APRIL 2025

Money Matters

What’s the 4-1-1 on 401(k)?

Ready to grow your retirement savings? Check out the 401(k) page and the 401(k) FAQ for the 4-1-1!

A Lasting Legacy: 401(k) Beneficiary Designation

By appointing a beneficiary to your 401(k) account, you can ensure that your savings will end up in the hands of your loved ones. Please follow these instructions to log into your Transamerica account and designate your beneficiary:

  1. Visit the Transamerica website and log in to your account.
  2. Scroll down and click “View Details” next to your 401(k) plan.
  3. Hover over the “My Plan” tab and select “Beneficiaries”.

CuraLinc Savings Center

Visit the CuraLinc Savings Center. The SupportLinc Savings Center, powered by LifeMart, is a discount shopping program that makes everyday life more affordable with national and local discounts from well-known brands. Enjoy savings on:

      • Childcare
      • Travel
      • Tuition
      • Groceries
      • School supplies
      • Appliances
      • Major purchases like cars and vacations

If you are a first-time user, registration is required (no Member ID necessary). Returning users can sign in with their email and password.

Personalized Wellness Playlist

Taking control of your financial future starts with learning more. Transamerica offers personalized mini courses to make learning about personal finance easy and engaging! Explore interactive tools and expert insights tailored to every stage of life.

Understanding HSA vs. FSA

  • What is an HSA or FSA? These are pre-tax accounts you can use to pay for healthcare related expenses! You can pay for medical, dental, and vision co-pays and over-the-counter items.
  • How do they work? The accounts are funded by electing a total annual amount in Workday when you elect your benefits. Once you register, you will receive a debit card for eligible expenses.
  • Eligible Expenses: Find more information about eligible expenses here.

What is the difference between an HSA and an FSA?

Health Savings Account (HSA) Health Care Flexible Savings Account (FSA or HCFSA)
Administered by Health Equity CBIZ
2025 IRS Contribution Limits $4,300 (individual)
$8,550 (family)		 $3,300
Additional Contribution $1,000 for individuals over 55 N/A
Funding HSAs are not front loaded.

This means you fund the account throughout the year with each deduction from your paycheck. You only can use your contributions once they are deposited into the account.

 FSAs are front loaded.

This means funds become available on your benefits effective date, however the payroll contribution will come out of each check throughout the year.
Eligibility Enroll in the Bronze or Silver medical plan Enroll in the Gold medical plan or if you have waived medical coverage
Changes Can adjust contributions throughout the year Changes only allowed with a Qualifying Life Event
Rollover Unused funds roll over from year to year. The IRS has a strict “Use-It or Lose-It” rule – any remaining funds at the end of the plan year will be forfeited.
Enrollment For information on enrollment, check out this flyer! For information on enrollment, check out this flyer!
What do I do if I lost my card? Members can log into  my.healthequity.com to request a replacement/additional card under “Manage Cards”. You can also call 866-346-5800 to request a new card. Call into customer service at 800-815-3023 opt 4 or they can email cbizflex@cbiz.com. Or you can from their online account as well. There is a $5.00 replacement card fee, it is charged to the FSA account.

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