Flexible Spending Accounts (FSAs) are designed to save you money on your taxes. They work in a similar way to a savings account. Each pay period, funds are deducted from your pay on a pre‐tax basis and are deposited to your Health Care and/or Dependent Care Account. You then use your funds to pay for eligible health care or dependent health care expenses. Account Use For Contribution Health Care Medical, Dental, & Vision copayments deductibles, coinsurance, as well as first aid supplies, sunscreen, etc. $3,400 annual maximum Dependent Care Daycare, Preschool, Adult Daycare, After school programs, Day camp, etc. $7,500 annual maximum With FSA Without FSA Your taxable income $50,000 $50,000 Pre-Tax contribution to Health Care & Dependent Care Expenses $2,000 $0 Federal & Social Security Taxes* $15,000 $16,350 After-tax dollars spent on eligible expenses $0 $2,000 Spendable income after expenses $32,302 $31,650 Tax Savings with Medical & Dependent Care FSA $654 $0 *This is an example only and may not reflect your actual experience. It assumes a 25% federal income tax rate marginal rate and a 5.5% FICA marginal rate. State and Local taxes vary and are not included in this example. However, you will also save on any state and local taxes as well. Establishing Your Account Log onto www.sentinelgroup.com and hover over LOGIN in the upper right corner. Select FlexChoice in the “Individuals” category of the dropdown menu and click on “Create your new username and password under “New User?”. Questions? Call the Service Center at 888-762-6088 FLEXIBLE SPENDING ACCOUNTS 9 // 2026 Employee Benefit Guide