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  1. What is Covered Under My Medical FSA/HSA?

    Eligible medical expenses are those incurred primarily to alleviate or prevent a physical or mental defect or illness. They do not include expenses that are merely beneficial to general health, such as vitamins or a vacation. Qualified medical exp...
  2. Dependent Care FSA After Leaving an Employer

    Your Dependent Care FSA is directly linked to your employment status. However, unlike the Medical FSA, Dependent Care expenses incurred after the date of separation are able to be reimbursed up to the the plan year end. You are able to submit q...
  3. Eligible Dependent Care Expenses

    Dependent Care Expenses  Eligible Expenses  Ineligible Expenses Day care Nursery school Day camp Babysitters Elder care Caregivers for a disabled spouse or dependent who lives with the participant Babysitti...
  4. Dependent Eligibility for Divorced or Separated Parents

    If you are divorced or separated from your spouse and are a parent, IRS guidelines state that even if you cannot claim your child as a dependent, he or she is treated as a qualifying person if:  The child was under age 13 or was not physically or ...
  5. Changing Plan Contribution Amounts

    In general, you are not able to change your contribution amounts once the plan year has commenced. All elections must be made during the open enrollment period for your plan. You may only change your election during the plan year if you can demonstr...
  6. Setup Your HSA Investments

    You will need to maintain a minimum of $2000.00 in the default cash investment. Once your balance is above the required minimum you may elect to move some of your funds into the investment options available within your plan.  In order to set up your...
  7. HSA Investment Options

    The Sentinel HSA is a simple way to create a smart HSA investment strategy. Once your account balance exceeds $2,000, you may allocate HSA funds to other investment options. We offer a choice of select investments options providing a broad range o...
  8. Contributions to Plan After Termination

    While you may no longer contribute to your employer sponsored 401(k) or 403(b) plan once you leave  the company, your employer, in most cases, is still obligated to maintain it for  your benefit. There are some exceptions. If your company reti...
  9. Loan Repayments

    If you decide to take a loan from your retirement plan, repayments will be made through payroll deductions. Your payment amount will be determined by the length of the loan and the frequency of your payroll.  If you choose to repay your loan earl...
  10. Beneficiary Designation

    A beneficiary is any person, trust, or entity that is designated by the financial account holder to receive some portion of the assets in the account after he or she dies. A primary beneficiary is simply first in line to receive the assets in th...