Dependent Care Assistance Program (DCAP)
The DCAP allows you to set aside pre-tax money from your paycheck to help pay for qualifying child care or elder care expenses.
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The Health Care Authority contracts with Navia Benefit Solutions (formerly Flex-Plan Services, Inc.) to process claims, and provide customer service for Public Employees Benefits Board (PEBB) members.
The Dependent Care Assistance Program (DCAP) is only offered to PEBB benefits-eligible employees who work at state agencies, higher-education institutions and community and technical colleges.
The DCAP allows you to set aside money from your paycheck on a pre-tax basis to help pay for qualifying child care or elder care expenses while you (and your spouse or state-registered domestic partner) attend school full-time, work, or look for work.
A qualifying dependent must be:
- Age 12 or younger and live with you.
- Age 13 or older, physically or mentally incapable of self-care, and regularly spend at least eight hours each day in your household.
DCAP participation is only valid for the plan year in which you enroll and does not continue automatically. You must enroll or re-enroll each year before the end of the PEBB Program's annual open enrollment period to participate in the DCAP.
You can enroll in a DCAP account:
- When you become eligible for PEBB benefits. You must enroll no later than 31 days after the date you become eligible.
- No later than the last day of PEBB Program’s annual open enrollment period (November 1–30).
- If you or an eligible family member has a qualifying event that creates a special open enrollment. You must enroll no later than 60 days after the qualifying event.
To determine how much you want to contribute per pay period, estimate your expenses for the plan year and enroll in the DCAP for that amount. The money deducted from your pay is divided by the number of paychecks you will receive in the plan year.
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 plus net earnings from self-employment.
For more help, use the Navia Benefit Solutions (formerly Flex-Plan Services, Inc.) Tax Savings Calculator.
- Online: http://pebb.naviabenefits.com/
- Mobile App: download for iPhone or Android
- Fax: (425) 451-7002 or toll free (866) 535-9227
- Mail: Navia Benefit Solutions, PO Box 53250, Bellevue, WA 98015
- Email: firstname.lastname@example.org
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.
You must submit all claims for reimbursement to Navia Benefit Solutions (formerly Flex-Plan Services, Inc.) no later than March 31 after the end of the plan 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. This is referred to as the "use-it or lose-it" rule.