Dependent Care FSA
You can contribute up to $7,500 per year of pretax dollars to pay for dependent care expenses, such as daycare costs. (If you're married and file separate tax returns, the maximum amount you can contribute each year is $3,750.) Your contributions are deposited in your FSA each pay date. To utilize your account, you just submit a claim to be reimbursed. Note, you cannot contribute to or claim Dependent Care FSA expenses for services incurred while on Leave of Absence.
File a 2025 Claim
You have 120 days from the end of the 12/31/25 plan year to submit claims for reimbursement. This can be done by downloading the Smart-Choice App, available in the Apple or Google Play Store. Use the same username and password for logging into the Benefits Portal. You can also log in to your Smart-Choice Account.
New 2026 MyChoice Accounts Dependent Care FSA Key features
You can use your MyChoice® Accounts Dependent Care Flexible Spending Account (DCFSA) to pay for eligible dependent care expenses throughout the year. DCFSA covers expenses for providing care for a child under the age of 13 and/or a dependent adult (i.e., disabled spouse or child, dependent parents). Expenses are for care provided in order for the employee to attend or seek work.
Key features
- Tax-free money: Money goes in tax-free and comes out tax-free when used for eligible expenses.
- Convenient payroll deductions: Contribute to your accounts easily and effortlessly.
- Helpful budgeting tool: Plan for future expenses by setting aside money each paycheck.
- Active enrollment required: You must re-enroll in your DCFSA each year to continue participating.
- "Use it or lose it": If you do not use all the funds in your DCFSA by the end of the plan year, you will lose them. So be sure you are using your DCFSA to the fullest advantage!
Please note that the IRS sets limits on the amount you can contribute to an DCFSA each year. Consider this carefully when setting your contribution amount to ensure you take full advantage of the pre-tax benefits!
To learn more about FSAs and how to use them, review the MyChoice Accounts FSA FAQ.
| 2026 Contribution Limits | Family: $7,500 | Married, filing separately: $3,750 |
Few things about FSAs…
- Your contributions are deducted from your pay before taxes are taken out, lowering your taxable income.
- You need to re-enroll in the Dependent Care FSA each year, your benefit election does not rollover from year to year.
- You must use the money in your FSA accounts each year, otherwise you lose it. Please plan carefully to determine how much you want to put in.
Eligible Childcare Providers
- Private sitters
- Licensed daycare centers
- An in-home provider, as long as the care provider is not your spouse, the child's guardian or parent, your child under 19 and/or someone you claim as a dependent for tax purposes
Qualified Dependents
- Children under age 13 whom you claim as dependents for tax purposes
- Your spouse or other dependent who is physically or mentally unable to care for themselves.
- Elderly parent who spends at least eight hours a day in your home and whom you can claim as a dependent.
You need to re-enroll in the Dependent Care FSA each year.
Eligibility
Eligible dependents include children under age 13 whom you claim as dependents for tax purposes, or your spouse or other dependent who is physically or mentally unable to care for themselves.
You may also claim expenses for the care of an elderly parent who spends at least eight hours a day in your home and whom you can claim as a dependent.
Provider Contact
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