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Reliant offers a Cafeteria Benefit Plan, which allows employees to "select" certain benefits they would like to participate in. Each of the benefits offered on the cafeteria plan are paid for by automatic deductions from the employee's monthly paycheck. When an employee submits a their annual Cafeteria form Enrollment Form each year, they are authorizing Reliant to make a deduction(s) from their monthly paycheck. Each authorization for Cafeteria benefits is designed to last for the rest of the calendar year in which the Cafeteria Enrollment Form is submitted. NOTE: Each year benefits offered in the Cafeteria Plan must be renewed by you during Open Enrollment. 

Three sections of the

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Cafeteria Plan

• Health Savings Account (HSA) — If you You are enrolled or planning on selecting in the HS 5000 (HSA), HS 3000 (HSA), HS 1500 (HSA) and you also wish to make an a monthly personal Employee Contribution to your HSA bank account, you will need to also enroll in the cafeteria plan Cafeteria Plan to sign up for your Employee HSA Contributions. Please send in your Cafeteria Plan Enrollment Form by the open enrollment Open Enrollment deadline each year, or if you are enrolling outside of Open Enrollment due to a Qualifying Event, send in the your Cafeteria Plan Enrollment Form when you complete your medical insurance enrollment formMedical Insurance Enrollment Form. See also Health Saver (HS) Plans. A new Cafeteria Enrollment Plan Form is needed EVERY YEAR. 
• Vision Plan Benefit — (Vision premiums are paid for by you, the employee, out of your paycheck). If you select the Vision Plan, you will need to also enroll in the Cafeteria Plan to sign up for your Vision Plan payment. See also Vision Insurance.
• Child-care Care Benefit — For a description of the Child-Care Benefit, please read Child-Care Benefit. If you desire to elect the Child-Care Benefit, you will need to also enroll in the cafeteria plan to sign up for your Child-Care Benefit Employee Contribution.

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Why does Reliant offer a

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Cafeteria Plan?

Reliant does this primarily for the tax benefits it offers our employees. The contributions/payments for any of these three benefits are processed on a pre-tax basis. So they will be taken from your monthly paycheck before taxesany Federal Income Taxes or FICA Taxes are withheld. Thus, your tax savings could really add up! (In addition, there is no Employer FICA applied taken out of the MTD account you're responsible for, for these monthly contributions)

With the Child-Care Benefit, employees are able to submit child-care expenses for reimbursement using the employee contributions that are set aside from their monthly paychecks. 

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• HSA employee monthly contributions (through Reliant payroll) are treated as pre-tax deductions
• Vision Plan Benefits monthly premiums are deducted from your paycheck pre-tax.
• Child-Care Benefit employee monthly contributions are deducted from your paycheck before tax taxes as well.
• Employee's pre-tax contributions/payments are not subject to federal income or social security tax. (It also means NO employer FICA matching portion comes out of the MTD account you're responsible for.)

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• Employees need to stay enrolled in the Vision Plan for the entire year if the Vision Benefit is elected. 
• Employees will need to stay enrolled in the Child-Care Benefit for the entire year, if this Benefit is elected. Child-care Care funds must be used up during the calendar year in which they are elected. Child-care Care funds do not carry over to the next year.
• To take advantage of Reliant's Cafeteria Plan, you only need to either select the Vision Plan Benefit, Health Saver 1500, Health Saver 3000, Health Saver 5000 Employee HSA Contributions, or the Child-Care Benefit. You do not need to be enrolled in all three.
• The yearly maximum contribution amount for the Child-Care Benefit is $5,000.
• For the Child-Care Benefit Plan, employees submit their child-care expenses directly to Reliant for reimbursements in a manner very similar to how they currently submit reimbursements for their Reliant ministry expenses. See Child-Care Benefit.

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