Innovations in tax-free benefit plans

Flexibility. Security. Ease.
They add up to higher enrollment.

We average 25 to 30 percent participation in our Beniversal® medical and dependent care plans and 60 to 70 percent in our eTRAC commuter plans. More than 160,000 employees participate in our plans nationwide. Our clients say: it's employee satisfaction!

eTRAC® Card

Beniversal® Card

The technology that makes the difference

• Innovative, patent-pending, paper-free card technology— say goodbye to cumbersome claim forms and vouchers
• Easier for employees to use—no upfront cash, no waiting for reimbursements, no standing in line
• A snap for you to administer—spend minutes, not days, each month

Read about the difference our eTRAC Commute made for New York's Educational Broadcasting Corporation . . .

The alliance that delivers peace of mind—and nationwide reach

• Our MasterCard® International, Inc. alliance means employee funds are secure and guaranteed against loss or theft
• Employees in far-flung places? No problem! Benefit Resource eTRAC and Beniversal cards are accepted at approved MasterCard merchants

A full range of tax-free plans

Tax-free, easy ways to pay for expenses with our:

• eTRAC Commute— for workplace mass transit and parking expenses
• Beniversal Medical Spending Accounts—for medical expenses not covered by insurance, including over-the-counter items
• Beniversal Dependent Care Spending Accounts—for dependent care expenses
• Beniversal Health Reimbursement Accounts—for all medical expenses; the simplified way to implement consumer-directed health care
• Beniversal Health Savings Accounts—for employee accounts that can be funded with tax-free contributions from employees and employers