A Health Reimbursement Arrangement, or HRA, is your employer's promise to pay. This set of funds is generously provided by your employer to help you offset a portion of your out of pocket costs related to your medical and prescription related expenses. Let's take a look and review your funding details.

When enrolling in a HSA Qualified Health Plan, you're able to contribute to a health savings account. These accounts can often be opened with your local bank and in other cases are managed by a provider. Through an agreement with your employer, these tax-free dollars can be invested and managed. As account balances continue to grow, your account is able to grow tax deferred and qualified expenses are tax free.

Let's review the details of your HSA plan.

Your Flexible Spending Account allows you to set aside tax free dollars out of your paycheck to be used on any qualified 213D expense. This listing of eligible expenses is really broad, and you can review at irs. gov. The elected amount you set aside is available to you up front, which is great. And then you pay your level deduction amount across your pay periods.

In 2025, you can roll over a maximum of 660 from one planned year to the next, and this amount will likely increase slightly each year into the future. You'll document your receipts on a friendly mobile app or online and can save on every qualified expense by using these tax free dollars. Let's look at the details of this program.

Accidents happen. We've all been there. Accident Insurance provides financial assistance to you and has a payment schedule to cover a variety of injuries resulting from these unfortunate events. The payments are based on the care you need while being treated for your injury. Your coverages can stack on top of one another to provide a greater level of benefit.

At times, this can seem a little confusing. If you need assistance in a time of need, you contact your MetLife Support team and they are happy to help. Let's review the plan details.

Critical illnesses such as cancer, heart attack, or stroke can have a significant impact on your life and finances.

A critical illness plan provides a lump-sum benefit upon diagnosis of a covered condition, helping you manage the financial burdens associated with serious health issues. This benefit can be used for anything from medical expenses and treatment costs to daily living expenses and recovery support.

Let's explore the details of the critical illness plan available to you.

Getting to work shouldn’t break the bank. With commuter benefits, you can use pre-tax dollars to pay for eligible parking and transit costs—like train passes, bus fare, or a spot in your garage. It’s a smart way to cut commuting costs while saving money on taxes.

Your commuter benefit details are available below in your documents drive here on your Hub.

Legal matters can be complex, but having access to professional support makes all the difference. Through your benefits program, you have access to a legal plan that helps offset the costs associated with personal legal needs like estate planning, real estate transactions, family matters, and more.

These plans typically provide access to a network of attorneys who can offer guidance in person, over the phone, or online. Many include coverage for common legal matters with no deductibles, claim forms, or usage limits. Some plans may also offer reimbursement options for out-of-network attorneys.

Plan details, including coverage and costs, vary. For full details on your available options, visit the supporting documents drive in your benefit hub.

Identity theft is more common than you might think—one in three Americans has experienced an identity theft attempt. Fraudsters can steal personal information to open accounts, make purchases, or even commit crimes in your name, leading to financial loss and stress.

With your benefits program, you have access to an identity theft protection plan designed to help detect, prevent, and resolve fraud. These plans often include credit and identity monitoring, fraud alerts, and dedicated support to guide you through recovery if your information is compromised.

Some plans also offer reimbursement for certain out-of-pocket expenses related to identity theft, such as stolen funds or legal fees.

Coverage and plan details vary. To find out what’s available to you, visit the supporting documents drive in your benefit hub.

Life can be challenging—on and off the clock. Your Employee Assistance Program (EAP) gives you and your household access to free, confidential support for personal, emotional, financial, and legal issues. Whether you're facing stress, relationship struggles, or just need someone to talk to, help is just a phone call away.

Your EAP benefit details are outlined below in the documents section here on your Hub.

Taking care of loved ones is a big responsibility—and it can come with a big price tag. A Dependent Care Account (DCA) lets you set aside pre-tax dollars to help cover eligible daycare, preschool, summer camps, or elder care expenses. It’s a simple way to lower your taxable income and get support for one of life’s most important roles: being there for your family.

You can set aside up to $5,000 per year per household on a pre-tax basis, and the funds can be used as they’re accrued. You’ll find more details about program management and the mobile app in your documents drive here on your company’s Hub.