Welcome to your open enrollment

This is your information guide for completing your Cafeteria Plan
selection for the new Plan Year.

About Your Cafeteria Plan Service Provider

Southern Administrators and Benefit Consultants, Inc., (SABC) is located in Ridgeland, Mississippi. Many of you will be familiar with them and the services they offer to various groups throughout the state of Mississippi.

Your Benefit Enrollment is Open

Cafeteria Plan Year: January 1, 2021 thru December 31, 2021

Your enrollment for the Cafeteria Plan and Benefits Options will open: November 16, 2020
With a deadline to complete by: November 30, 2020

Should you have any questions regarding your enrollment, feel free to contact us at (601)856-9933 or email us as admin@sabcflex.com.

Employer Instructions

COVID-19 Election Changes.

Internal Revenue Service (IRS) Notice 2020-29 and 2020-33 provides relief in respect to mid-year elections under a Section 125 Cafeteria Plan. For changes in this year “2020,” based on COVID19,  your change may be eligible for an add, increase or decrease  of the current 2020 year election for Unreimbursed Medical or Dependent Care Spending Accounts, as maybe required/needed during the COVID-19 pandemic.   Election changes are made prospectively only and require a Status Change form be completed and remitted to payroll. This option for election change may not go beyond the Plan Year end.

Contact Info:

Cafeteria Plan representative, Valerie Givens, SABC,  (601) 856-9933, email: vgivens@sabcflex.com


What is a Cafeteria Plan?

IRS code Section 125, allows employers to adopt a plan in which employees, through salary reduction, can pay for eligible benefits and medical or dependent care expenses on a pre-taxed basis.

Employees who purchase group insurance and other benefits through the company greatly reduces the cost, offering your employees a great benefit for their dollar. In addition, putting those benefits along with other allowed benefit (i.e. Dependent Care and Unreimbursed Medical expenses) under a qualified plan can offer a substantial tax savings for the employee and employer.

Your Plan includes:
Flexible Spending Accounts (FSA)

      Dependent Care Plans

    Unreimbursed Medical Plans

    Deductible Medical Expenses 2020

    OTC Drug List 2020

FSA Reimbursement Options

      Direct Deposit Form

How Your Plan Works

A Cafeteria Plan is a valuable benefit that allows you to pre-tax, (exclude from W-2 wages), eligible benefits such as; health, dental or vision insurance premium plans, as well as Flexible Spending Accounts “FSA” dependent care expenses, and out-of-pocket FSA medical expenses.

Time to login to complete your Cafeteria Plan enrollment selection(s).     

You will login to  the ADP program to complete your enrollment for the Cafeteria Plan.   Once in please walk through the steps and verify your payroll deducted benefits, complete and sign your form.  You may print a copy for yourself when you are done.

As you make your Cafeteria Plan selections, when you elect a qualifying benefit/insurance, your benefit will auto select the Cafeteria Plan and your eligible insurance premiums will be deducted on a before tax basis.  This lowers your W-2 reported wages by the amount of the premium(s) and gives you an increase in spendable income.

Once the Plan Year begins you will not be allowed to make any changes to your election unless you have had a qualifying Status Change event, as election under a Cafeteria Plan are irrevocable for the Plan Year, unless you qualify for a Status Change.

REMINDER:   Guess whats back?

Recently in May 2020, Congress passed the CARES ACT (COVID-3 Stimulus Bill), which included language to permanently reinstate coverage for over-the-counter drugs for FSAs and HSAs, without the need for a prescription.  That’s right?   OTC with medicine, (previously removed by the Obama Care) is back.  And with an added bonus.  They also included menstrual care products to the list of eligible items.  Check out our OTC list, on the left side of this postcard.

To be reimbursed, provide the cash register receipt that lists the products purchased.  It  should list the purchased product name, and may have an FSA code beside it.   The CARES ACT allows expense for 2020 back to January 1, 2020.  So be sure to count your OTC drug/item cost in for your Unreimbursed Medical FSA for 2021 Open Enrollment choices.

Note: OTC items in smaller drug stores/pharmacies will not have the item listed on the receipt.  As sometimes it just says OTC.  Therefore, you would have to attach to box top with price showing, and name of product, to identify the item for reimbursement.

FLEXIBLE SPENDING ACCOUNTS “FSA”            FSAs are voluntary choice option.

Dependent Care Expenses
If you have qualified dependents that require care while you and/or your spouse work, participation in this account will save you valuable tax dollars. Expenses include day care, after school care, nursery school, pre-school and summer day camp.

