Children-Self-Career#MentalHealthWorkLifeSupport">Mental Health/Work-Life Support</a>
875            </li>
876            <li>
877                <a href="/Citi-Is-There-for-Me/Nurturing-Children-Self-Career#PhysicalHealth">Physical Health</a>
878            </li>
879            <li>
880                <a href="/Citi-Is-There-for-Me/Nurturing-Children-Self-Career#FinancialHealth">Financial Health</a>
881            </li>
882    </ul>
883                    </li>
884                    <li>
885                        <a href="/Citi-Is-There-for-Me/Juggling-It-All" class="">Jordan: Juggling It All</a>
886    <ul class="primary-menu__pm-l3 menu vertical">
887            <li>
888                <a href="/Citi-Is-There-for-Me/Juggling-It-All">Meet Jordan</a>
889            </li>
890            <li>
891                <a href="/Citi-Is-There-for-Me/Juggling-It-All#MentalHealthWorkLifeSupport">Mental Health/Work-Life Support</a>
892            </li>
893            <li>
894                <a href="/Citi-Is-There-for-Me/Juggling-It-All#PhysicalHealth">Physical Health</a>
895            </li>
896            <li>
897                <a href="/Citi-Is-There-for-Me/Juggling-It-All#FinancialHealth">Financial Health</a>
898            </li>
899    </ul>
900                    </li>
901                    <li>
902                        <a href="/Citi-Is-There-for-Me/Facing-Retirement-and-Health-Issues" class="">Robbie: Facing Retirement & Health Issues</a>
903    <ul class="primary-menu__pm-l3 menu vertical">
904            <li>
905                <a href="/Citi-Is-There-for-Me/Facing-Retirement-and-Health-Issues">Meet Robbie</a>
906            </li>
907            <li>
908                <a href="/Citi-Is-There-for-Me/Facing-Retirement-and-Health-Issues#MentalHealthWorkLifeSupport">Mental Health/Work-Life Support</a>
909            </li>
910            <li>
911                <a href="/Citi-Is-There-for-Me/Facing-Retirement-and-Health-Issues#PhysicalHealth">Physical Health</a>
912            </li>
913            <li>
914                <a href="/Citi-Is-There-for-Me/Facing-Retirement-and-Health-Issues#FinancialHealth">Financial Health</a>
915            </li>
916    </ul>
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920            <li class="panel-head">
921                    <a class="fa-icon" href="/Making-Benefits-Changes">
922                            <span class="fa-stack small">
923                                <i class="fas fa-circle fa-stack-2x"></i>
924                                <i class="fas fa-user-edit fa-stack-1x fa-inverse"></i>
925                            </span>
926                        Making Benefits Changes
927
928                    </a>
929                            </li>
930            <li class="panel-head">
931                    <a class="fa-icon" href="/Benefits-Handbook">
932                            <span class="fa-stack small">
933                                <i class="fas fa-circle fa-stack-2x"></i>
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935                            </span>
936                        Benefits Handbook
937                    </a>
938                            </li>
939            <li class="panel-head">
940                    <a class="fa-icon" href="/Contacts">
941                            <span class="fa-stack small">
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945                        Contacts
946                    </a>
947                            </li>
948            <li class="panel-head">
949                    <a class="fa-icon" href="/Forms-and-Documents">
950                            <span class="fa-stack small">
951                                <i class="fas fa-circle fa-stack-2x"></i>
952                                <i class="fas fa-folder fa-stack-1x fa-inverse"></i>
953                            </span>
954                        Forms and Documents
955                    </a>
956                            </li>
957            <li class="panel-head">
958                    <a href="https://www.totalcomponline.com" target="_blank">
959                        <span class="fa-stack small">
960                            <i class="fas fa-circle fa-stack-2x"></i>
961                            <i class="fas fa-money-bill fa-stack-1x fa-inverse"></i>
962                        </span>My Total Compensation and Benefits
963                    </a>
964                            </li>
965            <li class="panel-head">
966                    <a class="fa-icon" href="/SBC-Archives">
967                            <span class="fa-stack small">
968                                <i class="fas fa-circle fa-stack-2x"></i>
969                                <i class="fas fa-file-alt fa-stack-1x fa-inverse"></i>
970                            </span>
971                        SBC and Plan Summary Archives
972                    </a>
973                            </li>
974    </ul>
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988                        <tr>
989                                <td>
989<a href="http://www.totalcomponline.com/" target=_blank>Enroll</a></td>
990                                <td><a href="/Benefits-Handbook" >Benefits Handbook</a></td>
991                        </tr>
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999                                <td><a href="https://landing.virginpulse.com/LiveWell/" target=_blank>Live Well at Citi Program</a></td>
1000                        </tr>
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1002                                <td><a href="http://www.healthadvocate.com/Citi" target=_blank>Health Advocate</a></td>
1003                                <td><a href="http://www.aetna.com/" target=_blank>Medical – Aetna</a></td>
1004                        </tr>
1005                        <tr>
1006                                <td><a href="http://www.anthem.com/" target=_blank>Medical – Anthem</a></td>
1007                                <td><a href="https://www.aetna.com/" target=_blank>Dental – Aetna</a></td>
1008                        </tr>
1009                        <tr>
1010                                <td>
1010<a href="http://www.totalcomponline.com/" target=_blank>Dental – MetLife</a></td>
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1012                        </tr>
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1015                                <td><a href="http://www.totalcomponline.com/" target=_blank>Flexible Spending Accounts</a></td>
1016                        </tr>
1017                        <tr>
1018                                <td><a href="http://www.totalcomponline.com/" target=_blank>Transportation Reimbursement Incentive Program</a></td>
1019                                <td><a href="http://www.totalcomponline.com/" target=_blank>Retirement Savings Plan</a></td>
1020                        </tr>
1021                        <tr>
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1048                                Questions? Call your Citi Health Concierge. Aetna: <a href="tel:18005455862">1 (800) 545-5862</a> | Anthem: <a href="tel:18555938123">1 (855) 593-8123</a> | Health Advocate: <a href="18664499933">1 (866) 449-9933</a>
1049                            </li>
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1051                                <a href="/Well-Being/Mental-Health-Support" >Get confidential support</a> for your mental health at no cost.
