Summer Savings with Healthcare FSAs

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Flexible Benefit Service Corporation (Flex)

See how you can save this summer on eligible expenses with your Flexible Spending Account (FSA)!

Healthcare Health & Medicine Business

Summer Savings
with Healthcare FSAs

Allergy Medications
(with RX)

Motion Sickness
Medication
(with RX)

Personal Trainer
(with Letter of Medical Necessity)

Sunglasses
(with RX)

Crutches & Arm Slings

Sunscreen (SPF 30+)

Sun Protective Clothing
(with RX)

Sunburn Creams & Ointments
(with RX)

Insect Bite Creams & Ointments
(with RX)

Happy Summer Savings!

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Want to learn more about how to buy an annuity in your IRA account? Use this Abaris module to find out more about the new guidelines for QLACs and how they fit into your retirement strategy. In 2014, the US Department of Treasury passed new guidelines that allowed people to buy a certain type of deferred income annuity called a Qualified Longevity Annuity Contract (QLAC). A QLAC is bought within your IRA, 401(k) or similar account and allows you to defer the required minimum distribution, which starts at age 70½ and applies to qualified accounts. Unlike a normal deferred income annuity, which has to be funded with your post-tax dollars (or generally has an income start date before age 70.5), QLACs let you purchase guaranteed income, for life, using your pre-tax dollars. This is a major step forward for securing retirement income. Before 2014 people were forced to take money out of their IRAs, meaning they had to pay an early withdrawal penalty and pay taxes before they could purchase an annuity. QLACs ensure that your savings don’t run out. QLACs also allow you to defer the required minimum distribution (RMD) payments that the IRS mandates. Usually these payments would begin at age 70½, but under a QLAC you can defer them until age 85. Note: It doesn’t mean you can defer your entire RMD, unfortunately, just the additional amount you would have been subject to if you had not purchased a QLAC. So what does all this mean for you? Let’s take Jim, a 70 year old male, as an example. If Jim saved $1,000,000 for retirement in his IRA, he comes to a fork in the road with two choices: (1) he can keep all his money in the IRA and earn an annual 4%, or (2) he can purchase a $125,000 QLAC that’ll begin paying out at age 80. This means he’ll keep $875,000 in his IRA and earn 4% annually on that amount. Initially, Jim’s total income will, in fact, be greater if he keeps the entire $1,000,000 in his IRA. Specifically, his total income, at age 70, with no QLAC would be $26,278, whereas his total income with a QLAC at this time would be slightly less, at $22,993, despite the fact that RMD taxed are lower with a QLAC. Not totally surprising, since earning 4% per year on $1,000,000 is greater than 4% per year on $875,000. But fast forward 10 years, to when Jim is 80 years old. Now his QLAC has begun paying out, so not only is he earning income from his IRA, but from his QLAC, as well. This makes a big difference when you compare his total income without and with a QLAC: $37,657 vs. $56,255, respectively. So now total income with a QLAC is higher, and RMD taxes with a QLAC are still lower! The same goes for Jim at age 90. In short: though initially total income is higher without a QLAC, once the QLAC begins paying out that changes. A QLAC means your taxes will be lower, that is the taxes on your RMD, and, hence, total income is higher.

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Today’s healthcare leaders are seeking technology solutions to optimize efficiencies and improve patient care. However, without effective change management and strategies in place, healthcare leaders struggle to strategically improve patient flow, space, to strategically improve patient flow, space, and schedule management, and implement daily huddles. The role of technology in supporting operational efficiency and change management initiatives is inevitable. During this webinar, attendees will learn how to optimize Ambulatory Operational Efficiencies and Change Management. Attendees will also learn about the importance of visual management boards in enhancing clinic performance and insights into effective change management approaches.

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Personnel and Equipment - Code and Rapid Response Workshop

Personnel and Equipment - Code and Rapid Response Workshop

Personnel and Equipment - Code and Rapid Response Workshop

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GENETICS and KIDNEY DISEASES /

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Unlock the Secrets to Optimizing Ambulatory Operations Efficiency and Change ...

Unlock the Secrets to Optimizing Ambulatory Operations Efficiency and Change ...

Unlock the Secrets to Optimizing Ambulatory Operations Efficiency and Change ...

Bobath Technique (Samrth Pareta) .ppt.pptx

Bobath Technique (Samrth Pareta) .ppt.pptx

Bobath Technique (Samrth Pareta) .ppt.pptx

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Personnel and Equipment - Code and Rapid Response Workshop

Personnel and Equipment - Code and Rapid Response Workshop

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