Participant FAQs about Commuter Benefits

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1 What is the Commuter Benefit Program? This program provides you with a just-in-time online ordering system for transit and parking. By using this benefit, you can save on your income, social security and FICA taxes by paying for your commuting expenses with pre-tax dollars. Orders are made online, the purchase price is deducted from your paycheck and your passes are mailed directly to your home. Passes can be ordered for any amount. The amount of the pass up to the statutory limit (set forth by the IRS) will be withheld from your paycheck pre-tax. Any orders beyond the pre-tax limit will be withheld from the paycheck on a post-tax basis. How can I save money with this program? Employees are not required to pay income, Social Security or FICA taxes on money that is used to pay for commuting expenses. Assuming a combined tax rate of 30%, you can save more than $500 per year on transit expenses of $1,260. You can save another $960 per year on parking expenses of $2,400. That s like getting four months of commuting for free! What expenses can be pre-tax? Public transportation, vanpools or commuter highway vehicles, as well as parking at or near your place of employment are all eligible pre-tax expenses. In addition, parking at a location from where you commute to work by public transit, vanpool or carpool, is also a qualified expense. What are some sample eligible transit expenses? Fare cards: Monthly fare passes purchased from affiliated transportation authorities Vouchers: Vouchers used as means of payment for fare cards purchased directly from transit authorities Smart Card: Cards used for both parking and transit, including but not limited to: Atlanta Breeze Card Boston - Charlie Card Chicago Chicago Card Plus Houston Q Card Philadelphia Freedom Card San Francisco TransLink Card Washington DC - SmarTrip Card What other benefits does it give me? In addition to the tax savings, you will also benefit from the convenience of online ordering and home delivery. No more standing in line to buy tickets! No more waiting for reimbursements! Your desired fare passes or tickets will be sent directly to your home unless they are stored value cards. These cards may be purchased directly with the transit authority and loaded at the available kiosks. You can also set up your order to be automatically recurring, so you do not have to do anything unless you want to cancel or make a change.

2 What expenses aren't included in this program? The law excludes mileage, tolls, fuel and carpooling expenses from this program. Business travel and other reimbursed travel expenses are also excluded from this benefit. What are the monthly pre-tax limits? For 2007, the monthly pre-tax limits are $110 for transit and vanpool expenses and $215 for parking expenses. For 2008, the monthly pre-tax limits are $115 for transit and vanpool expenses and $220 for parking expenses. These limits are set by the federal government and are generally adjusted annually. You are allowed to participate in both transit and parking. How do I purchase my transit pass online? Go to click on "Login" on the left-hand side of the screen and enter your username and password. (If you are a first time user, click on "Register my account" and fill in the requested information). Click on the "Parking & Transit Orders" link. You are now on the Ordering Platform. Then click on Transit Order located on the left hand side. Select the Greater Metropolitan Area in which you commute. Select the applicable transit provider. Select your transit product (depending on the transit authority, the system may require you to enter your station route first in order to identify the pass type.) Enter your transit pass number (if applicable to your transit authority) and click Continue. Enter the value you wish to add to the pass, and transit pass number (if applicable). Enter the number of passes you wish to purchase and click Continue to confirm order. Identify if you would like to schedule this transaction as an automatic, recurring monthly purchase. Set your recurring options and click Purchase. Review your order for accuracy and click Return Home.

3 How do I submit a parking order online? There are three parking options available to you online via You may choose from Monthly Direct Pay, ParkCheks or Cash Reimbursement. Monthly Direct Pay Program PayFlex s Monthly Direct Pay program allows you to set up direct payment to your parking provider for your recurring monthly parking expenses. Go to click on Login and enter your username and password. (If you are a first time user, click on "Register my account" and fill in the requested information). Select Parking & Transit Orders. To pay your parking provider directly, you must have an existing relationship with that provider. Select Parking Order on the left-hand side and then click on Monthly Direct Pay. Using the search option, enter the name of your parking provider. Select your parking provider from the list. You are selecting the payment address for your parking provider which may not be the same as the location at which you park. Enter your parking lot address information and click Continue. Enter the amount to be paid to your parking provider and your account number. Check the acknowledgment box and click Continue. Set your recurring options and click Purchase. ParkChek Program ParkCheks are bank checks that are used to pay your parking provider for work-related parking expenses. Checks may be purchased for one or more types of parking, and you may use more than one check at any time. After receiving a ParkChek, simply provide the ParkChek as payment for your parking expenses. Please note that change will not be given by the parking provider in the event your ParkChek exceeds the parking amount. Go to click on Login and enter your username and password. (If you are a first time user, click on "Register my account" and fill in the requested information). Select Parking & Transit Orders. Select Parking Order on the left-hand side and then select ParkChek. Enter Parking Provider information. Enter the amount and quantity of ParkCheks needed to pay your provider and click Continue. Review your order, set your recurring options and click Purchase. Click Return Home. Your order is now complete and will be processed on the next cutoff date.

