Citi Benefits Handbook
Spending Accounts at a Glance
 
Health Care Spending Account (HCSA)
Limited Purpose Health Care Spending Account (LPSA)
Dependent Day Care Spending Account
(DCSA)
Transportation Reimbursement
Incentive Program (TRIP)1
Why enroll?
To reduce your taxes by paying for eligible expenses with before-tax dollars.
What is reimbursed?
Health care expenses for you and your family that are not paid by any medical, dental or vision plan.
Vision and dental for you and your family that are not paid by any medical, dental or vision plan or your Health Savings Account (HSA).
Dependent day care expenses for your qualified dependents so that you (and your spouse, if you are married) can work or look for work.
Eligible transit and parking expenses.
Note: Your contributions are used to purchase transit/parking passes online. There is no claim-filing process.
Contribution limits
From $120 to $2,750 per year per employee;2 money is deducted in equal amounts each pay period.
From $120 to $2,750 per year per employee;2 money is deducted in equal amounts each pay period.
From $120 to $5,000 per year per family; money is deducted in equal amounts each pay period.
Transit: Up to $270 per month before tax and up to $1,000 in after-tax dollars.
Parking: Up to $270 per month before tax and up to $1,000 in after-tax dollars.
Forfeiture provisions
You will forfeit any money you contribute but do not use, including disputed amounts, each calendar year.
You will forfeit any money you contribute but do not use, including disputed amounts, each calendar year.
If you were enrolled in the DCSA in 2020 and/or 2021, you will be able to carry over any unused amounts in your DCSA at year-end to be used through the 2022 plan year.
If your employment is terminated or if you transfer to an entity that is not eligible to participate in TRIP, your payroll deductions will stop and your account will be closed as of your termination or transfer date. You will forfeit the before-tax balance in your account.
Changing your election
As a result of COVID-19 guidance, you have a one-time opportunity to enroll, cancel, increase/decrease your elections for any reason until October 31, 2021. Note: Your decrease is limited to your contribution amount on your election change date.
As a result of COVID-19 guidance, you have a one-time opportunity to enroll, cancel, increase/decrease your elections for any reason until October 31, 2021. Note: Your decrease is limited to your contribution amount on your election change date.
As a result of COVID-19 guidance, you have a one-time opportunity to enroll, cancel, increase/decrease your elections for any reason until October 31, 2021. Note: Your decrease is limited to your contribution amount on your election change date.
You can change your online purchase at any time; the change will be effective as soon as administratively possible.
Filing a claim
You must file claims, including pertinent supporting documentation, for 2021 expenses so they are resolved no later than June 30, 2022. As a result of COVID-19, you can file claims for 2019 expenses four months after the end of the Outbreak Period.
You must file claims, including pertinent supporting documentation, for 2021 expenses so they are resolved no later than June 30, 2022. As a result of COVID-19, you can file claims for 2019 expenses four months after the end of the Outbreak Period.
You must file claims, including pertinent supporting documentation, for 2021 expenses so they are resolved no later than June 30, 2022. As a result of COVID-19, you can file claims for 2019 expenses four months after the end of the Outbreak Period.
You must file claims for Parking Cash Reimbursement, including pertinent supporting documentation, for 2021 expenses so they are resolved no later than June 30, 2022. As a result of COVID-19, you can file claims for 2019 expenses four months after the end of the Outbreak Period.
1 TRIP is not part of Annual Enrollment. You can enroll in TRIP at any time.
2 Each partner of a married couple working at Citi can contribute $2,750 to the HCSA or LPSA account.
Health Savings Account (HSA) Information
For information about the HSA paired with the HDHP, see the "Health Savings Account" in the Medical section.