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1054                </div>
1055            <button class="js-notif-menu-close user-menu__close notif-menu__close" data-close aria-label="Close modal" type="button">
1056                <span aria-hidden="true"><i class="far fa-window-close"></i></span>
1057            </button>
1058        </div>
1059    </div>
1060</div>
1061<main id="maincontent" class="content-grid">
1062    
1063<section  class="HandlebarsContainer content-grid__child-a content-banner">        <div class="content-banner__content">
1064          <h1 class="content-banner__heading">Savings & Spending Accounts</h1>
1065        </div>
1066        <img class="content-banner__img" src="/-/media/Mercer/CitiBenefits/Images/B23_Upgrade/BannerImages/b23-sub-savings-pay.jpg?rev=feb7dbf3fcc04aa0b6bce820b9734acb&hash=30396979A507B91117F1782F00D2C13E" alt="Page Header">
1067</section><section id="page-top" class="content-grid__child-b content-main" >
1068<section  class="HandlebarsContainer page-intro-ctr"><div>
1069    <div class="page-intro__hashtag">
1070        <a href="/hashtag-results?q=#FinancalWell-being"><span>#FinancalWell-being</span></a>
1071        <a href="/hashtag-results?q=#SavingMoney"><span>#SavingMoney</span></a>
1072        <a href="/hashtag-results?q=#Family"><span>#Family</span></a>
1073    </div>
1074
1075    
1076</div></section><section class="section">
1077    <div class="anchor" id="Overview">
1078        <h2 class="section-title">Overview</h2>
1079    </div>
1080        <div class="sectionBody">
1081            <p>Spending and savings accounts allow you to pay for certain expenses with before-tax contributions from your pay and save on out-of-pocket costs. The following accounts are available:</p>
1082
1083<div class="ct ct--alt-1 module-ctr">
1084  <div class="ct__header">
1085    <span class="ct__icon">
1086    <i class="fa-fw far fa-info-circle"></i>
1087    </span>
1088    <p class="ct__headline">Use It or Lose It Reminder</p>
1089  </div>
1090  <div class="ct__content">
1091    <p>The Health Care Spending Account (HCSA) and Limited Purpose HCSA are subject to the “use it or lose it" rule under the Internal Revenue Code. This means that any unused balance will not roll over to the next year.</p>
1092
1093  <p >For expenses you incurred between January 1 and December 1, 2025, you must finish the claims filing process (including providing any needed supporting documentation) by June 30, 2026. To view a list of eligible expenses and file claims, log on to the Optum Financial website through <a rel="noopener noreferrer" class="ct-static__link" href="https://logintotalcomponl
1093ine.citigroup.com/" target="_blank">My Total Compensation and Benefits</a>.</p>
1094 </div>
1095</div>
1096
1097
1098
1099<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1100  <div class="ct__header">
1101    <span class="ct__icon icon"><i class="fa-fw far fa-lightbulb-dollar"></i></span>
1102    <p class="ct__headline">Stretch Your Health Care Dollars and Save on Everyday Needs</p>
1103  </div>
1104  <div class="ct__content drop-hide js-dropdown">
1105    <p>If you're contributing to a <a href="/Savings-Pay/Savings-and-Spending-Accounts#HealthCareSpendingAccount" >Health Care Spending Account (HCSA)</a> or <a href="/Savings-Pay/Savings-and-Spending-Accounts#HealthSavingsAccountHSA" >Health Savings Account (HSA)</a>, you can use it to help your health care budget go farther.</p>
1106
1107    <p>Did you know you can use these accounts for much more than paying for doctor visits and prescription drugs?</p>
1108
1109    <p>Common eligible items that might be on your shopping list include:</p>
1110
1111    <ul>
1112        	<li>First aid and wound care supplies, including bandages, gauze and antibiotic cream</li>
1113        	<li>Over-the-counter (OTC) medication for cold, flu and headache relief</li>
1114        	<li>Menstrual hygiene products</li>
1115        	<li>Sunscreen and sunburn care ointments</li>
1116        	<li>Nasal spray and other allergy medication</li>
1117        	<li>Diabetic supplies, like glucose monitors and test strips</li>
1118        	<li>Nicotine gum or patches for support quitting tobacco</li>
1119    </ul>
1120
1121    <p>You have a lot of options — some more unexpected than others. Some unique eligible expenses you might consider include prescription sunglasses, the OURA ring and orthopedic shoe inserts. <a rel="noopener noreferrer" href="https://now.optum.com/qualified-expenses" target="_blank">Use this tool</a> from Optum Financial to browse qualifying products and services — and even buy them, on the spot!</p>
1122  </div>
1123</div>
1124
1125<div class="ct-hover-card-ctr module-ctr">
1126
1127  <div class="ct-hover-card card">
1128    <div class="ct-hover-card-title">
1129      <p class="ct-hover-card__header"> Health Savings Account (HSA) </p>
1130      <p class="ct-hover-card__subheader">if you enroll in the High Deductible Plan with HSA</p>
1131    </div>
1132    <div class="ct-hover-card-section">
1133     
1134    </div>
1135    <div class="ct-hover-card-footer"> <a href="/Savings-Pay/Savings-and-Spending-Accounts#HealthSavingsAccountHSA" class="ct-hover-card__btn btn">Learn more</a>  
1136      </div>
1137  </div>
1138  <div class="ct-hover-card card">
1139    <div class="ct-hover-card-title">
1140      <p class="ct-hover-card__header"> Limited Purpose Health Care Spending Account (LPSA) </p>
1141      <p class="ct-hover-card__subheader">if you enroll in the High Deductible Plan with HSA</p>
1142      </div>
1143    <div class="ct-hover-card-section">
1144     
1145    </div>
1146    <div class="ct-hover-card-footer"> <a href="/Savings-Pay/Savings-and-Spending-Accounts#LimitedPurposeHealthCareSpendingAccount" class="ct-hover-card__btn btn">Learn more</a>
1147    </div>
1148  </div>
1149  <div class="ct-hover-card card">
1150    <div class="ct-hover-card-title">
1151      <p class="ct-hover-card__header"> Health Care Spending Account (HCSA) </p>
1152        <!--  <p class="ct-hover-card__subheader">if you enroll in the High Deductible Plan with HSA</p>--> 
1153      </div>
1154     <div class="ct-hover-card-section">
1155     
1156    </div>
1157      <div class="ct-hover-card-footer">  <a href="/Savings-Pay/Savings-and-Spending-Accounts#HealthCareSpendingAccount" class="ct-hover-card__btn btn">Learn more</a> 
1158    </div>
1159  </div>
1160  <div class="ct-hover-card card">
1161    <div class="ct-hover-card-title">
1162      <p class="ct-hover-card__header"> Dependent Day Care Spending Account (DCSA) </p>
1163        <!--  <p class="ct-hover-card__subheader">if you enroll in the High Deductible Plan with HSA</p>--> 
1164      </div>
1165      <div class="ct-hover-card-section ">
1166        
1167    </div>
1168      <div class="ct-hover-card-footer"> <a href="/Savings-Pay/Savings-and-Spending-Accounts#DependentDayCareSpendingAccount" class="ct-hover-card__btn btn">Learn more</a> 
1169    </div>
1170  </div>
