Apr/May 2011 vol 2

In This Issue

Reimbursement Account Portal Enhancements

Want Your Money Faster?

Update For MTA Riders

Your Opinion Counts

Recent FSA Changes

PO Box Change

Crosby's Reimbursement Account Portal User Enhancements

Changes Are Now Here

We are pleased to announce the rollout of our new Reimbursement Portal design. The new features, based on your feedback, are targeted to improve functionality and usability.

Below is a summary of the key changes and an image of the new Home screen:

1. New color scheme and workflow design.

2. A Last Known Login date/time stamp will be added to the top right of each screen.

3. User links will be grouped together on the Home screen:

· Enter New Claim

· Enter Help Tickets

· Order Debit Card (if applicable)

4. Claims Activity and Debit Card Transactions (if applicable) will be combined into one

"Manage Claims and Card Transactions" link.

5. The Claims screen will display multiple sub-tabs (based on plan design) including:

· Claims needing receipts for debit card transactions (if applicable) and Online claims

· Processed claims

6. In addition to the current ordering options on the Profile screen, the Home screen will have a link to order new Debit Cards for employees or their dependents and to report lost or stolen cards (if applicable).

These improvements are a direct result of the feedback we get when speaking to you. We thank you for your partnership in delivering this superior technology.

Want Your Money Faster?

File Your Claim Online and Take Advantage of Direct Deposit

Save time (and the cost of a stamp) when you submit your Medical and Dependent Care FSA claims online via MyCrosbyBenefits.com. Quick processing has always been a goal at Crosby and our turnaround time for claims processing has never been faster. Once a claim is received into our processing queue, you can expect your claim to be paid and distributed within about two business days (mail delivery, employer reimbursement schedules and bank processing times may vary).

Get Direct Deposit and receive reimbursements directly into the bank account of your choosing. Click here for more information about our Direct Deposit program.

We encourage our Reimbursement Account Holders to Go Green! Enroll Now to receive communications electronically (e.g. Debit Card, Claims Submitted, Denial Notifications).

Update For MTA Riders

Vouchers No Longer Accepted on LIRR & MNR After June 30th

The Metropolitan Transit Authority of New York (MTA) Long Island Railroad (LIRR) and Metro-North Railroad (MNR) recently announced that June 30, 2011 is the last day they will accept pre-paid vouchers, including Commuter Check vouchers, as forms of payment for both Mail & Ride accounts and purchases at ticket windows. Visit the MTA website for more information.

Compliments / Comments / Complaints

Your Opinion Counts . . . Submit a Survey to Crosby

When looking at ways to improve our systems, processes and overall service offerings, we value the feedback that comes from you. With your input, we can make more effective improvements. We appreciate your feedback and take it very seriously.

Please take a few moments to complete our participant survey to let us know what you think. If you don't have time now, you may access this form 24/7 via MyCrosbyBenefits.com.

Did You Know . . .

Recent Developments Related To Your FSA

♦ In February, the IRS reversed its position on breast pumps and supplies that assist in lactation? These items are now eligible for reimbursement through Flexible Spending Accounts IRS Ruling 2011-14. Crosby has made the necessary changes to processing rules and updated the CrosbyBenefits.com list of eligible medical expenses.

♦ There is a difference between a Letter of Medical Necessity (LMN) and a Doctor's Prescription? Some items eligible for reimbursement under a Medical FSA require a Letter of Medical Necessity (or a Medical Practitioner's Note) while others require a Doctor's Prescription. An LMN is a letter that explains the medical need for various medical services (click here for more information) while a Doctor's Prescription is generally an order from a physician that prescribes medicines or drugs. When submitting receipts for an FSA claim, one or both of these notices may be required for approved.

♦ Proposed legislation was recently introduced in the US Senate to eliminate the rule that many over-the-counter (OTC) items must be prescribed by a doctor in order for them to be eligible for reimbursement through an FSA, HRA or HSA? The proposed bill would also eliminate the $2,500 FSA maximum, set to become effective on January 1, 2013. We will keep you posted as information develops.

Visit SaveMyFlexPlan.org to learn more. SaveMyFlexPlan.org offers valuable tools and information related to changes in the FSA arena.

♦ In determining the amount of the Dependent Care Tax Credit, for taxable years beginning after 2002 and before 2011, a taxpayer may take into account $3,000 of employment-related expenses for one qualifying individual and $6,000 for two or more qualifying individuals? For taxable years beginning after 2010, the limits will change to $2,400 for one qualifying individual and $4,800 for two or more qualifying individuals.

Depending on the taxpayer's adjusted gross income (AGI), the taxpayer may receive a tax credit ranging from 20% - 35% of eligible employment-related expenses for taxable years beginning after 2002 and before 2011, and from 20% - 30% of eligible employment-related expenses for taxable years beginning after 2010.

PO Box Changes Coming Soon

Crosby Will Eliminate PO Box 929125 In June 2011

Effective June 30, 2011, FSA and HRA reimbursement requests should be mailed only to: PO Box 25172, Lehigh Valley, PA 18002-5172. We will no longer be receiving mail at PO Box 929125, Needham, MA 02492. Most participants already use this new PO Box, as we began our transition in January 2010.

Tuition Reimbursement requests should be mailed to: 27 Christina Street, Newton, MA 02461.

Visit us online at:
www.mycrosbybenefits.com

www.crosbybenefits.com

Crosby CONNECT is intended for Crosby Participants (employees of Crosby clients).

© 2011 Crosby Benefit Systems, Inc.