Dependent Care Account Customer Support

To help you better understand your Dependent Care Account (DCA), here is some helpful information and frequently asked questions.

How Does a DCA Work?

A DCA is used to reimburse yourself for eligible dependent day care expenses. Your contribution is withheld from your paycheck before tax, which in turn reduces your overall tax burden. For a step-by-step look at how a DCA works, check out this diagram.

How-To Videos

Watch how to file a reimbursement account claim online.

Watch how to file a reimbursement claim on our mobile app.

Dependent Care Account FAQs

How do I file a DCA claim?

You may file a claim for reimbursement through your online account or with AFmobile®. Simply log in to your account to get started, or download AFmobile from the Apple App Store or Google Play Store.

To mail your claim, complete a Dependent Care Reimbursement/Provider Acknowledgement Form and include all applicable receipts and documentation. Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

Eligible expenses generally must have been incurred during the current plan year. Check with your employer for specific rules applicable to your plan.

Once your claim and all required documentation have been received, the turnaround time for claims processing is generally 5-7 business days.

If you already have an American Fidelity online account, simply log in to access your reimbursement account(s). If you have not created an account, click here to register now. Then, follow the prompts to complete the registration process.

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The fastest way to receive your reimbursement is through direct deposit. Enroll in direct deposit online by logging in to your online account, selecting Access My FSA/HRA Portal, and selecting My Profile. Or, you may also elect to receive a mailed check.

The Internal Revenue Code determines annual contribution amounts. For 2018, you may allot up to $5,000 per tax year, or $2,500 if married and filing a separate return.

DCAs are “use or lose” accounts. This means, at the end of your plan year, the funds remaining in your account may be lost. Log in to your account to view your plan year start and end dates.

A DCA covers employment-related expenses for dependent care. These expenses must be services that allow you to go to work, and typically include day care and elder care for legal tax dependents. An HCFSA covers eligible medical expenses that you would otherwise pay for out of pocket.

Learn more about HCFSAs 

No. Contributed funds must remain in their designated account.

Qualifying expenses may include after-school care, summer day camp, and day care. For more information, check out our list of eligible expenses.

You may view your account information at any time by logging in to your online account. Then, select Access My FSA/HRA Account and click Claims Activity.

Internal Revenue Code (IRC) regulations have requirements stating that expenses must be substantiated. For DCAs, the information required may be provided by a third party in the form of a statement or receipt. To comply with IRC guidelines, we request documentation of your expense to prove its eligibility.

Yes! First, log in to your online account. Then, select Claims and Add Claim. To send a payment to a provider instead of reimbursing yourself, select Yes on the Pay Provider section of the claim form. Then, choose your provider name from the dropdown menu. If you don’t see your provider listed, select Add New Provider Record to add your provider. Enter your provider’s name, address, city, state, and zip code.

For additional assistance or to file a DCA claim, please log in to your account:

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