Using pre-tax dollars for eligible health care expenses is a great way to keep money in your pocket.  One way to reduce your annual spending is to setup pre-tax premium payments with American Fidelity for your medical, dental, and vision monthly premiums. Section 125 of the IRS tax code allows you to convert a taxable cash benefit (salary) into non-taxable benefits, primarily through flexible spending accounts (FSAs).

An FSA lets you pre-tax up to $8,200 ($3,200 HCFSA max + $5,000 DDC max) to cover eligible health care and dependent care expenses for yourself, your spouse and any eligible dependents.  We invite you to review the Benefits Information Guide for more details on what’s covered and the enrollment process. You may also click on the brief video from American Fidelity – the District’s FSA administrator - for a one-minute overview of the plan offerings. 

You have 31 days from your benefit eligibility date to enroll in this coverage, otherwise you will only be able to enroll/re-enroll during the annual open enrollment period. Make a note to schedule an appointment with their advisors to learn more about these offerings.

How does Section 125 work? Click the link below.

Section 125 | Video | American Fidelity

 

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CSEA Members Only

American Fidelity has recently made changes to your Disability Income Insurance plan. We will process any claims received before 12/31/2024 under the terms of your previous plan’s provisions. The following are modifications to your plan effective January 1, 2025: • Maximum Available Benefit: Your group disability plan currently offers a maximum available monthly benefit of $2,500. Your updated plan will provide a maximum available monthly benefit amount of $7,500 for a maximum covered salary of $12,500. All plan benefits are subject to limitations and exclusions. It is important to review the complete details in your plan certificate to ensure you understand your coverage and can make informed decisions about your insurance needs. We encourage you to take advantage of the open enrollment period to learn more about additional benefits and how American Fidelity can help protect your income. Please visit the link to book an appointment with your account manager at americanfidelity.com/fresno.

For additional information, please click the link below.

CSEA Disability Enhancement - American Fidelity

Letter Notification - https://assets.americanfidelity.com/media/vtlb5b5i/ltr-254-fresno-usd.pdf