Know your options
From Flexible Spending Accounts (FSA’s) to our confidential Employee Assistance Programs Local 4759 has a variety of benefits, to make sure you and your family are covered.
Flexible Spending Accounts
Flexible Spending Accounts (FSAs) save you money on your taxes. They work like a savings account. Each pay period, funds are deducted from your pay on a pre-tax basis and are deposited into your Health Care and/or Dependent Care FSA. You then use your funds to pay for eligible health care or dependent care expenses. The City’s FSAs are administered by WEX Health Inc. (formerly Discovery Benefits).
Note the following important caveats about FSAs:
| Account Type | Eligible Expenses |
|---|---|
| Health Care FSA | Most medical, dental and vision care expenses that are not covered by your health plan (such as copayments, coinsurance, deductibles, eyeglasses and doctor-prescribed over the counter medications) |
| Dependent Care FSA | Dependent care expenses (such as day care, after school programs or elder care programs) so you and your spouse can work or attend school full-time |
- Your FSA elections will be in effect from January 1, 2024 through December 31, 2024 (with a grace period through March 15, 2025).
- Claims for reimbursement for services incurred during the plan year must be submitted by March 31, 2025.
- Please plan your contributions carefully. Any money remaining in your account after March 31, 2025 will be forfeited. This is known as the “use it or lose it ” rule and it is governed by IRS regulations.
- FSA elections do not automatically continue or roll over from year to year; you must actively enroll each year. This is an IRS requirement.
Employee Assistance Program (Aetna) (HC)
The Aetna Employee Assistance Program (EAP) offers 24/7 confidential help and resources for living, including assistance with well-being issues such as:
- Life and relationships;
- Mental health and addictions;
- Career and workplace;
- And much, much more!
Visit the Resources for Living site to learn more and get started. Use these credentials to access the site:
Username: La Mesa 24/7
Password: EAP
You can also call (800) 342-8111 for assistance.
Legal Shield / ID Shield
Legal Shield and ID Shield enable members who have subscribed to these services opportunities for ID protection and subscription-based legal council.
Other Benefits Offered from the Standard with Paid Life (BR)
Travel Protection
When you travel domestically or internationally, an emergency can be much more complicated to deal with than when it happens closer to home. The Standard Secure Travel is available 24 hours a day, 365 days a year if a situation, such as injury, death, theft, natural disaster, disease outbreak, or terrorism occurs. Services provided include emergency medical evacuation assistance, 24-hour multilingual assistance, prescription refill services, and much more.
Identity Theft
Identity theft is America’s fastest-growing crime, victimizing 8.9 million people a year. The Standard’s Identity Theft Program provides valuable resolution services to help you work through critical identity theft issues you may encounter. Services such as review of credit information to determine if an ID theft has occurred, help with reporting ID theft to credit reporting agencies, access to free credit reports, and much more.
Will Preparation
The Standard’s Will Preparation Program provides an easy way to help protect your family’s financial future. There are many tasks and decisions to make after a death, but advanced planning makes these uncertainties for family members easier to deal with. Some of the services offered are: a Last Will and Testament, Living Will, Health Care Power of Attorney, Financial Power of Attorney, and resources to help with funeral planning.