Distributed to employees who participate in MCAP and/or DCAP
Human Resource Services records indicate that you are currently participating in the Medical Care Assistance Plan (MCAP) and/or the Dependent Care Assistance Plan (DCAP). We would like to make sure that you are aware of a few important changes/reminders to the plan for FY2021. Below are highlights of important changes as well as some general reminders:
Plan Year Contribution Limits
The MCAP maximum contribution amount will increase from $2,700 to $2,750, and the DCAP maximum contribution amount will remain unchanged at $5,000.
The MCAP continues to permit a $500 maximum rollover. Employees must re-enroll in MCAP for the new plan year in order to qualify for the rollover. Those who do not re-enroll for FY2021 will forfeit any amount eligible for rollover.
Health Savings Account Introduction
This year the State of Illinois is introducing a Health Savings Account (HSA). Employees must enroll in the Consumer Driven Health Plan (CDHP) to be eligible to enroll in an HSA. Employees choosing to enroll in the CDHP and an HSA, will receive a State contribution of one-third of the deductible into their HSA account ($500 individual or $1000 family). Employees cannot be enrolled in both an HSA and the MCAP plan.
COVID-19 Impact on MCAP
At this time, the IRS has not modified rollover amounts or the timelines for submission of claims as a result of COVID-19. However, the CARES Act has expanded the list of eligible expenses for Flexible Spending Accounts (FSA) to include over-the-counter medicines and menstrual products, retroactively to January 1, 2020. Participants enrolled in the State of Illinois’s MCAP can utilize their cards and file MCAP claims for items found on the FSA eligible expense list.
COVID-19 Impact on DCAP
Given the COVID-19 situation, if an employee currently does not have any child care expenses, they could choose to not enroll in DCAP during the Benefit Choice period. Once the employee’s child returns to day care, the employee would be experiencing a “Significant Change in Day Care Cost” qualifying event which would allow them to enroll in the DCAP plan for the remainder of the plan year.
Employees Must Re-enroll in MCAP and DCAP to Participate for FY21
Please be reminded that Flexible Spending Account plan elections do not automatically carry over each year. Employees will need to process their election on the MyBenefits website. The MyBenefits Service Center is also available to help answer questions or process enrollments.
MyBenefits Service Center
Customer Service toll free number: 1-844-251-1777
TTY/TTD toll free number: 1-844-251-1778
Monday – Friday 8:00 a.m. – 6:00 p.m. CST
Employees should contact MyBenefits Service Center at (844) 251-1777 or (844) 251-1778 (TTD/TTY) with questions about navigating the MyBenefits website or for assistance with Benefit Choice changes and elections. Representatives are available Monday – Friday, 8:00 a.m. to 6:00 p.m. Central Time.
Human Resource Services provides this information as guidance to employees. All procedures, terms and conditions of the State benefit program are as provided by CMS and the State of Illinois. While we make every effort to assure the accuracy and completeness of this information, we recommend that employees directly access the information provided by CMS and the designated care providers who establish and maintain the official policies and procedures. Where possible, we have provided links to relevant websites for your convenience in accessing additional information and clarification.