Flexible Spending Account (FSA)

Discovery Benefits

Discovery Benefits manages Flexible Spending Accounts for Windstream employees. A Flexible Spending Account (FSA) is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don’t have to pay taxes on this money. Except for a small annual carry-over, you must use all of the funds during the calendar year.

Through Discovery Benefits, you can continue to take advantage of the savings offered by using tax-free money to pay your eligible health and dependent care expenses. The following accounts are available to you.

Please note: Keep your Discovery Benefits card. Your new elections will be added to the same card.

Health Care FSA:

  • The maximum contribution amount allowed in 2019 is $2,650.
  • Keep in mind that a Health Care FSA is a “use it or lose it” account – you may only carry over up to $500 each
    Any remaining balance over that amount will be forfeited when the plan year ends.
  • You can only enroll or make a change in your election during open enrollment, as a new hire, or with a qualified life event.
  • Contributions are deducted directly from your paycheck on a bi-weekly basis.
  • Your full annual election is available to use starting on the first day of the plan year or the first day of your medical plan coverage.

Daycare/Eldercare FSA:

  • Contribute up to $5,000 a year to help cover your qualified dependent care expenses, such as child daycare or eldercare.
  • Unused money does not carry over at the end of each year – use it or lose it.
  • You can only enroll or make a change in your election during open enrollment, as a new hire, or with a qualified life event.
  • Contributions are deducted directly from your paycheck on a bi-weekly basis.
  • You are eligible to use the amount of money you have contributed through payroll deductions.

Commuter FSA:

    • You can use before-tax money to save on parking and transit expenses.
    • Contribute up to $260 a month for parking and up to $260 a month for transit.
    • You can change or cancel your contribution month by month.
    • Contributions are deducted directly from your paycheck on a monthly basis.
    • Unused money carries over at the end of each year.

Daycare/Eldercare FSA and commuter FSA enrollment is not restricted by HSA enrollment.