Know Your Dates

Plan Year -> January 1 – December 31

Incur expenses between -> January 1 – December 31

Submit expenses for reimbursement by -> March 31

Note: expenses are incurred on the date you receive the service, not the date you pay an invoice.

Using Your Plan

Register for an online account at bfgroup.wealthcareportal.com.

Pay for eligible expenses using your Burnham & Flower Benefits debit card.

Download the Burnham & Flower mobile app to manage your funds wherever you are.

Some Eligible Expenses

Health Care FSA	Dependent Care FSA
*Copay/coinsurance/deductible expenses *Medications (certain OTC + Rx) *Medical Equipment *First aid supplies *Menstrual products *Lactation supplies *Vision services + supplies *Dental/orthodontic services + supplies	*Child (9 to age 13) or adult/elder care *Preschool *Before/after school programs *Day Camp

Pro Tip! Come up with a system for saving receipts and substantiating claims so you don’t forget and end up losing your hard-earned money at the end of the year!

Seeing your doctor regularly can help manage chronic conditions; maintain good health and avoid more significant health issues.

Depression (major depressive disorder)

A common and serious medical illness that negatively affects how you feel, the way you think, and how you act. Learn More • www.psychologytoday.com

Diabetes

A long-term (chronic) disease in which the body cannot regulate the amount of sugar in the blood. Learn More • www.diabetes.org

Blood Pressure

Blood pressure numbers of less than 120/80 mm Hg are considered within the normal range. From there, you can be categorized as elevated, hypertension stage 1 or 2, or hypertensive crisis. Learn More • www.cdc.gov/bloodpressure

Back Pain

Physical discomfort occurring anywhere on the spine or back ranging mild to disabling. Back pain is considered chronic if it lasts three months or longer. Learn More • www.webmd.com/back-pain

Weight (Metabolic Disorders)

Metabolism is the process your body uses to get or make energy from the food you eat. A metabolic disorder occurs when abnormal chemical reactions in
your body disrupt this process. Obesity occurs when a person’s body mass index is 30 or greater. Learn More • www.nutrition.gov

Cholesterol

Your blood needs cholesterol to build healthy cells, but high levels can increase your risk of heart disease. You can develop fatty deposits in your blood vessels which can grow, making it difficult for enough blood to flow through your arteries. Learn More • www.heart.org

Dear Colleagues,

Below is the TIAA webinar information for the upcoming month.  To register, please click on the appropriate link or visit TIAA.org/webinars at any time.

Opening the doors to the future: Save in a 529 College Savings Plan

Planning on supporting a child, a grandchild, another loved one or yourself through college? Join us to learn how to invest in a 529 plan—a state-sponsored plan that provides tax advantaged saving for college costs.

Thursday, February 1, 2024 – 3:00 p.m. ET

Register here: https://event.on24.com/wcc/r/4429004/F9D9E1818F6D7E2EA1DAB5A7C81B7D89

Inside Money: Managing money and debt

Everyone talks about a budget, but how many of us actually use one? Most people have some debt, but how many of us understand its effects on our lives and futures? Let us show you the real impact of budgeting and debt—and how to help make your money work for you.

Tuesday, February 6, 2024 – 12:00 p.m. ET

Register here: https://event.on24.com/wcc/r/4434219/824DB0133DAA32E7C187FB01DB7D8DAC

She’s got it: A woman’s guide to saving and investing

Women face unique challenges when saving for retirement, such as making less, working fewer years and living longer. Let us show you how smart saving and investing techniques can help you overcome these obstacles to a secure and successful retirement.

Thursday, February 15, 2024 – 2 p.m. ET

Register here: https://event.on24.com/wcc/r/4434173/19FD672B4DF8468C0946FBAF445DB044

Gaining Insight: Navigating debt consolidations & understanding the mortgage process

Join our upcoming webinar to learn how to manage debt more effectively and how debt consolidation works. We’ll break down the process of obtaining a mortgage with an overview of each step, starting with how to find the right loan from a credible lender.