  • The deduction of Dependent Care offers each employee a tremendous tax savings. If you currently have these expenses, it may be to your benefit to take advantage of the plan. All requests for reimbursement are processed the same day they are received by SABC, (based on funds availability). Simply determine the election amount for the above Plan Year, for your Flexible Spending selection.
  • Elections cannot exceed the annual maximum for Dependent Care of $5,000 (filing a single or joint return) and $2,500 (married filing a separate return).
  • Just select the Dependent Care FSA option in the Open Enrollment and identify the Care cost you will incur for the Plan Year.  Care may include registration fees.


If you, your spouse or qualifying dependent(s) have medical expenses, which you have to pay out of pocket such as; medical deductibles, co-insurance, co-pays, prescription drugs, dental expenses or eye care expenses, you will save valuable tax dollars by participating in this spending account. Our plan has the following features:

  • FSA Unreimbursed Medical maximum, $2,750 Plan Year. (no change for 2021 Plan Year).
  • Based on the IRSs, definition of a dependent for Dependent Care and Dependent Adult “to” age 27 for Unreimbursed Medical).
  • Should you have Unreimbursed Medical funds remaining at the end of the Plan Year, your Plan offers a Grace Period. This is a 2 ½ month extension to incur medical expenses, which ends on March 15th, of each year, extending your benefit period. The extension is not eligible for employs who terminate.
  • Follow the close of the Grace Period, your plan offers a sixty (60) day run-out period, to request reimbursement for qualified expenses incurred during the benefit period.
  • If I participate in the FSA Unreimbursed Medical and I terminate, how is my Plan treated?    If  you participate in the FSA Unreimbursed Medical and terminate,  your benefit will terminate.  You must incur expenses within your  benefit period, (prior to termination), to be eligible to claim it.  However, if you have a positive balance at the point of termination in your FSA Medical, you may extend the option to participate in FSA Medical on a self-pay basis, as allowed by COBRA.   If you choose not to, or if  you have a negative balance in your  FSA Medical Plan, (meaning you have been paid more money then you have contributed to the Plan, then you would not be eligible for COBRA.  Your benefit will terminate as of the date of termination.  You may only be reimbursed for any FSA Medical, incurred during the period of your employment, up to your term date.  You will be giving sixty (60) days to incur any remaining funds in your FSA Plan after date of termination, unless you extend it as offered with COBRA.

If you sign up for FSAs,  make sure you provide SABC with your ACH Direct Deposit information.

Cafeteria Plan elections are irrevocable for the Plan Year. Once you have made your selection, you must have a qualifying Status Change in order to change your benefit, once the Plan has started.   Status Changes due to COVID19 are allowed.

How to Login to Flexible Spending Plan?

Note: If you are currently an FSA Participant, and have already registered with the SABCFlex Portal site, you may find it easier to login using the below option, and you may use your created User Login and Password.

Portal Login

Requesting FSA Reimbursements

There are several ways to request reimbursements from your flexible spending accounts. You may submit your claims via sabcflex.com

  • Fax to: (601) 856-8088
  • Customer service portal (Online registrations access)
  • SABCFlex Mobile app (Quick and convenient claiming)
  • Mail to: P.O. Box 2449; Madison, MS 39130-2449
  • Office pick up (Walk-ins accepted to 4:00 PM CST)
  • For Medical FSA, use the SABCFlex Card

For more information, Click here.

Mobile App

To learn more about SABC's
mobile app click this link.

Quick Links


This material is for informational purposes only. The information describes the Flexible Spending Account (“FSA”) in general terms. FSA plans are governed by the rules of Section 1 25 of the Internal Revenue Code and will be administered in accordance with those rules. Estimate fund amounts carefully. Unused funds will be forfeited as described in your plan document. In case of a conflict between your plan documents and the information in this material, the plan documents will govern. Please refer to your employer’s Summary Plan Description (“SPD”) for more information about your covered benefits. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about, go to SABCFLEX.COM


Our Flexibles Spending Account for Medical offered through SABC, offers a Debit Card for your convenience to use for your out-of-pocket Unreimbursed Medical Expenses. This card is called the SABCFlex Card. This card can be used for pharmacy prescriptions, medical doctor visits, (non-cosmetic), co-pays, co-insurance, deductibles, dental expenses (non-cosmetic), vision expenses and medical items. (No over-the-counter-drugs). Please note, this is not a paper free process, just easier to get your medical expenses paid at the point-of-sale. You will be notified by email, when it is necessary for you to provide documentation to validate your incurred expense to SABC.


After the swipe of your SABCFlex Card, you may later receive an email requesting you substantiate a card swiped medical expense. You will then need to provide SABC with a paper statement of services received, and/or (in many cases), an Explanation of Benefits from the insurance company based on the expense. Should you fail to do this, you will get another notification reminder to do so. (Giving you 50 days to validate a card swipe). Should you fail to do this, the card could be suspended until such time as the paper substantiation for the swipe has been submitted. To select the card option, you need only to choose it on ben360.

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