1171  <div class="ct-hover-card card">
1172    <div class="ct-hover-card-title">
1173      <p class="ct-hover-card__header"> Transportation Reimbursement Incentive Program (TRIP) </p>
1174        <!--  <p class="ct-hover-card__subheader">if you enroll in the High Deductible Plan with HSA</p>--> 
1175      </div>
1176       <div class="ct-hover-card-section ">
1177       
1178    </div>
1179      <div class="ct-hover-card-footer"> <a href="/Savings-Pay/Savings-and-Spending-Accounts#TransportationReimbursementIncentiveProgram" class="ct-hover-card__btn btn">Learn more</a> </div>
1180    </div>
1181  </div>
1182        </div>
1183</section><section class="section">
1184    <div class="anchor" id="HealthSavingsAccountHSA">
1185        <h2 class="section-title">Health Savings Account (HSA)</h2>
1186    </div>
1187        <div class="sectionBody">
1188            <p>When you enroll in the <a href="/Health/Medical#HighDeductiblePlanwithHSA">High Deductible Plan with HSA</a>, you can open an HSA. The HSA is designed to be used in conjunction with the High Deductible Plan with HSA to pay for eligible health care expenses that the Plan does not cover with tax-free dollars, including your deductible. Citi will contribute money into your HSA each year that you are eligible, if you open an HSA by the deadlines noted 
1188in the “Build It.” dropdown in the How the HSA Works section below.</p>
1189<p>In addition to the HSA, you may choose to contribute to a <a href="/Savings-Pay/Savings-and-Spending-Accounts#LimitedPurposeHealthCareSpendingAccount">Limited Purpose Health Care Spending Account (LPSA)</a> for qualified dental, vision and preventive medical care expenses only.</p>
1190<p>An HSA offers three tax advantages:</p>
1191<ol>
1192  <li>The money you and Citi (if eligible) contribute to the account is tax-free.</li>
1193  <li>Your HSA earns interest tax-free. With a minimum of $1,500, you can invest your HSA. Any related investment earnings are tax-free as well.</li>
1194  <li>When you pay for qualified health expenses with the money in your HSA, your withdrawals are tax-free.</li>
1195</ol>
1196<div class="ct ct--alt-1 module-ctr">
1197  <div class="ct__header"> <span class="ct__icon"> <i class="fa-fw far fa-clipboard-list-check"></i> </span>
1198    <p class="ct__headline">You Must Be Eligible to Contribute to an HSA</p>
1199  </div>
1200  <div class="ct__content">
1201    <p>You can open an HSA if you meet all the following criteria:</p>
1202    <ul>
1203      <li>You are covered under the Citi High Deductible Plan with HSA.</li>
1204      <li>You do not have other health coverage, including a Health Care Spending Account, except what is permitted under “other health coverage.” (i.e. limited purpose health care spending account)</li>
1205      <li>You are not enrolled in Medicare Part A &amp; B or Medicaid.</li>
1206      <li>You are not claimed as a dependent on someone else’s tax return.</li>
1207    </ul>
1208  </div>
1209</div>
1210<h3 class="section-header">How the HSA Works</h3>
1211<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1212<div class="ct__header"> <span class="ct__icon icon"><i class="fa-fw far fa-arrow-alt-circle-right"></i></span>
1213  <p class="ct__headline">Start It.
1214    </p>
1215  </div>
1216  <div class="ct__content drop-hide js-dropdown">
1217    <p>To receive Citi’s contribution and to make contributions on your own behalf, you must open an HSA by accepting the terms and conditions and satisfying Citi’s policies and procedures required to establish an HSA.</p>
1218  </div>
1219</div>
1220<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1221<div class="ct__header"> <span class="ct__icon icon"><i class="fa-fw far fa-piggy-bank"></i></span>
1222  <p class="ct__headline">Build It.
1223    </p>
1224  </div>
1225  <div class="ct__content drop-hide js-dropdown">
1226    <p>You can add before-tax contributions to your HSA, up to IRS limits noted below. You can have tax-free money deducted from your pay and deposited directly into your HSA. You can change your contribution amount at any time during the plan year, so your savings can match your budget for upcoming health care expenses.</p>
1227    <p class="ct-dropdown__text">Citi contributes, too: up to $300 for Employee Only coverage and up to $600 for any other coverage category.</p>
1228    <p class="ct-dropdown__text">Establishing an HSA: Citi will make quarterly contributions of $75 (for employee only coverage) or $150 (for any other coverage level) if you meet the criteria noted on this page by the deadlines below:</p>
1229    <table class="table-primary">
1230      <thead>
1231        <tr>
1232          <th class="col-50">If You Open Your HSA by:</th>
1233          <th>You Will Begin Receiving Citi’s Contribution in:</th>
1234        </tr>
1235      </thead>
1236      <tbody>
1237        <tr>
1238          <td>4:00 p.m. ET on December 31</td>
1239          <td>January</td>
1240        </tr>
1241        <tr>
1242          <td>4:00 p.m. ET on March 31</td>
1243          <td>April</td>
1244        </tr>
1245        <tr>
1246          <td>4:00 p.m. ET on June 30</td>
1247          <td>July</td>
1248        </tr>
1249        <tr>
1250          <td>4:00 p.m. ET on September 30</td>
1251          <td>October</td>
1252        </tr>
1253      </tbody>
1254    </table>
1255  </div>
1256</div>
1257<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1258<div class="ct__header"> <span class="ct__icon icon"><i class="fa-fw far fa-credit-card"></i></span>
1259  <p class="ct__headline">Use It.
1260    </p>
1261  </div>
1262  <div class="ct__content drop-hide js-dropdown">
1263    <p>You will receive a payment card for your HSA, designed to make it easier to pay for care. Use your HSA funds to pay for eligible health care expenses, like your deductible, coinsurance and other qualified medical, dental and vision care expenses, for you and your dependents. Visit <a rel="noopener noreferrer" href="https://www.irs.gov/" target="_blank">www.irs.gov</a>&nbsp;and access Publication 502 for a list of eligible expenses. It may be benef
1263icial to pay for your health care expenses out of pocket to let your account grow. </p>
1264    <p class="ct-dropdown__text"><b>Note:</b> As part of the CARES Act, you can use your HSA for an expanded list of eligible healthcare purchases, including over-the-counter drugs, medicines not prescribed by a physician and menstrual care products. Access a detailed list of eligible expenses by clicking on “TRIP and Spending Accounts” under “Want to Get to Our Best in Class Vendors Fast?” in the upper right hand corner of <a rel="noopener noreferrer" href="http://www.totalcomponline.com" target="_blank">My Total Compensation and Benefits</a>.</p>
1265  </div>
1266</div>
1267<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1268<div class="ct__header"> <span class="ct__icon icon"><i class="fa-fw far fa-seedling"></i></span>
1269  <p class="ct__headline">Grow It.
