Frequently Asked Questions
Enrollment FAQs
Do I have to re-enroll every year?
If you will be:
- making no changes to current benefits;
- making no changes in dependents or dependent information;
- you do not want to change your group life insurance beneficiary; and
- you do not want to participate in a flexible spending account,
you do not need to re-enroll. Your benefits and your previous beneficiary designations will automatically continue.
What are the main differences between the three dental plans?
Texas Dental Plan is a fee for service plan. Participants pay for services according to a discounted schedule of co-pays and can use any TDP dentist at any time.
Managed DentalGuard is a dental HMO. Participants pay for services according to a schedule of co-pays and must designate a primary care dentist from a list of Managed DentalGuard participating providers.
The DentalGuard Indemnity/PPO plan is a traditional dental insurance plan. Participants pay for services according to a schedule of benefits and can use a dentist of their choice; however, if a participant uses a DentalGuard Preferred PPO dentist, discounted charges apply to the schedule of benefits.
Can I change my benefits during the year?
According to IRS guidelines, employees who participate in a benefit that is paid for with pre-tax deductions can only change their benefit elections during the plan year if they have a qualified and documented Change in Family Status.
What is the difference between an “after-tax” deduction and a “pre-tax” deduction?
A pre-tax deduction is taken from your gross before taxes are calculated: gross – payroll deductions – taxes. Pre-tax deductions reduce your taxable income, but limit your ability to make a benefit change during the year.
An after-tax deduction is taken from your gross after taxes have been calculated: gross – taxes – payroll deductions. With after-tax deductions, you lose the tax benefits but gain the ability to terminate benefits at your discretion during the year.
Please note that you only have a choice of pre-tax versus after-tax on the GISD Health Plan deduction. MetLife and Fortis are only deducted after-tax (otherwise you would be taxed on the benefits you receive from these plans). Dental, vision, and AFLAC benefits are only deducted on a pre-tax basis.
When are my benefits effective?
For current employees participating in Annual Enrollment, benefit changes are effective September 1. For new-hires, benefits are effective the first of the month following 30 days of employment. Please keep in mind, however, that Fortis and MetLife review employee applications making effective dates for these benefits subject to company approval.
Do I have to enroll for the health plan to enroll in other benefits?
No. You can enroll in any benefit or combination of benefits.
When will my benefit deductions begin?
Benefits are paid for in arrears. If a benefit is effective September 1, benefit deductions will first appear on the September paycheck(s), and so on.
What happens to my benefits if I’m not able to work and have no paycheck or my paycheck is too small?
It is the employee’s responsibility to contact the GISD Benefits Department to arrange for payment of premiums if for any reason payment through payroll deduction is not made.
Health Plan FAQs
What type of Health Plan is offered by Garland ISD?
The GISD Health Plan is a self-funded plan administered by TriSurant.
How does the plan work?
The GISD Health Plan utilizes the Texas True Choice network of physicians and other providers. This type of plan offers two levels of benefits, in-network and out-of-network. When a member uses network providers for covered services, they receive in-network benefits. This is a higher level of benefits as compared to the out-of-network benefits. When a member receives covered services from providers that are not in the network they receive out-of-network benefits. This is a lower level of benefits, which costs the member more out-of-pocket than the in-network level of benefits.
Am I required to select a primary care physician?
No. Members are not required to select a primary care physician or receive referrals from a primary care physician in order to receive in-network benefits.
Is pre-certification required for any type of services?
Yes, pre-certification is required for all inpatient hospital services and all services for the diagnosis and treatment of sleep disorders. Pre-certification can be obtained by contacting TriSurant.
Will I have to file claim forms?
Most network providers will automatically file medical claims for you. If your provider will not file for you, or if you use an out-of-network provider, a medical claim form can be accessed on the GISD intranet.
What happens the first time a claim is filed?
The first time TriSurant receives a claim for a member covered under the GISD Health Plan, TriSurant will send out a “pre-ex letter” to the member and any related medical providers. The member and the providers must reply to the letter, giving information regarding medical services the member may have obtained during the 6 month period prior to coverage on the GISD Health Plan. The claim will be pended until the necessary information is received by TriSurant.
How is a pre-existing condition covered under the GISD Health Plan?
