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, to December 31, 2021

Your enrollment for the Cafeteria Plan and Benefits Options will open: September 10, 2020
With a deadline to complete by: October 9, 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.

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:

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 insurance, dental or vision premium plans, as well as Flexible Spending Accounts “FSA” dependent care expenses, and out-of-pocket FSA medical expenses.

Login to complete your enrollment selections.  
As you make your Cafeteria Plan insurance selections, when you a qualifying benefit/insurance, you have the option to  selects the Cafeteria Plan, as your eligible insurance premiums may be deducted on a before tax basis. This will lower your W-2 reported wages by the amount of the premium(s) and give you an increase in spendable income.  Just elect to Participate in the Plan and your Premiums will be deducted on a pre-tax basis.

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


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.

For more information, click here.

  • 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 SABCFlex 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. (increased for 2020-2021 Plan Year). (ener a lesser amount if applicable.
  • Termination and Participation in the FSA Plan:   If I participate in the FSA Unreimbursed Medical and I terminated.  My benefit will terminate.  If I have a positive balance at the point of termination in FSA Medical, I may extend my option to participate in FSA Medical on a self-pay basis, as allowed by COBRA.   If I choose not to, or if I have a negative balance in my FSA Medical Plan, (meaning I have been paid more money then I have contributed, then I understand I am not eligible to continue to participate, as designed by the plan.  My benefit terminates as of the date of termination.  I may only be reimbursed for any FSA Medical, during the period of my employment, up to my term date.  I will be giving 30 to 60 days to incur any remaining funds in my FSA Plan after date of termination.
  • 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.
  • Your plan offers a 60 day run-out period to spending down remaining funds in your FSA Plan.
  • Following  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.

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.

How to Complete Your Enrollment?

To Complete your Open Enrollment, please enter the system by using the login and password information listed below. Once you have entered please follow the prompts.

Please login using your (SSN or Employee ID), (just numbers no dashes). Enter your date of birth as a 6 digit number, with MMDDYY, as your password. Do not use the year on the password.

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

Click here for more information about Online Enrollment

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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