1270    </p>
1271  </div>
1272  <div class="ct__content drop-hide js-dropdown">
1273    <p>Unused funds in your HSA will roll over to the next year. Once your balance reaches a certain amount, you may invest it, allowing it to grow over time.</p>
1274  </div>
1275</div>
1276<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1277<div class="ct__header"> <span class="ct__icon icon"><i class="fa-fw far fa-sack-dollar"></i></span>
1278  <p class="ct__headline">Keep It.
1279    </p>
1280  </div>
1281  <div class="ct__content drop-hide js-dropdown">
1282    <p>You always own the funds in your HSA. You can take the account with you if you retire or leave Citi.</p>
1283  </div>
1284</div>
1285<div class="ct ct--alt-1 module-ctr">
1286  <div class="ct__header"> <span class="ct__icon"> <i class="fa-fw far fa-chart-line"></i> </span>
1287    <p class="ct__headline">Invest in Your Future</p>
1288  </div>
1289  <div class="ct__content">
1290    <p>Consider the HSA when you are planning for retirement. The HSA has a few key advantages, including:</p>
1291    <ul>
1292      <li>Your unspent HSA dollars carry over year after year — you will never lose them because the HSA belongs to you. Your HSA can accumulate tax-free over time —  you can use any balance remaining after you terminate employment, including for health expenses in retirement.</li>
1293      <li>Your HSA balance can earn interest, and any amount above $1,500 can be invested. Any interest and investment gains you earn are tax-free, and can be withdrawn tax-free as long as the money is used to pay for qualified health care expenses. 
1294        
1295        For more information, visit the Optum Financial website via <a rel="noopener noreferrer" href="http://www.totalcomponl
1295ine.com" target="_blank">My Total Compensation and Benefits</a> or call ConnectOne at <nobr><a href="tel:1 (800) 881-3938">1 (800) 881-3938</a></nobr>. 
1296        
1297        From the ConnectOne “benefits" menu, choose the “health and insurance benefits as well as TRIP and spending accounts" option.</li>
1298    </ul>
1299    <p>Do not forget! During retirement, your HSA can be used for eligible health care expenses, tax-free.</p>
1300  </div>
1301</div>
1302<h3 class="section-header">2026 HSA Contributions</h3>
1303<table class="table-primary tablesaw tablesaw-stack" data-tablesaw-mode="stack">
1304  <thead>
1305    <tr>
1306      <th>&nbsp;</th>
1307      <th class="col-25">Employee Only</th>
1308      <th class="col-25">All Other Coverage Levels</th>
1309    </tr>
1310  </thead>
1311  <tbody>
1312    <tr>
1313      <td>Citi’s contribution</td>
1314      <td>Up to $300</td>
1315      <td>Up to $600</td>
1316    </tr>
1317    <tr>
1318      <td>Total contribution allowed by the IRS</td>
1319      <td>$4,400</td>
1320      <td>$8,750</td>
1321    </tr>
1322    <tr>
1323      <td>Amount you can contribute if you receive Citi’s entire annual contribution*</td>
1324      <td>Up to $4,100</td>
1325      <td>Up to $8,150</td>
1326    </tr>
1327  </tbody>
1328</table>
1329<p class="footnote"><em> *If you will be age 55 or older in 2026, you can contribute an additional $1,000.</em></p>
1330<h3 class="section-header">Pay with Your HSA</h3>
1331<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1332  <div class="ct__header"> <span class="ct__icon icon"><i class="fa-fw far fa-credit-card"></i></span>
1333    <p class="ct__headline">HSA Debit Card</p>
1334  </div>
1335  <div class="ct__content drop-hide js-dropdown">
1336    <p>Use your HSA debit card to pay your doctor directly (if you established an HSA and there are sufficient funds in your account).</p>
1337  </div>
1338</div>
1339<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1340  <div class="ct__header"> <span class="ct__icon icon"><i class="fa-fw far fa-hand-holding-usd"></i></span>
1341    <p class="ct__headline">Reimburse Yourself</p>
1342  </div>
1343  <div class="ct__content drop-hide js-dropdown">
1344    <p>Visit Optum Financial through <a rel="noopener noreferrer" href="http://www.totalcomponl
1344ine.com" target="_blank">My Total Compensation and Benefits</a>&nbsp;to pay claims or reimburse yourself for eligible out-of-pocket expenses from your HSA, if you established one and have sufficient funds in your account. If there is not enough money in your HSA to cover the claim, you can reimburse yourself after funds are deposited into your HSA.</p>
1345  </div>
1346</div>
1347<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1348  <div class="ct__header"> <span class="ct__icon icon"><i class="fa-fw far fa-copy"></i></span>
1349    <p class="ct__headline">File Later</p>
1350  </div>
1351  <div class="ct__content drop-hide js-dropdown">
1352    <p>Pay out of pocket and submit a reimbursement request to have funds withdrawn from your HSA at a later date. You do not have to file for reimbursement during the same year the expense was incurred.</p>
1353  </div>
1354</div>
1355<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1356  <div class="ct__header"> <span class="ct__icon icon"><i class="fa-fw far fa-wallet"></i></span>
1357    <p class="ct__headline">Pay Out of Pocket</p>
1358  </div>
1359  <div class="ct__content drop-hide js-dropdown">
1360    <p>Pay out of pocket and save your HSA balance for expenses you incur later this year or in future years.</p>
1361    <p><strong>Note:</strong> Money in an HSA grows tax-free and can be withdrawn tax-free as long as it is used to pay for qualified health-related expenses (a list of eligible expenses can be found in IRS Publication 502, available at <a rel="noopener noreferrer" href="https://www.irs.gov/" target="_blank">www.irs.gov</a>). If HSA funds are used for ineligible expenses, you will pay ordinary income tax on the amount withdrawn, plus a 20% penalty tax if you withdraw HSA funds before age 65. After age 65, you can use your HSA funds for any purpose with no penalty, but will still pay ordinary income tax.</p>
1362  </div>
1363</div>
1364<h3 class="section-header">Download the Apps</h3>
1365<p>Download the Optum Financial App for fast access to your information.</p>
1366<div class="cta-btn-ctr "> <a rel="noopener noreferrer" href="https://itunes.apple.com/us/app/mycyc/id1303691237?mt=8" target="_blank" class="btn">Download the app from the Apple store</a> <a rel="noopener noreferrer" href="https://play.google.com/store/apps/details?id=com.connectyourcare.mobile30" target="_blank" class="btn">Download the app from Google Play</a> </div>
1367<div class="ct ct--alt-1 module-ctr">
1368  <div class="ct__header"> <span class="ct__icon"> <i class="fa-fw far fa-lightbulb-dollar"></i> </span>
1369    <p class="ct__headline">Maximize Your Savings with the HSA and LPSA</p>
1370  </div>
1371  <div class="ct__content">
1372    <p>Like the LPSA, your HSA may be used for dental and vision expenses. To make the most of your HSA you might consider contributing to the <a href="/Savings-Pay/Savings-and-Spending-Accounts#LimitedPurposeHealthCareSpendingAccount">LPSA</a>, to cover dental, vision and preventive care medical expenses, and reserving your HSA balance for other or future health care expenses. This way, you can continue to save and grow your HSA through investment and interest earnings, if applicable.</p>