Covered Persons will not be entitled to reimbursement for eligible medical expenses that are incurred as a result of an injury or sickness or a related injury or sickness for which the Covered Person has consulted with a physician or received any medical care, treatment or services, medication or prescriptions, during the six months before the effective date of coverage or the first day of the waiting period, whichever is earlier, until the following occurs:
- After a Covered Person (employee or dependent), has been continuously enrolled in the Plan for twelve (12) consecutive months;
- After a Late Enrollee (employee or dependent) has been continuously enrolled in the Plan for twelve (12) consecutive months.
If a condition is determined to be pre-existing, the pre-existing exclusion period will be reduced proportionately by any Creditable Coverage in effect on or after July 1, 1996, as long as there was no Significant Break in Coverage exceeding sixty-three (63) days. (Waiting periods are not considered breaks in coverage). Certificates of prior coverage must be furnished to the Plan Administrator by the Covered Person (Employee or Dependent). This Plan will assist, if necessary, in obtaining a Certificate of Creditable Coverage from your previous Employer.
Genetic information in the absence of a diagnosis of the condition is not treated as a pre-existing condition. In addition, pregnancy is not considered a pre-existing condition.
Note: Effective September 1, 2005, this Plan is obligated to comply with the state portability requirements of the Texas Education Code which requires this Plan to accept Certificates of Creditable Coverage from a prior plan to reduce the pre-existing exclusion period of this Plan.
How will I know if a claim has been processed?
TriSurant will send an Explanation of Benefits sheet (EOB) after a claim is processed. The EOB shows provider discounts, the dollar amount owed by the employee in the form of co-pays, co-insurance, and/or deductibles, and the amount paid by TriSurant to the provider. Employees should compare their EOB’s with bills from the providers to make sure the providers are billing them correctly.
Are prescription drugs covered?
Yes, prescription drug coverage is provided as part of the GISD Health Plan. Members must use participating pharmacies for the prescriptions to be covered.
How do I fill a prescription under the GISD Health Plan?
Most neighborhood pharmacies can fill prescriptions under the GISD Health Plan prescription program administered through Walgreens Health Initiatives. Pharmacies include but are not limited to CVS, Kroger, Medicine Shoppe, Minyard, Safeway, Target, Tom Thumb, Walgreen’s and WalMart. To determine if your neighborhood pharmacy belongs to the network, call 1-800-745-7182 or visit www.mywhi.com.
There is not a separate ID card for prescription drug benefits; covered participants should present the same card at the pharmacy that they present for medical services. If the pharmacy has a problem filling a prescription, there is a pharmacy help desk number on the back of the ID card that the pharmacist can call.
The co-payments at a retail pharmacy are:
30-Day Supply
Generic Prescription $ 8
Brand Name Prescription (No Generic available) $40
Brand Name Prescription (Generic available) $50
Is mail-order prescription service available?
Walgreens benefits include a mail-order prescription program as well as the Advantage90 Program. With either option a covered participant can get a 90-day supply of medication for two times the retail co-pay – basically, buy two months and get one month free.
The co-payments for mail-order prescriptions are:
90-Day Supply
Generic Prescription $ 16
Brand Name Prescription (No Generic available) $ 80
Brand Name Prescription (Generic available) $100
Who is eligible for the GISD Health Plan?
Employees and dependents must meet the following criteria to be eligible to participate in the GISD Health Plan:
EMPLOYEES: Employees are eligible if they are active contributing members of the Teacher Retirement System.
RETIREE-REHIRE EMPLOYEES: Retiree-rehire employees are eligible for the GISD State Comparable Health Plan if they are working 20 or more hours per week.
DEPENDENTS: The employee must be covered to enroll dependents. In general, dependents may be any of the following:
- Your lawful spouse
- Your unmarried children under age 19 including natural-born children; legally adopted children; permanent foster children; step-children living in your home and chiefly dependent on you for support; grandchildren you claim as dependents for federal income tax purposes. (You must complete a "Responsibility for Dependent Child” form if your dependent is a foster child, stepchild or grandchild not already covered under the Plan. You may obtain this form from the GISD Benefits Department.)
- Your unmarried children age 19 through age 24 who are full-time students at a high school or an accredited college or vocational school. College students must carry a minimum of 12 hours to be considered full-time. (You must complete a Student Dependent Form that can be found on the GISD intranet.)
- Your unmarried children who are named in a Qualified Medical Child Support Order that fully complies with federal and state law. (You must provide the GISD Benefits Department with a copy of the order.)
