Flexible Spending Arrangements (FSA)

Am I eligible?

The FSA and Limited Purpose FSA are offered to school employees eligible for SEBB benefits.

When your employment ends, you retire, or you go on unpaid leave — that is not approved Family and Medical Leave Act (FMLA) or military leave — you can no longer contribute to your FSA.

Qualifying events

A participant, their spouse, or qualified dependent may choose to continue the FSA if one or more of the following qualifying events occur:

• Death of the participant.
• Termination of the participant’s employment (other than for gross misconduct) or a reduction in hours.
• Divorce of the participant; or dissolution or termination of a state-registered domestic partnership with a domestic partner who qualified as a dependent.
• A dependent child loses eligibility for SEBB insurance coverage.
• A participant enrolls in benefits under Medicare.

When any of these occur, you or a dependent must notify Navia. If, on the date of the qualifying event, your remaining benefits for the current year are greater than your remaining contribution payments, Navia will give each eligible dependent the right to choose FSA continuation coverage. If you are eligible for this option, Navia will mail a COBRA election notice to you.

If you elect FSA continuation coverage through Navia Benefit Solutions, you must do so no later than 60 days from the date the notice of continuation rights was mailed to you.

What happens to my funds when coverage ends?

You are no longer eligible to contribute to your FSA. Eligibility ends on the last day of the month of loss of coverage or unapproved leave.

You will be able to claim expenses that happened while you were employed, unless you are eligible to continue your FSA under SEBB Continuation Coverage.

Continuation coverage through COBRA

If eligible, you may continue participating in the FSA by making post-tax contributions directly to Navia Benefit Solutions for the rest of the plan year under SEBB Continuation Coverage. Participation in the FSA would continue through December 31, or until you stop making the monthly contribution on the predetermined payment date.

If you elect FSA continuation coverage through Navia Benefit Solutions, you must do so no later than 60 days from the date the notice of continuation rights was mailed to you.

What is carryover?

If you have not spent all the funds in your FSA by December 31 — and you are still employed and didn't lose eligibility for the FSA — you may be able to take advantage of the carryover feature, where certain unspent funds may "carry over" into the following year without affecting annual maximums.

To carryover your unspent funds:

• You must enroll in either the FSA or Limited Purpose FSA for the following year, or
• Have at least $120 left in your account from the previous year.

How much can I carry over to the next plan year?

2025

Unused funds up to $660 will carry over to the 2026 plan year. Any funds above $660 will be forfeited.

2024

Unused funds up to $640 will carry over to the 2025 plan year. Any funds above $640 will be forfeited.

How do I submit claims?

When you incur an eligible expense, you can submit a claim to request reimbursement one of the ways below.

• Online: Navia Benefit Solutions for school employees
• Navia Benefits Debit Card
• Mobile App: download for iPhone or Android
• Email: Navia claims
• Fax: 1-425-451-7002 or toll-free 1-866-535-9227
• Mail: Navia Benefit Solutions, PO Box 53250, Bellevue, WA 98015-3250

When can I submit them?

You can start submitting claims on the first day of your plan year, January 1. The full amount you set aside for your FSA contribution is available on January 1.

You cannot receive reimbursement from your FSA if the date of service for the expense is during an unpaid work period when eligibility is lost. For example, if you lose eligibility starting July 1, you can only receive reimbursements for the rest of the plan year if:

• You continue making contributions directly to Navia Benefit Solutions during the months of July through December, and
• The dates of service for the expenses occur during the months you continue to contribute

If you do not make a payment on time, you may submit claims only for expenses that happened through your last active month of paid participation.

Are there deadlines?

Yes. You must incur all expenses by December 31 and submit all claims to Navia Benefit Solutions for reimbursement by March 31. If you are no longer employed or have retired and still have money left in your account, you can still submit claims for reimbursement by March 31, so long as the services took place while you were employed.