1373  </div>
1374</div>
1375<div class="ct ct--alt-1 module-ctr">
1376  <div class="ct__header"> <span class="ct__icon"> <i class="fa-fw far fa-exclamation"></i> </span>
1377    <p class="ct__headline">Important Tax Information</p>
1378  </div>
1379  <div class="ct__content">
1380    <p>If you enroll in the <a href="/Health/Medical#HighDeductiblePlanwithHSA">High Deductible Plan with HSA</a>&nbsp;and open a <a href="/Savings-Pay/Savings-and-Spending-Accounts#HealthSavingsAccountHSA">Health Savings Account</a>, there are also a few important tax rules you need to follow:</p>
1381    <ul>
1382      <li><strong>Do not contribute more than the annual IRS limit (including Citi’s contributions).</strong> If your contributions exceed the IRS limit, the excess amount will be subject to standard income tax rates plus a 6% penalty. However, you can remove the excess amount to avoid the penalty if you realize your mistake in time. If you submit a Distribution Request Form through Optum Financial via <a rel="noopener noreferrer" href="http://www.totalcomponl
1382ine.com" target="_blank">My Total Compensation and Benefits</a>, there is no penalty as long as the distribution is made before the tax filing deadline, which is April 15 of each year. </li>
1383      <li><strong>Save your receipts in case of an IRS audit.</strong> You are responsible for providing documentation that proves that you used your HSA only for qualified health-related expenses. If you use your HSA funds for expenses other than qualified health-related expenses, you will owe taxes on the withdrawal, as well as a 20% penalty tax on those HSA funds. If you use an outside credit card or personal cash to pay for an eligible health care expense, you can use your HSA to reimburse yourself, but make sure to keep the receipt as proof.</li>
1384      <li><strong>Disclose all HSA contributions and withdrawals on your taxes.</strong> You will need to submit Form 8889 along with your tax return. Optum Financial will provide information on HSA contributions and disbursements that you can use when filling out the form.</li>
1385    </ul>
1386    <p>Review IRS Publication 969, available at <a rel="noopener noreferrer" href="https://www.irs.gov" target="_blank">www.irs.gov</a> for detailed information about HSA qualifications, contributions and distributions, and how your HSA contributions will affect your tax return.</p>
1387  </div>
1388</div>
1389        </div>
1390</section><section class="section">
1391    <div class="anchor" id="HealthCareSpendingAccount">
1392        <h2 class="section-title">Health Care Spending Account</h2>
1393    </div>
1394        <div class="sectionBody">
1395            <p>The Health Care Spending Account (HCSA) can be used to pay for health care expenses for you and your family that are not paid by any medical, dental or vision plan. You can contribute as long as you are not enrolled in the High Deductible Plan with HSA.</p>
1396<p>The HCSA has the following features:</p>
1397<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1398  <div class="ct__header">
1399    <span class="ct__icon icon"><i class="fa-fw far fa-piggy-bank"></i></span>
1400    <p class="ct__headline">Contribute to the Account</p>
1401  </div>
1402  <div class="ct__content drop-hide js-dropdown">
1403    <p>You can contribute between $120 and $3,400 for 2026. You have access to the entire amount elected for the year starting with your first day of coverage. </p>
1404  </div>
1405</div>
1406<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1407  <div class="ct__header">
1408    <span class="ct__icon icon"><i class="fa-fw far fa-file-invoice-dollar"></i></span>
1409    <p class="ct__headline">Pay for Qualified Health Care Expenses</p>
1410  </div>
1411  <div class="ct__content drop-hide js-dropdown">
1412    <p>The HCSA can be used for qualified health care expenses, including, but not limited to:</p>
1413    <ul>
1414      <li>Doctor visit copays</li>
1415      <li>Prescription drugs</li>
1416      <li>Vision care expenses, such as exams, prescription eyeglasses and sunglasses</li>
1417      <li>Physical therapy</li>
1418<li>Menstrual care products</li>
1419<li>Over-the-counter drugs</li>
1420    </ul>
1421    <p class="ct-dropdown__text">Visit <a rel="noopener noreferrer" href="https://www.irs.gov" target="_blank">www.irs.gov</a> and access Publication 502 for a complete list of eligible expenses.</p>
1422
1423  </div>
1424</div>
1425<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1426  <div class="ct__header">
1427    <span class="ct__icon icon"><i class="fa-fw far fa-credit-card"></i></span>
1428    <p class="ct__headline">Easy to Use</p>
1429  </div>
1430  <div class="ct__content drop-hide js-dropdown">
1431    <p>You receive a payment card to pay for eligible expenses. Use it to pay for eligible services at the doctor's office, pharmacy or other providers. You also have the option of paying out of pocket for medical care and later filing a claim on the Optum Financial website available through <a rel="noopener noreferrer" href="http://www.totalcomponl
1431ine.com" target="_blank">My Total Compensation and Benefits</a>.</p>
1432  </div>
1433</div>
1434<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1435  <div class="ct__header">
1436    <span class="ct__icon icon"><i class="fa-fw far fa-exclamation"></i></span>
1437    <p class="ct__headline">“Use It or Lose It”</p>
1438  </div>
1439  <div class="ct__content drop-hide js-dropdown">
1440    <p>The HCSA is a spending account subject to the “use it or lose it” rule under the Internal Revenue Code. This means that you must incur eligible expenses each year to use the HCSA balance because it cannot be rolled over and used the next year.</p>
1441    <p class="ct-dropdown__text">As you are determining how much to contribute to an HCSA, plan accurately using the planning tools on Your Benefits Resources™ (YBR™) found on <a rel="noopener noreferrer" href="http:/www.totalcomponline.com" target="_blank">My Total Compensation and Benefits</a> because any balance remaining unused by December 31, is subject to forfeiture. As such, you should think carefully about your health care needs for the coming year before electing your contribution amount.</p>
1442  </div>
1443</div>
1444<div class="ct ct--alt-1 module-ctr">
1445  <div class="ct__header">
1446    <span class="ct__icon">
1447    <i class="fa-fw far fa-lightbulb-on"></i>
1448    </span>
1449    <p class="ct__headline">Reminder</p>
1450  </div>
1451  <div class="ct__content">
1452    <p>You must file claims and provide supporting documentation for expenses. Any outstanding issues related to such expenses must be resolved no later than June 30 of the following plan year. To file a claim, log on to the Optum Financial website through <a rel="noopener noreferrer" href="http://www.totalcomponl