- Your unmarried children over age 19 who are primarily dependent on you for support and are not capable of self-sustaining employment due to a physical or mental handicap which began prior to reaching age 19 and while they were insured under the GISD Health Plan. (If you have a dependent child that falls in this category please contact the GISD Benefits Department for documentation requirements.)
Is my newborn automatically covered under the GISD Health Plan?
No. The GISD Benefits Office must be contacted within 31 days of the date of birth, even if you have coverage for other children. If the newborn is enrolled within 31 days of birth the coverage for the newborn will be effective the date of birth.
Managed Dental FAQs
Can I visit any general dentist I want under the Managed DentalGuard plan?
To have your dental services covered, you must go to the dental office that you choose when you enroll. You can find a conveniently located dentist in the Managed DentalGuard Directory of Participating General dentists. All of your dental care will be provided by, or arranged by, your selected dental office.
What if I want to change my dental office after I've picked one? Is there a limit to how many times I can change?
You can change dental offices just by calling Guardian at (888) 618-2016. The change will be effective on the first day of the next month, as long as you call before the 20th day of the month. There's no limit on the number of times you can change dental offices, but selections are always effective from the first day of a month to the last day of a month. Any services started at one dental office must be completed by that office, and your account with the first office must be paid in full before a transfer can be processed.
Does the whole family have to use the same dental office, or can my dependents choose a different one?
Each family member can enroll with a different dental office.
What if I need to see a specialist?
The Managed DentalGuard network includes oral surgeons, periodontists, endodontists, orthodontists and pediatric dental specialists. If you need dental services that only a specialist can provide, your dental office will request authorization from Guardian for you to see a participating specialist. (Usually your dental office will have the referral authorized within ten days; if it's an emergency, it is faster.) You will be responsible for the patient charge shown in your booklet for any covered services performed by a specialist dentist.
I've taken my five-year-old to a pediatric dentist. Can I do that with Managed DentalGuard?
Your child must first be seen by a general dentist at your selected dental office. If a child under age six is unmanageable, a referral to a pediatric dental specialist may be made. After the child's sixth birthday, pediatric specialty services will not be covered.
What is meant by the term "patient charge"?
With the Managed DentalGuard PPD plan, most diagnostic and preventive services are covered at no cost to you. However, for basic, major and some preventive services, you will pay a certain amount -- which is referred to as a patient charge -- for each covered service you receive. The patient charges for your PPD plan are listed in your certificate of coverage booklet, so you'll always know what you'll have to pay for services you need. Better yet, with the Managed DentalGuard plan there are no deductibles, annual maximums or co-insurance -- plus no pre-treatment reviews are required for services provided by your participating general dentist.
When I visit a dentist, are there any claim forms to fill out?
No. Under the Pre-paid plan, any necessary paperwork for services from participating dentists is handled by your selected dental office. You just show your Managed DentalGuard ID card.
What if I have a problem with my dentist, or with my coverage?
Call Managed DentalGuard Member Services and discuss your problem with the representative. He or she will work with you to help you resolve your problem. If you are still unsatisfied, you can submit a grievance form explaining the matter. Member Services, your dental office or your employer can provide a form for you to use. Guardian keeps track of all grievances, and regularly reviews grievance reports to identify potential problem areas. When will my coverage go into effect? Your benefits coordinator will notify you when your coverage takes effect.
What happens if a member wants a more expensive service than the one the plan covers, or that the dentist recommends?
Most indemnity and PPO plans cover the least expensive treatment appropriate for your condition. Even if your dentist feels a more expensive treatment would be better for you, these plans pay for the less expensive treatment, and you have to pay the difference between what the plan pays for the less expensive treatment and what the dentist charges for the more expensive treatment.
Under the Managed DentalGuard plan, the covered service that the participating dentists recommends is provided at the defined patient charge, regardless of the relative cost. So you are never caught between what your dentist recommends and what the plan covers.
If you want a more expensive, but still covered, treatment than the one that your participating dentist recommends, then you are responsible for the patient charge for the recommended service, plus the difference between the dentist's fees for the two procedures.
How are patient charges for specialty care determined?
