Dependent Care Assistance Program (DCAP)

The Dependent Care Assistance Program (DCAP) lets you set aside pretax money from your paycheck to help pay for qualifying child care or elder care expenses. Navia Benefit Solutions processes claims and provides customer service for School Employees Benefits Board (SEBB) subscribers.

Am I eligible?

You are eligible for the DCAP if you meet criteria listed in Washington Administrative Code (WAC) 182-31-040. Generally, the DCAP is available to SEBB employees who are expected to work at least 630 hours during the school year.

How can the DCAP help me?

Child and elder care can be one of the largest expenses for a family. The DCAP allows you to set aside pretax money from your paycheck to help pay for qualifying child care or elder care expenses while you (and your spouse or state-registered domestic partner) work, look for work, or attend school full time. The care must be provided during the hours the parents work, look for work, or attend school.

A qualifying dependent must be either:

  • Age 12 or younger and live with you. However, as a COVID-19 relief measure, employees can spend 2020 funds on children up to when they turn age 14.
  • Age 13 or older, physically or mentally incapable of self-care, and regularly spend at least eight hours each day in your household.

When can I enroll?

  • No later than 31 days after the date you become newly eligible for SEBB benefits.
  • During the SEBB Program's annual open enrollment.
  • No later than 60 days after you or an eligible dependent experiences a qualifying event that creates a special open enrollment.

How do I enroll?

During annual open enrollment, enroll in the DCAP using the Navia Benefit Solutions website. Paper enrollment forms will also be available.

You must enroll in the DCAP for each plan year you want to participate. Your enrollment does not automatically continue year to year. If you want to enroll, make sure to choose this benefit again during each annual open enrollment.

To enroll when you first become eligible for this SEBB benefit, submit the Midyear Enrollment Form to your payroll or benefits office.

How much can I contribute?

Estimate your expenses for the plan year and enroll in the DCAP for that amount. The money deducted from your pay is divided evenly by the number of paychecks you will receive in the plan year.

For 2021, the IRS has announced a new, temporary DCAP annual maximum of $10,500 for a single person or married couple filing jointly (or $5,250 for married couples filing separately). If you are currently enrolled in DCAP, you can take advantage of this change in September (or when you have a special open enrollment). If you are a newly eligible employee, you can elect up to this maximum when you enroll. 

For all other years, DCAP contributions are limited to:

  • $5,000 annually for a single person or married couple filing a joint income tax return.
  • $2,500 annually for each married participant who files a separate income tax return.

The total amount of your contribution cannot be more than either your earned income or your spouse’s earned income, whichever is less. Earned income means wages, salaries, tips, and other employee compensation, as well as net earnings from self-employment.

How do I submit claims?

When you incur an eligible expense, submit a claim online, use the mobile app, or send a claim form by fax, mail, or email to request reimbursement.

You can begin submitting reimbursement claims for eligible expenses on or after the first day of your plan year, January 1. You can only be reimbursed up to the dollar amount you have in your DCAP account at the time you request reimbursement. You may submit claims for services as often as you like, but not until after the services have been provided.

What’s the deadline to spend down my DCAP account?

Note: Due to the COVID-19 pandemic, you can incur expenses and submit claims against 2021 DCAP funds through December 31, 2022 — giving you an extra 12 months to spend your funds.

For all other plan years, DCAP expenses must be incurred by December 31 each year. You must submit all claims for reimbursement to Navia Benefit Solutions no later than March 31 of the following year.

After that date, your account will be closed and any balance remaining will be forfeited to the Health Care Authority. Once the money is forfeited, you will not be able to claim it. 

What happens to my DCAP funds when coverage ends?

If you terminate employment and have unspent DCAP funds, you may continue to submit claims for eligible expenses as long as the expenses allow you  to attend school full-time, look for work, or work full-time. Claims may be submitted up to your account balance and must be submitted to Navia Benefit Solutions by March 31 of the following plan year. You cannot incur expenses after December 31 of the plan year. There are no continuation coverage rights for the DCAP.

For more information on when coverage ends, see the DCAP Enrollment Guide on Navia's website. You can also contact Navia Benefit Solutions at 1-800-669-3539 or send an email to


Navia Benefit Services
Mobile App: download for iPhone or Android
Phone: 425-452-3500 or toll free 1-800-669-3539, Monday through Friday 5 a.m. to 5 p.m. (Pacific)
Mail: Navia Benefit Solutions, PO Box 53250, Bellevue, WA 98015-3250