1452ine.com" target="_blank">My Total Compensation and Benefits</a>.</p>
1453  </div>
1454</div>
1455<h3 class="section-title">Download the Apps</h3>
1456<p>Download the Optum Financial App for fast access to your information.</p>
1457<div class="cta-btn-ctr "><a rel="noopener noreferrer" href="https://itunes.apple.com/us/app/mycyc/id1303691237?mt=8" target="_blank" class="btn">Download the app from the Apple store</a>  <a rel="noopener noreferrer" href="https://play.google.com/store/apps/details?id=com.connectyourcare.mobile30" target="_blank" class="btn">Download the app from Google Play</a></div>
1458        </div>
1459</section><section class="section">
1460    <div class="anchor" id="LimitedPurposeHealthCareSpendingAccount">
1461        <h2 class="section-title">Limited Purpose Health Care Spending Account
1462</h2>
1463    </div>
1464        <div class="sectionBody">
1465            <p>The Limited Purpose Health Care Spending Account (LPSA) can be used to pay for vision, dental and preventive care medical expenses for you and your family that are not paid by any medical, dental or vision plan or your Health Savings Account (HSA). <strong>Remember:</strong> The LPSA can only be used with the <a href="/Health/Medical#HighDeductiblePlanwithHSA">High Deductible Plan with HSA</a>&nbsp;and <a href="/Savings-Pay/Savings-and-Spending-Accounts#HealthSavingsAccountHSA">Health Savings Account (HSA)</a>.</p>
1466<p>The LPSA has the following features:</p>
1467<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1468  <div class="ct__header">
1469    <span class="ct__icon icon"><i class="fa-fw far fa-piggy-bank"></i></span>
1470    <p class="ct__headline">Contribute to the Account</p>
1471  </div>
1472  <div class="ct__content drop-hide js-dropdown">
1473    <p>You can contribute between $120 and $3,400 for 2026. You have access to the entire amount elected for the year starting with your first day of coverage. You can only increase, decrease or stop your contributions during the year if you experience certain qualified changes in status.</p>
1474  </div>
1475</div>
1476<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1477  <div class="ct__header">
1478    <span class="ct__icon icon"><i class="fa-fw far fa-file-invoice-dollar"></i></span>
1479    <p class="ct__headline">Pay for Qualified Expenses</p>
1480  </div>
1481  <div class="ct__content drop-hide js-dropdown">
1482    <p>The LPSA can only be used for qualified dental and vision care expenses which include, but are not limited to:</p>
1483    <ul>
1484      <li>Preventive care</li>
1485      <li>Dental cleanings and fillings</li>
1486      <li>Orthodontia</li>
1487      <li>Eye exams</li>
1488      <li>Prescription eyeglasses and sunglasses</li>
1489      <li>Prescription contact lenses</li>
1490      <li>Laser surgery&nbsp;</li></ul></div>
1491</div>
1492<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1493  <div class="ct__header">
1494    <span class="ct__icon icon"><i class="fa-fw far fa-credit-card"></i></span>
1495    <p class="ct__headline">Easy to Use</p>
1496  </div>
1497  <div class="ct__content drop-hide js-dropdown">
1498    <p>You receive a payment card to pay for eligible expenses. Use it to pay for eligible services at the doctor's office, pharmacy or other providers. You may also pay out of pocket for care and later file a claim on the Optum Financial website available through <a rel="noopener noreferrer" href="http://www.totalcomponl
1498ine.com" target="_blank">My Total Compensation and Benefits</a>. </p>
1499  </div>
1500</div>
1501<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1502  <div class="ct__header">
1503    <span class="ct__icon icon"><i class="fa-fw far fa-exclamation"></i></span>
1504    <p class="ct__headline">“Use It or Lose It”</p>
1505  </div>
1506  <div class="ct__content drop-hide js-dropdown">
1507    <p>The LPSA is a spending account subject to the IRS “use it or lose it” rule. This means that you must spend your balance each year because it cannot be rolled over into the next year.</p>
1508    <p class="ct-dropdown__text">As you are determining how much to contribute to an LPSA, be sure to plan accurately using the planning tools on Your Benefits Resources™ (YBR™) found on <a rel="noopener noreferrer" href="http://www.totalcomponline.com" target="_blank">My Total Compensation and Benefits</a>. You will forfeit any unused funds by December 31, so think carefully about your health care needs for the coming year before electing your contribution.</p>
1509  </div>
1510</div>
1511<div class="ct ct--alt-1 module-ctr">
1512  <div class="ct__header">
1513    <span class="ct__icon">
1514    <i class="fa-fw far fa-lightbulb-on"></i>
1515    </span>
1516    <p class="ct__headline">Reminder</p>
1517  </div>
1518  <div class="ct__content">
1519    <p>You must file claims and provide supporting documentation for expenses. Any outstanding issues related to such expenses must be resolved no later than June 30 of the following plan year. To file a claim, log on to the Optum Financial website through <a rel="noopener noreferrer" href="http://www.totalcomponl
1519ine.com" target="_blank">My Total Compensation and Benefits</a>.</p>
1520  </div>
1521</div>
1522<h3 class="section-title">Download the Apps</h3>
1523<p>Download the Optum Financial App for fast access to your information.</p>
1524<div class="cta-btn-ctr "><a rel="noopener noreferrer" href="https://itunes.apple.com/us/app/mycyc/id1303691237?mt=8" target="_blank" class="btn">Download the app from the Apple store</a> <a rel="noopener noreferrer" class="btn" href="https://play.google.com/store/apps/details?id=com.connectyourcare.mobile30" target="_blank">Download the app from Google Play</a></div>
1525        </div>
1526</section><section class="section">
1527    <div class="anchor" id="DependentDayCareSpendingAccount">
1528        <h2 class="section-title">Dependent Day Care Spending Account
1529</h2>
1530    </div>
1531        <div class="sectionBody">
1532            <p>The Dependent Day Care Spending Account (DCSA) can be used to pay for certain dependent day care expenses so that you (and your spouse, if applicable) can work or look for work. Note: The DCSA cannot be used to pay for health care expenses for your dependents.</p>
1533<p>The DCSA has the following features:</p>
1534<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1535  <div class="ct__header">
1536    <span class="ct__icon icon"><i class="fa-fw far fa-piggy-bank"></i></span>
1537    <p class="ct__headline">Contribute to the Account</p>
1538  </div>
1539  <div class="ct__content drop-hide js-dropdown">
1540    <p>In 2026, you can contribute up to the below limits on a before-tax basis to reimburse yourself for day care expenses for qualified dependents so that you (and your spouse, if you are married) can work or look for work:</p>
1541<ul>