4 How do I submit a parking order online? (continued) Cash Reimbursement Program To receive reimbursements for parking expenses you are required to have remitted payment to your parking provider. You will need to elect a dollar amount to be withheld from your paycheck and contributed to your account. Go to click on Login and enter your username and password. (If you are a first time user, click on "Register my account" and fill in the requested information). Select Parking & Transit Orders. Select "Parking Order" on the left hand side and then click on "Enroll in Cash Reimbursement". Select the link next to Step 1 to set your parking election. Enter election amount, parking provider name, location and address and select Purchase. Review your election and set your recurring options. Click Purchase. Your election is now complete. For reimbursement, use Express Claims via to submit a claim online or fax a completed claim form and your receipt to PayFlex at When can I purchase my transit pass or monthly parking online? Passes may be purchased online at by clicking on the Parking & Transit Orders link. Monthly purchase cycles vary by employer and can run from the 21 st of one month until the 8 th of the following month. When will I receive my transit pass? Your transit pass will be mailed to your home address between the 18 th and 21 st of each month. Funds will be loaded and available on the Stored Value Transit Cards by 12:01 am on the 1 st of the benefit month. When will my parking location receive my monthly payment? Parking garages and lots are paid at the end of each month for the following months use. In rare instances where payment cannot be made to the lot directly, you will receive the payment directly which can then be given to the parking provider. What if I don t have a monthly parking location that is set-up to take payments directly from PayFlex each month? If your parking provider cannot take payments directly from PayFlex, you can still participate in the pre-tax benefit by enrolling in the Cash Reimbursement program. After you have paid for your parking and obtained a receipt, simply file your claim online using our Express Claims service available at

5 How do I pay for my transit pass or monthly parking purchase? PayFlex will notify your employer of your purchase and your employer will deduct the appropriate amount from your paycheck. Elections up to the IRS pre-tax limit will be deducted from your paycheck on a pre-tax basis. Any purchases made over the IRS limits will be deducted on a post-tax basis. Do I need to submit any receipts for transit passes? You do not need to submit any receipts when you order your passes online. Do I have to go online every month to purchase my transit pass? When you make your online purchase you have the option to schedule it as an automaticly recurring transaction. If you choose this option, your purchase will be automatically placed monthly. The only time you would need to go back online is to make a change or cancel your recurring purchase for a particular month. If you do not elect this option, then you would need to make your purchase each month. Can I order the exact pass I use now? We offer more than 10,000 different types of tickets and passes and most likely, we have exactly what meets your transit or parking needs. If you cannot find your provider, simply select the click here link located on the transit order screen. You can provide us with your transit pass information and you will be notified within 10 business days on the status of your request. Some requests may take longer. What happens if I lose my pass? Passes are non-refundable. You are allowed one non-delivered pass refund per calendar year assuming the pass was set to be mailed to the correct address, but just did not arrive. Instructions are located under the help link on the ordering platform. What happens if my pass doesn't arrive in the mail? If your pass does not arrive in the mail and you have provided a correct mailing address, simply follow the non-delivered pass refund instructions under the help link on the ordering platform.

6 Can I cancel my pass at any time during the month? Ordered passes and recurring order passes may be cancelled before the cycle close date. During the order cycle, transit orders placed are listed under the pending tab of the transit website. You may cancel your pass by following these steps: Log on to Click on the Parking and Transit Orders link Click on pending blue button at the top of the transit website Click on cancel to the right of the pass that you want to cancel Log out and log back in if the pass is no longer listed under pending, it has been cancelled What do I do if my address changes? If you have a change of address, please provide your new address to your employer immediately. PayFlex only accepts address changes from your employer. This address is where your pass will be mailed. You cannot change your mailing address online or by calling our call center. Is there a customer service number I can call if I have questions? Yes. Should you require assistance, please contact a customer service representative at (800) between the hours of 7:00am and 5:00 pm CT, Monday Friday. Beginning January 1, 2008, customer service representatives will be available 7:00am 7:00pm CT, Monday Friday.

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