Covered specialist services are listed in your certificate of Coverage, along with the specific patient charge for each service. You generally pay a higher patient charge when a service is performed by a specialist than if the same service were performed by a general dentist. However, unlike most plans, the Managed DentalGuard plan always tells you exactly what the patient charge for covered specialty care will be. There are some services that are not covered if performed by a specialist.
Managed DentalGuard plans have defined, a specific patient charges for covered specialty care services. Most other optional plans offer specialty care at a percentage discount off of the specialist's usually fee, which is not defined.
Indemnity Dental FAQs
What is Guardian’s DentalGuard Insurance?
An opportunity to help protect and care for your smile — and your family’s — at affordable group rates. You pay plan premiums through convenient payroll deduction.
Can I visit any dentist or specialist or only certain ones?
If you go to a DentalGuard Preferred Network Provider, the benefits described on the Benefit and Cost Summary will be paid based on a reduced fee schedule (this will mean less out-of-pocket). The network provider cannot balance bill charges in excess of the fee schedule and you get more services with your yearly maximum. If you go to a non-contracted dentist, the benefits will be based on usual, customary and reasonable rates for a given area.
What is a plan deductible and/or annual maximum?
A deductible is the dollar amount of covered dental expenses you must pay during the year before benefits are paid by The Guardian. An annual maximum is the maximum amount your dental plan will pay in benefits during the year. Both are generally based on the calendar year. Deductibles and annual maximums apply to each covered person.
What is co-insurance?
For some service categories, you may share in the cost of your dental expenses. This is represented as a percentage of the usual, customary, and reasonable level (if a non-network dentist is used) or a percentage of the negotiated fee for covered services (if a network dentist is used). The percentage of co-insurance usually depends on the type of service received: Preventive, Basic, Major, or Orthodontia.
What is a negotiated fee-for-service?
This refers to the set maximum fees for services that have been negotiated with our contracted network dentists and specialists. These average 30% less than the fees they usually charge.
What is pre-treatment review?
For all courses of treatment expected to exceed $300, your dentist should submit a report to The Guardian describing the proposed treatment and itemizing expected charges. We will review the report and send the dentist an estimate of benefits we will pay. This will help ensure that you receive the best and most appropriate treatment necessary. Emergency treatment, oral examinations, cleaning, and x-rays may be performed before the review is prepared.
When I visit a dentist, are there any claim forms to fill out?
Network dentists have contracted with The Guardian to submit claim forms and accept benefits directly from The Guardian.
Some non-network dentists may submit claims directly to The Guardian. More often, however, non-network dentists will require that you pay for services at the time they are rendered. Afterwards, complete a simple claim form and forward it to us along with a copy of your payment receipt.
How can I find a network dentist or specialist near me?
You may either refer to your DentalGuard Preferred provider directory or locate a dentist on the Internet using our on-line listing at www.glic.com.
Do all my covered family members have to go to the same network or non-network dentists?
No. In fact, if they wanted to, every family member could go to a different network or non-network dentist or specialist, every time they need care.
What does usual, customary, and reasonable mean?
Usual, customary, and reasonable (UCR) charges for covered services are determined by using the usual level of charges made by the majority of dentists in the same geographic area for the same service. If your dentist’s fee is lower than the UCR charge, the plan will pay benefits based on the actual fee. If the fee is higher, the plan will pay benefits based only on the UCR charge, and you are responsible for any amount above the UCR limit.
When will my coverage go into effect?
Your benefits coordinator will notify you when your coverage takes effect.
Group Universal Life FAQs
What’s the difference between Group Universal Life (GUL) and Term Life?
Term life is coverage that’s available for a specified period of time and designed to meet your short-term life insurance needs. (Most employer-paid life insurance is term insurance that provides coverage for the period of time you are employed by that company.) Once that time is up or you stop paying premiums, term life insurance ends. Group Universal Life (GUL) is different. It provides long-term life insurance that lets you continue coverage after you retire or leave your job. GUL coverage builds cash value if you elect to contribute money to its tax-deferred cash fund.
Is there an advantage to buying group life insurance?
Yes! It’s generally easier to get coverage because you usually don’t have to provide proof of good health for certain levels of coverage if you enroll during your eligibility period. Your cost of insurance is provided at affordable group rates. Paying is easier, and you won’t have to worry about missing payments, since it’s done through automatic payroll deductions.
What happens if I enroll after my initial eligibility period?