1542<li><strong>Single parents or married couples filing joint tax returns:</strong> Between $120 and $7,500</li>
1543<li><strong>Married couples filing separate tax returns:</strong> Between $120 and $3,750 </li>
1544</ul>
1545  </div>
1546</div>
1547<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1548  <div class="ct__header">
1549    <span class="ct__icon icon"><i class="fa-fw far fa-file-invoice-dollar"></i></span>
1550    <p class="ct__headline">Pay for Qualified Expenses</p>
1551  </div>
1552  <div class="ct__content drop-hide js-dropdown">
1553    <p>Examples of eligible dependent day care expenses include:</p>
1554    <ul>
1555      <li>Care at a licensed nursery school, day camp (including specialty camps) or day care center</li>
1556      <li>Services from individuals who provide dependent day care inside or outside your home, unless the provider is your spouse, your own child under age 19 or any other dependent</li>
1557      <li>After-school care for children under age 13 </li>
1558      <li>Household services related to the care of an elderly or disabled adult who lives with you</li>
1559      <li>A care provider’s expenses for the transportation between your house and the place that provides day care services</li>
1560    </ul>
1561    <p><strong>Note:</strong> You cannot use the DCSA to reimburse yourself for your dependent children's health care expenses. Use the <a href="/Savings-Pay/Savings-and-Spending-Accounts#HealthCareSpendingAccount">HCSA</a> or <a href="/Savings-Pay/Savings-and-Spending-Accounts#LimitedPurposeHealthCareSpendingAccount">LPSA</a> for eligible health care expenses.</p>
1562  </div>
1563</div>
1564<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1565  <div class="ct__header">
1566    <span class="ct__icon icon"><i class="fa-fw far fa-laptop"></i></span>
1567    <p class="ct__headline">Easy to Use</p>
1568  </div>
1569  <div class="ct__content drop-hide js-dropdown">
1570    <p>You can submit a claim for eligible expenses online on the Optum Financial web site, available through <a rel="noopener noreferrer" href="http://www.totalcomponl
1570ine.com" target="_blank">My Total Compensation and Benefits</a>, or you can submit a paper claim to Optum Financial using the Dependent Day Care Account Claim and Provider Documentation Form. The claim-filing instructions are on the Optum Financial website and the Dependent Day Care Account Claim and Provider Documentation Form.</p>
1571  </div>
1572</div>
1573<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1574  <div class="ct__header">
1575    <span class="ct__icon icon"><i class="fa-fw far fa-exclamation"></i></span>
1576    <p class="ct__headline">“Use It or Lose It”</p>
1577  </div>
1578  <div class="ct__content drop-hide js-dropdown">
1579    <p>The DCSA is a spending account subject to the IRS “use it or  lose it” rule. This means that you must incur eligible expenses each year to  use the DCSA balance because it cannot be rolled over and used the next year.</p>
1580    <p>As you are determining how much to contribute to an DCSA,  plan accurately using the planning tools on Your Benefits Resources™ (YBR™)  found on <a rel="noopener noreferrer" href="http://www.totalcomponl
1580ine.com" target="_blank">My Total Compensation and Benefits</a> because any balance remaining unused by  December 31, is subject to forfeiture. </p>
1581   
1582  </div>
1583</div>
1584<div class="ct ct--alt-1 module-ctr">
1585  <div class="ct__header">
1586    <span class="ct__icon">
1587    <i class="fa-fw far fa-lightbulb-on"></i>
1588    </span>
1589    <p class="ct__headline">Reminder</p>
1590  </div>
1591  <div class="ct__content">
1592    <p>You must file DCSA claims and provide supporting documentation for expenses. Any outstanding issues related to such expenses must be resolved no later than June 30 of the following plan year. To file a claim, log on to the Optum Financial website through <a rel="noopener noreferrer" href="http://www.totalcomponline.com" target="_blank">My Total Compensation and Benefits</a>.</p>
1593  </div>
1594</div>
1595        </div>
1596</section><section class="section">
1597    <div class="anchor" id="TransportationReimbursementIncentiveProgram">
1598        <h2 class="section-title">Transportation Reimbursement Incentive Program
1599</h2>
1600    </div>
1601        <div class="sectionBody">
1602            <p>The Transportation Reimbursement Incentive Program (TRIP) lets you use pre-tax dollars pay for the cost of public transportation and parking so you can commute to and from work. You can elect to participate in:</p>
1603<ul>
1604  <li><strong>A Transit Account:</strong> to pay for eligible transit expenses, such as subway, train, ferry and bus fares, as well as vanpooling.</li>
1605  <li><strong>A Parking Account:</strong> to pay for parking on or near Citi's business location from which you commute to work by mass transit, vanpool or carpool.</li>
1606</ul>
1607<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1608  <div class="ct__header">
1609    <span class="ct__icon icon"><i class="fa-fw far fa-clipboard-list-check"></i></span>
1610    <p class="ct__headline">Program Eligibility</p>
1611  </div>
1612  <div class="ct__content drop-hide js-dropdown">
1613    <p> You are eligible to enroll in TRIP if:</p>
1614    <ul>
1615      <li>You commute to work by public transportation (bus, subway, train, ferry or van pool) or you commute to work by car and have out-of-pocket parking expenses</li>
1616      <li>You do not participate in another Company-sponsored parking or mass transit program</li>
1617    </ul>
1618  </div>
1619</div>
1620<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1621  <div class="ct__header">
1622    <span class="ct__icon icon"><i class="fa-fw far fa-credit-card"></i></span>
1623    <p class="ct__headline">How the Program Works</p>
1624  </div>
1625  <div class="ct__content drop-hide js-dropdown">
1626    <p>TRIP allows you to purchase transit and parking passes, up to $340, online so you can commute to and from work. The first $340 of your transit and/or parking pass will be deducted from your pay before taxes are withheld. Any amount of your transit pass or parking pass that exceeds $340 will be deducted from your pay after taxes are withheld.</p>
1627    <p>You receive a payment card to pay for eligible expenses when you make your monthly elections. You can swipe that card, like a debit card, to pay for transit and parking expenses, or you can also pay out of pocket and later file a claim on the Optum Financial website available through <a rel="noopener noreferrer" href="http://www.totalcomponl
1627ine.com" target="_blank">My Total Compensation and Benefits</a>. </p>
1628  </div>
1629</div>
1630
1631<div class="ct ct--alt-2 ct-dropdown js-ct-dropdown module-ctr">
1632  <div class="ct__header">
1633    <span class="ct__icon icon"><i class="fa-fw far fa-phone-laptop"></i></span>
1634    <p class="ct__headline">How to Enroll and Make Updates</p>
1635  </div>
1636  <div class="ct__content drop-hide js-dropdown">
