2026 CODAC Benefit Summaries and Carrier Flyers

Frequently Asked Questions

If my child only needs after-school care during the year, is this eligible? Yes, after-school care is a qualified dependent care expense. I pay my oldest child to look after my younger children after school. Are these payments eligible? No, the IRS does not allow you to employ your own child under age 19 or any other dependent for this purpose. Each summer, I send my dependents to summer day camp. Can I pay this expense with my account? Yes, summer day camp costs are eligible, but transportation and overnight camp expenses are not. If my wife stops working after our next child is born, can I stop contributing to my account? Yes, you can change your contribution amount if you have a qualifying family status change, such as the birth of a child. If your wife stays home, you must stop contributions since you’ll no longer have eligible daycare expenses. I take my elderly father to an adult daycare facility. Can I use this account to pay for these expenses? Yes, these expenses are eligible if you claim your father as a dependent on your tax return and he spends at least eight hours a day in your home.

My elderly mother, who is bedridden and requires nursing care, lives at home with me. Can I use this account to pay for her nursing expenses? No, these are medical expenses and not eligible. Additionally, you could not use your Dependent Care FSA to pay your mother’s expenses if she lived in a 24-hour nursing home. Does my Dependent Care FSA contribution reduce the amount of child care expenses eligible for the dependent care tax credit? Yes, any amount contributed to a Dependent Care FSA will directly reduce the child care expenses eligible for the federal tax credit. May I submit claims at the start of the plan year for the whole year? No, the IRS does not allow reimbursement for future expenses. However, CBIZ will accept claims with a service start date up to two weeks in the future.

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