You can still get coverage, but you may have to complete a Statement of Health form, and perhaps have a physical exam, regardless of the coverage amount you select. In addition, you should consider obtaining insurance when you know you are in good health, and not risk having a hard time qualifying for coverage if your health changes.
How does the cash fund work?
You select a certain dollar amount to contribute through payroll deductions above the cost of your life insurance coverage. That amount is automatically put into the cash fund every pay period. The cash fund earns a competitive rate of interest that is guaranteed never to fall below a certain level. That makes GUL’s cash fund an attractive place to set aside extra funds and watch them grow on a tax-deferred basis and build cash value to help meet your long-term life insurance needs. You can also make lump sum contributions at any time ($100 minimum), subject to federal guidelines.
Can I access my cash fund before I retire?
Yes. Unlike some other tax-deferred funds, you have access to your money through loans and withdrawals, provided there is adequate cash value in your fund. You can take only one loan at a time, the minimum being $250, and there is no time limit on repayment. Before your loan check is sent to you, the amount of interest (based on Moody’s Corporate Bond Index) for the year will be deducted. However, borrowed funds will continue to be credited with interest at a rate that is approximately 2% lower than the interest rate you were charged for taking the loan. You can make as many withdrawals as you would like provided you have adequate cash value in your cash fund, each for a minimum of $250, and there are no expenses associated with a withdrawal.
How do I enroll?
Review your need for life insurance using the Life Insurance planner in the enclosed brochure or online at www.metlifeiseasier.net/na and select the benefit options on the next page that is right for you and your family. Follow the enrollment instructions on the enclosed enrollment form based on your coverage amount and return your completed and signed enrollment form to your Human Resource department before your enrollment deadline.
Health Care Flexible Spending Account FAQS
Who Should Enroll?
The Health Care Reimbursement Account is beneficial for anyone who has eligible out-of-pocket medical, dental, vision, or hearing expenses beyond what their insurance plan covers.
Is This A Good Program for Me?
It’s easy to determine if the Health Care Reimbursement Account can save you money. Before the plan year begins, you will need to determine your annual election. It’s a good idea to estimate the expenses that you will incur during the plan year.
You are allowed to include eligible out-of-pocket expenses for you, your spouse, and anyone claimed as a dependent for tax purposes. Review your health care expenses from the previous year. If you find you had $100 or more in recurring or predictable expenses, this account can help you stretch your income.
How Does It Work?
After you determine your annual expenses, identify an annual HCRA election that you are comfortable with. This amount will be deducted in even amounts from each of your paychecks. You will need to plan carefully as the IRS requires that any unused money left in your account at the end of the plan year will be forfeited.
When you have eligible expenses to be reimbursed, simply follow the flex plan administrator’s claim filing instructions on page 93. Documentation of eligible expenses can include the following: (1) the insurance explanation of benefits (EOB) statement returned to you from the insurance carrier indicating the amount you are responsible for; 2) when a healthcare expense is not covered by your insurance, an itemized bill, complete with the name of the provider, date of service and description and cost of the services rendered. Services submitted must be incurred within the Plan Year. The plan year begins September 1 and ends August 31. For new hires, the plan year begins the first of the month following 30 days of employment.
Can I Change My Election?
In line with Internal Revenue Service guidelines, you can change your election if you have a qualifying family status change during the plan year. This includes change in legal marital status, change in number of tax dependents, termination or commencement of employment, dependent satisfies or ceases to satisfy dependent eligibility requirements, or a judgment, decree or order. However, the adjustment in your election must be relevant to the change in status and the requested election change has to be in line and consistent with the event. All requests must be submitted to the Garland ISD Benefits Department for approval.
What Are the Advantages of the Health Care Reimbursement Account?
Most important, the net cost of your required out-of-pocket health care expenses is reduced and made more affordable. The amount you contribute to your HCRA and the amount you are reimbursed from your HCRA are income tax-free. The amount you contribute to your HCRA is not subject to Federal taxes. Generally, this will mean a tax savings of 10% to 40% depending on your tax bracket. As a direct result of our personal tax savings, you will actually reduce the cost of required expenses and thus, increase your spendable income.