1637    <p>You can enroll in TRIP on the Optum Financial website, available as a link from <a rel="noopener noreferrer" href="http://www.totalcomponline.com" target="_blank">My Total Compensation and Benefits</a>. You do not need to wait until Annual Enrollment to enroll in TRIP. The deadline to enroll or change your TRIP participation is generally the 10<sup>th</sup> of every month for participation that begins the 1<sup>st</sup> of the following month. Your next months' commuter funds will be available up to one week before the start of the month, as long as you enroll/update your election by the by the 10<sup>th</sup>. If you miss the deadline, your enrollment/change will be effective the following month.</p>
1638
1639<p><strong>Note:</strong> For some transportation authorities, such as the Long Island Railroad and Metro-North Railroad, the deadline to enroll or change your TRIP participation is the 4<sup>th</sup> of every month (rather than the 10<sup>th</sup> of every month).</p>
1640  </div>
1641</div>
1642        </div>
1643</section></section>
1644
1645<aside class="content-grid__child-c content-aside">
1646    <article class="section article-stick">
1647	<div class="liteFullWrapper">    
1648
1649	</div>
1650	<div class="liteFull_sectionsDropdown_wrapper">
1651
1652<label for="liteFull_sectionsSelect">
1653		<select id="liteFull_sectionsSelect" class="section_only" title="Jump to a section">
1654                          <option value="#">Sections</option>
1655                                   <option value="#Overview">Overview</option>
1656                                   <option value="#HealthSavingsAccountHSA">Health Savings Account (HSA)</option>
1657                                   <option value="#HealthCareSpendingAccount">Health Care Spending Account</option>
1658                                   <option value="#LimitedPurposeHealthCareSpendingAccount">Limited Purpose Health Care Spending Account
1659</option>
1660                                   <option value="#DependentDayCareSpendingAccount">Dependent Day Care Spending Account
1661</option>
1662                                   <option value="#TransportationReimbursementIncentiveProgram">Transportation Reimbursement Incentive Program
1663</option>
1664                </select>
1665</label>
1666
1667	</div>
1668</article>
1669    <article class="section article-stick">
1670        <div class="sbs_wrapper">
1671            <div class="sbs">
1672                    <div class="sbs_header">
1673                        <div class="sbs_header_group" id="sbs_header_group_contacts">
1674                            <a class="sbs_header_item" id="sbs_header_item_contacts_1" onclick="sbs_headerItem_toggle(this)">
1675                                <i class='fa fa-address-card'></i><span>Contacts</span>
1676                            </a>
1677                        </div>
1678                    </div>
1679                
1680<div class="sbs_body">
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1687                        </i>
1688                        <span class="sbs_body_item_title_label">Optum Financial</span>
1689                        <button class="btn tiny prevButton" aria-label="Previous item" onclick="sbs_bodyItem_prev()">
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1697                        </button>
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1699                    <div class="contact-details">
1700                        <p>
1701                            <i class="fa fa-fw fa-laptop"></i>
1702                            <a href="http://www.totalcomponline.com/" target="_blank">Website</a>
1703                        </p>
1704                        <p>
1705                            <i class="fa fa-fw fa-phone"></i>
1706                            <a href="tel:1 (800) 881-3938" target="_blank">1 (800) 881-3938</a>
1707                        </p>
1708                    </div>
1709                    <div class="contact-xinfo">
1710                        Savings and spending accounts
1711                    </div>
1712                </div>
1713            </div>
1714        </div>
1715    </div>
1716</div>
1717<div class="sbs_footer">
1718    <div class="sbs_footer_group" id="sbs_footer_group_contacts">
1719        <a class="sbs_footer_item" data-id="46491030-69ab-459e-bd8a-0ff657c9d394" data-activity="" onclick="sbs_footerItem_toggle(this)">
1720            <i class="fa fa-address-card"></i><span>Optum Financial</span>
1721        </a>
1722    </div>
1723</div>
1724                    <div class="sbs_header">
1725                        <div class="sbs_header_group" id="sbs_header_group_docs">
1726                            <a class="sbs_header_item" id="sbs_header_item_docs_1" onclick="sbs_headerItem_toggle(this)">
1727                                <i class='fa fa-file'></i><span>Documents</span>
1728                            </a>
1729                        </div>
1730                    </div>
1731                
1732<div class="sbs_body">
1733    <div class="sbs_body_group" id="sbs_body_group_docs">
1734    </div>
1735</div>
1736<div class="sbs_footer">
1737    <div class="sbs_footer_group" id="sbs_footer_group_docs">
1738        <ul class="fa-ul">
1739            <li>
1740                <a href="/-/media/Mercer/CitiBenefits/Documents/Optum-DCAP_Claim_Form.pdf?rev=c19044d0905444b58e20d2bd40cb7518&hash=E56056CD67474679051163EB39A206EF" target="_blank" data-activity="">
1741                    <span class="fa-li"><i class="fal fa-angle-right"></i></span>
1742                    Dependent Care Spending Account Claim Form
1743                </a>
1744            </li>
1745            <li>
1746                <a href="/-/media/Mercer/CitiBenefits/Documents/Optum-FSA_LPFSA_Claim_Form_003.pdf?rev=9a8db6c7e6884ff3815c6ebfd3508b74&hash=F5A25656BDC21F25A627F2344E82DA06" target="_blank" data-activity="">
1747                    <span class="fa-li"><i class="fal fa-angle-right"></i></span>
1748                    HCSA and LPSA Claim Form
1749                </a>
1750            </li>
1751            <li>
1752                <a href="/-/media/Mercer/CitiBenefits/Documents/Optum-HSA_Claim_Form.pdf?rev=6b6002032f9c4d2f9b8f6c2465f7f2be&hash=42E2B822838530606A4F225600F96CFB" target="_blank" data-activity="">
1753                    <span class="fa-li"><i class="fal fa-angle-right"></i></span>
1754                    HSA Claim Form
1755                </a>
1756            </li>
1757            <li>
1758                <a href="/-/media/Mercer/CitiBenefits/Documents/TRIP-Claim-Form.pdf?rev=4ef285a8e03947068aa6125d0dd56331&hash=C9C2740B66CED9F576972DEB0F01A265" target="_blank" data-activity="">
1759                    <span class="fa-li"><i class="fal fa-angle-right"></i></span>
1760                    Transportation Reimbursement Incentive Program (TRIP) Claim Form
1761                </a>
1762            </li>
1763        </ul>
1764    </div>
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