Wednesday, February 21, 2024 – 1:00 p.m. ET

Register here: https://event.on24.com/wcc/r/4434193/FBBE1661B1C50474AEC6616A09DF11C5

Be well,

Miasha Wilson

HR Manager

Dear Colleagues,

Below is the TIAA webinar information for the upcoming month.  To register, please click on the appropriate link or visit TIAA.org/webinars at any time.

Quarterly economic and market update: understanding volatility and recent trends

Hear from our chief investment officer about challenges investors are facing and tips on how to navigate them.

Wednesday, January 10, 2024

12:00 p.m. ET

Register here: https://event.on24.com/wcc/r/4424776/42118FAF2F24F5E8F997A3C562E21557

Invest for success: Five principles you need to know

Start the New Year off right! This webinar can help you understand the key principles of investing for retirement. From compounding to taxes to choosing investments, you’ll learn that how you invest for retirement is just as important as how much you save.

Tuesday, January 16, 2024

2:00 p.m. ET

Register here: https://event.on24.com/wcc/r/4424780/55EDEC762869A10AAD5F71F1585448FA

Take control of your financial life: Five steps to managing money and debt

Start the New Year off right! If you’re just starting out or want to improve your day-to-day financial skills, this webinar will help you learn how to manage your money and balance your priorities so you can enjoy life now and save for the future.

Thursday, January 18, 2024

3 p.m. ET

Register here: https://event.on24.com/wcc/r/4431683/BFEAC3141FA0C46990DFD3BD1701387B

Cybersecurity/identity theft protection for elders

Are you concerned about identity theft and your family’s security online? TIAA’s Information Security team will discuss how elders can protect themselves and their families from cybercriminal social engineering.

Wednesday, January 24, 2024

1:00 p.m. ET

Register here: https://event.on24.com/wcc/r/4428214/22581EAA24C67EABCEC4EFF4F9EBEE44

Be well,

Miasha Wilson

HR Manager

Below is the TIAA webinar information for the upcoming month.  To register, please click on the appropriate link or visit TIAA.org/webinars at any time.

Prepare for your future: A guide to saving and investing

Developed for anyone interested in making a comprehensive plan! This webinar covers core concepts of investment strategies, taking on life’s challenges, a financial personality type quiz and goal setting.

Wednesday, November 1. 2023

12:00 PM EDT

Register here: https://event.on24.com/wcc/r/4325978/091C1E36C64CAFBF1DA7BD6DA3BFD2A2

Create a legacy: Your guide to charitable giving

Understand the strategic differences between gifting during life or at death, the tax impacts of each and how to maximize your charitable donations. This webinar offers tips for choosing organizations to benefit and determining what asset type to donate.

Thursday, November 2, 2023

3:00 PM EDT

Register here: https://event.on24.com/wcc/r/4326010/C17BE5C8EE421A2BB13B092068325560

Take control of your financial life: 5 steps to managing money and debt

Learn how to manage your money and balance your priorities so you can enjoy life now and save for the future. This webinar covers balancing income and expenses, creating a spending plan, debt strategies and building your credit score.

Wednesday, November 8, 2023

2:00 PM EDT

Register here: https://event.on24.com/wcc/r/4326037/9681F47D2948CDA3099FEE038F8ABFA7

Invest for success: Fine-tuning your retirement strategy

If you’re in or near your peak earning years, move beyond the basics to build a secure retirement. This includes adopting a saving lifestyle, avoiding pitfalls that can sabotage your saving and planning carefully before retiring.

Wednesday, November 15, 2023

Noon EDT

Register here: https://event.on24.com/wcc/r/4326043/102AC817004BFDE391CBDCA955CCCF74

Each month we will post TIAA’s webinars here so that you can reference them. If there are any questions or concerns, please reach out to hr.benefits@kzoo.edu.