How Does It Work?

During your open enrollment period, you’ll estimate your out-of-pocket expenses for that plan year. The amount you elect will be deducted evenly out of each pay check on a pre-tax basis and put into your Day Care FSA. You can use those pre-tax dollars to pay for any eligible expenses.


What Does It Cover?

Day Care FSAs cover any day care or dependent care expenses that allow you (and your spouse) to work, look for work, or be a full time student. This includes expenses like:

  • Before and After School Care
  • Day Care
  • Preschool
  • Day Camps
  • Elder Care

For a more extensive list of eligible items, check out our Eligible Expense List

Does the provider need to be a licensed day care?

Nope. The provider can be a friend, family member, nanny, or neighbor as long as the individual isn’t your spouse, child under the age of 19, or a taxable dependent of yours.  The non-licensed provider is responsible for reporting the income on their taxes.


Are there any age restrictions?

Yes. The Day Care FSA requires that the dependent must live with you and be 12 years old or younger. A dependent age 13 or older may be eligible if they cannot physically or mentally care for themselves and require care while you’re working.

Can I claim future services?

Navia understands that day care providers often require prepayments to reserve future services.  We will approve day care services up to one month in advance.  For example, if it is currently the month of July, you can submit day care services that will be incurred in the month of August.

How much should I elect?

If you need help estimating your out-of-pocket expenses, check out our eligible expense list to help estimate your out-of-pocket expenses. A good rule is to set aside funds for your predictable expenses so you can be sure to use your entire election amount within the plan year. If you do not use your entire election amount, the remaining funds are subject to the “Use-it or Lose-it” rule.

Use-it or Lose-It

The Day Care FSA is subject to the “Use-It or Lose-It” rule. This means that if you don’t use up your annual election within the plan year, your funds are returned to your employer and are not refundable.

Check your employer’s plan design to see if the optional Grace Period feature has been put in place to help reduce your risk of loss.

Grace Period

The Grace Period gives participants an extra 2.5 months at the end of the plan year to continue incurring expenses to put towards spending down your Day Care FSA balance. This is an optional feature so check your employer’s plan design to see if it’s included.

How do I access my Day Care FSA?

1. The Navia Benefits Debit MasterCard

The Navia Benefits Card will only load the amount contributed so far to your Day Care FSA. These funds can be used to pay for eligible expenses. When the card is used, funds will be pulled directly from your Day Care FSA and are paid to the provider. For more information on the debit card, click here.

2. The Online Claim Submission tool

If you’ve paid out-of-pocket and are requesting reimbursement you can use our Online Claim Submission Tool. You just need to fill out your claim information, upload documentation from your computer, and click submit! Login above to gain access to the online claim submission tool.

3. The MyNavia App

You can use the MyNavia App to submit claims right through your phone! Just enter your claim information and upload a photo of your documentation right from your phone’s camera. Learn more about the app!

You must be registered on our website to use the App, click the register button above to start the registration process.

4. Email or Mail

Fill out a claim form, attach your itemized documentation and email or mail your claim to Navia.

What type of documentation do I need to submit?

It is important to send the proper documentation that supports the claim. The IRS requires that the documentation shows the:

  1. Date(s) of service (Must fall within the plan year)
  2. Type of service provided (Examples: After school care, summer day camp, preschool)
  3. Cost of service provided
  4. Provider tax ID or SSN
  5. Name of dependent
  6. Age or DOB of dependent

Itemized bills or invoices from child care providers are usually sufficient forms of documentation. You do not need to show proof of payment. If your child care provider is an individual or does not give you an itemized bill/invoice showing the above requirements, please use our Day Care Service Form to serve as your documentation.

Still have questions?

Check out our FAQs or contact our customer service team