It’s a Pre-tax Benefits Monster Mash

Enroll in Pre-Tax Benefits this Spooky Season

Pre-tax benefits are a great thing to take advantage of whether you’re male or female, young or old…and alive or dead? For a little “Spooky Season” fun, we take a look at various monsters and match them up with the perfect pre-tax account to help employees see why they should enroll in pre-tax benefits.

Why should Dracula enroll in a Limited Purpose FSA?


It’s important to take care of your teeth.

If you accidentally bite down on a silver pendant necklace instead of your intended midnight snack, make a dentist appointment and keep those pearly whites sharp and pain-free (for him, that is).

A Limited Purpose FSA makes those dental bills less of a pain-in-the-neck. This account covers dental and vision expenses for himself, his many brides, and their offspring. Examples expenses include:

  • Dental cleanings, exams, and x-rays
  • Extractions, fillings, and oral surgery
  • Orthodontia (braces)
  • Dentures
  • Contact lenses and supplies
  • Eye exams
  • Prescription glasses/sunglasses
  • Corrective eyewear

…yeah, that doesn’t suck!


Dracula can also enroll in a Health Savings Account (HSA) to pay for his other medical expenses. So the next time he’s coffin up a storm, he can pick up some cold medicine.

And, since an HSA has triple-tax advantage and it’s his to keep, he can invest those funds to grow them faster and keep his account if he switches jobs.

Why should the Spider Queen enroll in a Dependent Care FSA?


Spider day care is expensive. When you’re a widow by your own accord, those costs fall solely on you.

With childcare costs for it continuing to rise, Spider Queen is worried that she’ll have to leave her lucrative job as a web designer to become a stay-in-web mom to care for her 750 spider babies.

She should enroll in her employer’s Dependent Care FSA. This account lets you use pre-tax dollars to pay for eligible child and adult care costs that enable you to work, look for work, or attend school. Funds are deposited into her account every paycheck. She has the flexibility to use those funds expenses such as:

  • Day care
  • In-home care, such as a Babysitter or au pair
  • Before- and after-school care
  • Nursery school


Why should the Sanderson Sisters enroll in a Commuter Benefit Plan?


Finding parking isn’t always the easiest thing in Salem, Massachusetts. And when you do find it, it can be pricey. (Tourist towns, am I right?)

To save on money when commuting to and from work, the Sanderson Sisters should enroll in their company’s Commuter Benefit Plan. With it, they can take advantage of both account types offered through it.

With a Parking Account, Winifred, Sarah, and Mary can use pre-tax dollars when they need to park their broomsticks on their commute to work. And on days when Massachusetts weather hits hard, they can use funds they put into a Mass Transit Account to commute via bus, train, or vanpool instead. Since these funds rollover from month-to-month and year-to-year (and their company partners with a quality TPA with flexible commuting options), they don’t have to worry about losing funds.


The Sanderson Sisters can download the SpotHero app to help them find available parking by their workplace. Then, they can use their benefits card to pay for it with pre-tax dollars.

Why should YOU enroll in pre-tax benefits?

Just like Dracula, the Spider Queen, and the Sanderson Sisters, you can enroll in pre-tax benefits. During this year’s Open Enrollment, be on the lookout for plans offered by your employer so you can start saving money on expenses you’re already paying for.