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Commuter Benefits

TRANSPORTATION & PARKING

If you have to pay to park your car during the workweek or take advantage of a subway, train, ferry, or other means of mass transit, this plan can help you!

 

The Commuter program allows you to pay for your work-related parking and mass transit expenses using pre-tax dollars. That means you’ll avoid paying payroll taxes (Federal, State, & FICA) and can save anywhere from 20-40% on these expenses!

Here's how it works:

Employees set aside a certain amount of each paycheck into an account- before paying income taxes on the money (which includes Federal, State, and FICA taxes). 

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During the year, participants can access this account for transit and parking expenses. Payments from these accounts are tax-free to employees. 

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Unlike the FSA benefit, these accounts have greater flexibility! There is no "use-it-or-lose-it" rule as long as you're enrolled. Unused funds can roll forward to the following plan year. Add additional post-tax funds to your account so that you only have to swipe once.


 

Pause, change, or cancel any time!

2022 Expense Limits

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You may elect to participate in both the Transit and Parking accounts.

 

The IRS contribution limits for 2021 are:

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  • $280.00 monthly maximum for Parking, and

  • $280.00 monthly maximum for Transit
     

for a total of $560.00 monthly if you elect to participate in both plans.

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**NOTE: These are two separate accounts. Funds may not be co-mingled. You cannot "borrow" from your Parking account to pay Transit expenses, and vice versa. Remember that these accounts are not pre-funded.** 

What expenses are eligible?

  • Transit passes

  • Bus

  • Train

  • Regional rail

  • Subway

  • Ferry

  • Vanpool*

  • Parking at or near work

  • Parking at or near public transportation

Use the NCA Benefits card instead of your own credit card or cash to pay for eligible expenses. Swipe and go!

*Individual Uber and Lyft rides are NOT eligible expenses, but UberPOOL and Lyft Line are eligible. Documentation must be provided with claims.

Learn more about

Commuter Accounts:

Getting Your Money Back


Submit your claim any of these easy ways!

  • Online at NCA Wealth Care Portal: northcoastadmin.wealthcareportal.com

  • Free mobile app (search NCA Benefits)

  • Fax to: 440-835-1188

  • Mail to:
    North Coast Administrators

       24700 Center Ridge Road, Suite 260

       Westlake, OH 44145                         

Check out our Claims page for more information!

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