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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 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.)

Cafeteria Plan advantages

Reliant offers a Cafeteria Plan primarily for the tax free benefits it affords 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 taxes. This includes both Federal Income Taxes and FICA taxes, too! Thus, your tax savings could really add up!

With the Child-Care Benefit, employees are able to submit child-care expenses for reimbursement using the tax-free employee contributions set aside from their monthly paychecks. This enables you to pay for your child-care expenses tax-free! 

Tax benefits for you

• • The payment for any benefit chosen in the Cafeteria Plan will be deducted each month from your paycheck. 

  • You will see these payments are in the “pre-tax” category on your monthly pay stub. 

  • Neither Federal Income Tax nor FICA Tax are deducted on your Cafeteria Plan benefit that you choose. 

  • It also means NO employer FICA matching portion comes out of the MTD account you’re responsible for.

Things to keep in mind

• • The benefits offered on the Cafeteria Plan have to be elected by you each year.  They DO NOT automatically roll over into the next year. You must submit a NEW Cafeteria Form EVERY YEAR. 

  • So, even if you are planning to continue your participation in these benefits in the same manner as the previous year, a  new selection must be made EACH YEAR during Open Enrollment. 

  • Each Selection will last for the entire year. 

  • The contributions selected for Vision, Employee HSA Contributions and Child Care Benefit will be applied to paychecks from January to December, 2018, or the entire year. Partial year contributions are not allowed. 

  • Changes to selections are only allowed mid-year if there is a qualifying event experienced by those utilizing the benefit.  Qualifying events are things like births, marriages, changes in eligibility, etc.

To take advantage of Reliant's Cafeteria Plan, you can choose ANY one of the three options. You do not need to be enrolled in all three.

Things to keep in mind

• Employees need to stay enrolled in the Vision Plan for the entire year if the Vision Benefit is elected. 
• Employees need to stay enrolled in the Child-Care Benefit for the entire year, if this Benefit is elected. Child-Care funds must be used up during the calendar year in which they are elected. Child-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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