FSA / Commuter Benefits Option
Flexible Spending Account
North Brunswick Township School District

Employees eligible for District health plans are eligible for the Flexible Spending Account (FSA) and Commuter Benefits options. These options help you manage eligible out-of-pocket health care, dependent care, or commuter costs and lower your taxable income by setting aside your specified contribution amount(s) before taxes are applied:

**Your benefits are more affordable
**Your spendable income increases
**You pay less in taxes

What is a Flexible Spending Account (FSA)/ Commuter Benefits account?
With these accounts, you can cover the cost of eligible out-of-pocket health care, dependent care, or commuter expenses with “before-tax” dollars, almost like an automatic tax deduction. The dollar amount(s) you choose will be transferred from each paycheck, before taxes are deducted, and contributed to your account. Then, use your Inspira Card to pay for eligible out-of-pocket expenses or submit a claim for reimbursement.

Our FSA plan administrator is Inspira Financial. Learn more about this option below:

FSA Overview Flyer
Health Care FSA Flyer
Dependent Care FSA Flyer
Frequently Asked Questions

How much can I transfer to my account?
Each year, you choose an amount within a given range to be transferred to your account from your paycheck. It is recommended that you base your designated amount on predictable expenses. The amount you choose will be transferred in equal installments from each paycheck to your account throughout the year.

What is the Inspira Card?
Participants are issued their own Inspira debit card to pay for eligible out-of-pocket expenses; use it to pay your copays and other expenses on-the-spot. The amount of your out-of-pocket expense is automatically deducted from your account, so no receipts or claim forms are needed.

Inspira Card Flyer

When can I enroll in these plan options?
You can join the FSA by submitting an Enrollment Form to the Benefits Office during the FSA Open Enrollment. Once enrolled, you must re-enroll each year to continue in the program.

Because the Commuter Benefits option is a month-to-month benefit, you can choose to enroll / disenroll any time during the year.

What happens if I have money left in my FSA at the end of the year?
For the FSA, be aware of the "use it or lose it" rule: any contributions left in your account after the specified Grace Period are forfeited.

Any unused Commuter Benefits funds remain in your account for as long as you are an active participant in the plan. If you disenroll, you forfeit any remaining balance in your account. Contact the Benefits Office for details.

Can I access my account online?
After your effective date, you can register for an online account at inspirafinancial.com. Once registered, you can view transaction history, submit claims online, report a lost or stolen debit card, and much more.