Unity Benefit Services, Inc.

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we create employee satisfaction by making flexible benefit plans understandable, accessible and usable.

[ Cafeteria Plans ]

A Cafeteria Plan is a written employer plan in which all participants are employees and which allows the participants to choose among two or more benefits consisting of cash and qualified benefits. Basically, it allows participants to choose from the benefits in the plan just like they were selecting their food choices at a cafeteria. It's a plan which gives people more benefit choices.

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[ Change of Status ]

A change of status is the occurrence of certain specified events which allow participants to make mid-year benefit election changes.

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[ Health Flexible Spending Arrangements (Health FSAs) ]

A health flexible spending arrangement (health FSA) is a MERP that is a "flexible spending arrangement."

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[ Dependent Care Assistance Plans (DCAP) ]

A dependent care assistance plan allows employees to exclude the cost of their dependent care from their gross taxable income.

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[ Health Reimbursement Arrangements (HRAs) ]

A health reimbursement arrangement (HRA) is an employer-funded plan that reimburses employees for medical expenses that are not reimbursed elsewhere (i.e., a type of MERP).

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[ Medical Expense Reimbursement Plans (MERPs) ]

Medical expense reimbursement plans are arrangements through which employers reimburse employees for uninsured medical expenses that are not paid for by the employer's major medical plan.

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[ Health Savings Accounts (HSAs) ]

Health savings accounts (HSAs) are tax-favored IRA-type trust accounts that can be established only for eligible individuals.

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[ Executive Reimbursement Plan ]

An executive reimbursement plan is a type of flexible benefit plan.

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[ Qualified Transportation Plans ]

Qualified transportation fringe benefit plans allow employers to provide employees with qualified parking, transit passes, and vanpooling on a tax-free basis.

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[ Adoption Assistance Program ]

The take care adoption account option is for expenses paid in connection with adopting a qualified child.

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[ Vacation Buy/Sell ]

A cafeteria plan could give participants the opportunity to elect either more vacation days or fewer paid vacation days.

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[ Group Term Life Insurance up to $50,000 ]

In general, up to $50,000 (death benefit) of group term life insurance may be provided to employees tax-free...

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[ §401(k) Contributions ]

A cafeteria plan may allow participating employees the option to make elective salary deferral contributions under a Code §401(k)

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[ Your Account ]