Let’s look at an example. As shown below, Ben E. Fits makes $26,000 a year, and elects to contribute $1,000 to his Health Care Reimbursement Account. He then files eligible claims for the $1,000 in his account. As the example shows, Ben E. Fits will save $150 in taxes.
| WITHOUT an HCRA Account |
WITH an HCRA Account |
|
|---|---|---|
Gross Annual Pay |
$26,000.00 |
$26,000.00 |
Subtract Out-of-Pocket Medical Expenses (pre-tax) |
$0.00 |
-$1,00.00 |
Federal Taxes 15% |
$3900.00 |
$3750.00 |
Subtract Out-of-Pocket Medical Expenses (after-tax) |
-$1000.00 |
$0.00 |
Annual Tax Savings |
$0.00 |
$150.00 |
Note: The above figures assume taxes for an employee who is single, using the standard deduction, and no dependents.
What Are the Disadvantages of the Health Care Reimbursement Account?
Generally speaking, there are none with a bit of careful planning. As required by law, any money that is not used by the end of the plan year will be forfeited. Therefore it is in your best interest to be conservative when estimating your contribution. But keep in mind that your tax savings may more than make up for any extra dollars you leave in your account at the end of the year.
If you are in doubt about an expense, please contact the plan administrator or the Garland ISD Benefits Department. You will want to have your annual election as much in line with your medical out-of-pocket costs as possible.
Dependent Care Flexible Spending Account FAQs
Who Should Enroll?
The Dependent Care Reimbursement Account is generally beneficial to anyone who has a qualified dependent and eligible day care expenses
Who Is a Qualified Dependent?
Dependents are defined as children under 13 years of age or children 13 or over who are physically or mentally unable to care for themselves. A spouse or an elderly parent residing in your home, who is physically or mentally unable to care for himself or herself, also qualifies.
What Expenses are eligible?
Expenses incurred which allow you (and your spouse, if married) to work, look for work or attend school as full-time students are eligible. The following are expenses that qualify:
- Day care facility fees (excluding transportation, lunches, educational services)
- Before-school and after-school care
- Local day camp
- In-home babysitting fees (income must be claimed by your care provider)
- Nursery school and preschool (preschool expenses are eligible if the amount you pay for schooling cannot be separated from the cost of care)
Who Is an Eligible Provider?
You may use any care provider you choose, except a dependent child who is claimed as a dependent and is under the age of 19. The care provider must meet the requirements of your state. The services may be as informal as care provided by your neighbor, as long as the provider claims the money received for services as income when determining their taxes at the end of the year. You will need to obtain the provider’s Federal Identification/Social Security Number for inclusion on your tax filing.
Can I Change My Election?
In line with the Internal Revenue Service guidelines, you can change your election if you have a qualifying change in status during the Plan Year. This includes marriage, divorce, death, change in coverage, change in cost, (except when the provider is a relative), dependent enrolled in school, birth/adoption or a change in employment. However, the adjustment in your election must be relevant to the change in status and the requested election change has to be in line and consistent with the event. All requests must be submitted to the Garland ISD Benefits Department for approval.
What Are the Advantages of the Dependent Care Reimbursement Account?
Most important, your personal taxes will be reduced. The amount you contribute to your DCRA is not subject to Federal taxes. Generally, this will mean a tax savings of 15% to 40% depending on your tax bracket. As a direct result of the personal tax savings, you can actually increase your spendable income by changing the payment of those expenses from an after-tax to a pre-tax basis. Participation in DCRA will reduce or in some cases, may eliminate the ability to use the Federal Tax Credit for Dependent Care. However, for most taxpayers the DCRA results in a greater tax savings. If you participate in DCRA, IRS Form 2441 must be completed as part of your tax return.
What Are the Disadvantages of the Dependent Care Reimbursement Account?
Any money in your DCRA that is not used by the end of the plan year will be forfeited. Therefore, it is in your best interest to be conservative when estimating your contribution.
How Does It Work?
The program is simple. Decide how much money you want to place in your account based on your estimate of dependent care expenses for the coming Plan Year. Keep in mind the time in which your dependent is not receiving care, such as sick time or summer months. The amount to be deducted from your pay cannot be greater than your income or that of your spouse, whichever is lower. The maximum contribution allowed by the IRS is $5,000 ($2,500 each for married individuals filing separate returns). You will need to plan carefully as the IRS requires that any unused money left in your account at the end of the plan year will be forfeited. Identify an annual election that you are comfortable with. This amount will be deducted on a pre-tax basis each pay period and contributed to your Dependent Care Reimbursement Account.