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For the 2020 calendar year, any employee may elect, increase, or decrease their contribution one time outside of Open Enrollment or a qualifying event. |
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OverviewThe Child-Care Benefit is available to Reliant missionaries and employees who need or wish to provide child care for a dependent. Any Reliant employee may elect this benefit (it doesn't matter how many hours you are employed per week by Reliant), as long as the child care costs the employee is incurring and seeking to reimburse from the plan are related to the employee and his/her spouse working (or seeking employment). This benefit is part of Reliant's Cafeteria Plan, which allows pre-tax wages to be used for certain benefits. Some of the IRS requirements to utilize the Child-Care benefit include:
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Child-care reimbursements are generally paid out in the 20th reimbursement batch. Reliant waits until payroll is processed and posted to determine if there are sufficient funds in the employee's child-care account to pay a reimbursement. |
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No, child-care reimbursements are not part of the order of pay. The monthly child-care election is deducted from your payroll pre-tax. Therefore, a child-care reimbursement can still be paid even if you are in a back pay situation. There just needs to be sufficient funds in the child-care account to pay the reimbursement. |
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Child-care reimbursement is available for child-care services while you and your spouse ,if you are married, are either working or looking for employment. This can be for child-care services during the day or child-care services needed at night, as we know sometimes missionaries have non-traditional work hours. |
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When your child is below the first grade, the cost associated with child care, separated out from the cost of schooling, is reimbursable. If the cost of schooling is incident to and cannot be separated from the cost of child care, then the total cost is eligible for reimbursement. Kindergarten is not reimbursable. When your child is in first grade or higher, but under age 13, the cost of child care must be separated from the cost of schooling to be eligible for reimbursement. This would apply to before- and after-school child-care programs/arrangements. |
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Child-care reimbursements must be paid in full amounts, just like reimbursements. If your July child-care reimbursement is for $600 and there is only $500 in your child-care account, Reliant would wait to pay the reimbursement until the account has sufficient funds to pay the full reimbursement. However, we do allow a missionary to submit a large reimbursement but then request it be paid out at a lower amount (see below). |
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Yes. This action would forfeit the remaining amount from being paid out. You must initiate the request to reduce a child-care reimbursement amount. This can be done by sending an email to reimbursements@reliant.org such as, "Please pay my January child-care reimbursement of $1,000 using the $500 that is available in my child-care account." |
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Yes. You can pay a relative as long as that relative is not a dependent child under the age of 19 that resides within your home. |
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The following expenses are not eligible for reimbursement under an IRC Sec. 125 or 129 plan.
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Yes. We must receive all child-care reimbursements for the previous year no later than January 31 of the following year. |
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Child-care funds do not roll over. Therefore, if you have $400 in the child-care account that is not used for costs incurred by December 31st, you will forfeit a portion of the funds. Any remaining balance not used is divided amongst all of the plan participants. We then pay that money back to the participants as taxable income in the following year. Therefore, if you have remaining funds in the child-care account, you will likely only get some of the money back, as some of the money will also go to the other participants in the program. |
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A foster child is eligible as long as the child is considered a dependent of the employee for federal income tax purposes. This means the employee must provide more than half of the financial support (Sec. 152(c)(1)(D)), the foster child must live with the employee for more than one-half of the year (Sec. 152(c)(1)(B)), the foster child must be less than 19 or a student less than 24 on December 31 (Sec. 152(c)(1)(C)), and the foster child was placed with the employee by an authorized placement agency or by judgment, decree, or other order a court (Sec. 152(f)(1)(C)). And the placement is formal (see the preceding sentence). (This is an IRS regulation.) |
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Please fill out your reimbursement forms and submit them to reimbursements@reliant.org on a monthly basis. If you have multiple service providers in a given month, please fill out one reimbursement form for the entire month for each provider and attach all receipts for the amounts paid to that provider within the month. For example, if you have two babysitters that you paid weekly, you can either create one receipt for all the weekly payments for each babysitter to sign (so you create a monthly summary receipt for the babysitters to sign) or attach a receipt for each weekly amount paid to the babysitters within the month. Then you would fill out one reimbursement form for each babysitter for the month. |
Reimbursement form
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