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VOYA Flexible Spending Accounts

Frequently asked employee questions related to Voya Flexible Spending Accounts General Who is Voya? Voya Financial, Inc. (NYSE: VOYA), helps Americans plan, invest and protect their savings — to get ready to retire better. What do I do if my debit card declines or doesn’t work? Ensure you have activated the card and have logged into the online portal to accept your terms and conditions. Within your profile, confirm you have the correct and most recent card by verifying the last four digits. Check your balance and verify via your activity that there are no pending transactions you have not accounted for. If you are using the card at a retail pharmacy, ensure the item is coded as FSA eligible. Still unable to determine the cause? Contact the Voya Health Account Services team at (833) 232-4673 or HASinfo@voya.com to verify the cause and best solution. Once I request reimbursement, how long does it take for my funds to be available? In general, if you have a bank account linked to your account this can take as little as 3 business days for the reimbursement to be posted. However, a check can take up to 7 business days to arrive. Reimbursement is dependent on if the claim documentation is approved for FSA and Commuter accounts. How can I grant my spouse access to my account? You may submit a Power of Attorney Form or an Authorized Representative Form. These forms can be found via the consumer portal or through your employer. Can I use my FSA to pay for medical expenses for a spouse or dependent? Yes, you may use your FSA funds without penalty to pay for qualified medical expenses for yourself, spouse, or dependent even if they are covered under another health plan. Please consult a qualified tax advisor for advice.

Flexible Spending Accounts (FSA) What are the current IRS contribution limits for FSAs? The IRS sets contribution limits annually. The 2023 maximum annual FSA contribution limits are as follows: Health FSA - $3,050; Limited Purpose FSA - $3,050; Dependent Care FSA - $2,500 (married and filing separate) and $5,000 (married or single parent). For Commuter Benefits, the IRS allows a monthly maximum of $300 for transit and $300 for parking in 2023. How do I change my FSA payroll deduction amount? FSA plans only allow changes to your election (that would in turn update your payroll amount) with a qualifying life event, such as the addition or loss of a qualifying dependent, or during your annual open enrollment period. Contact the Human Resources department at your employer for more information. Will my FSA funds rollover at the end of the year? Health FSAs are use-it-or-lose-it plans. Some FSAs offer a rollover feature that allows you to roll over up to $610 of unused FSA funds into the following plan year. Check to see if your employer offers this option. It’s important to plan accurately when selecting your contribution amount(s) and to ensure you know if your FSA plan allows a rollover. Who qualifies as a dependent? A person generally qualifies as your dependent for FSA purposes if you claim them as an exemption on your Federal tax return, even if they are covered under another health plan. Please see IRS Publication 502 (www.irs.gov/pub/irs-pdf/p502.pdf); for exceptions. Consult a qualified tax advisor for advice. Flexible Spending Accounts offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). Administration services provided in part by WEX Health, Inc. This highlights some of the benefits of a Flexible Spending Account. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any applicable agreements, Voya and WEX Health, Inc. reserve the right to amend or modify the services at any time. The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will affect tax savings. None of the information provided should be considered tax or legal advice. ©2022 Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). All rights reserved. CN2519831_1024 207851_1022

1The amount you save in taxes will vary depending on the amount you set aside in the account, your annual earnings, whether or not you pay Social Security taxes, the number of exemptions and deductions you claim on your tax return, your tax bracket and your state and local tax regulations. Check with your tax advisor for information on whether your participation will aect your tax savings. Prescriptions, glasses, deductibles, co-pays—it all adds up. Ease some of the burden by using tax-free funds to pay for these expenses with a Health Flexible Spending Account from Voya Financial.Tax-free funds; just what the doctor orderedWhat is a Health FSA?A Health Flexible Spending Account (FSA) is an employer-sponsored plan that allows you to use tax-free dollars to pay for eligible health expenses incurred while you’re participating in the plan.1CONTRIBUTE PRE-TAX FUNDS SPEND FUNDS TAX-FREE1Health Flexible Spending Accounts

Which expenses are eligible?Co-pays and coinsuranceDeductiblesPrescription medicationsLASIK surgeryGlasses or contact lensesOrthodontiaYour Health FSA can be used to pay for eligible medical, dental and vision expenses.2 For a full list of qualified healthcare expenses, visit irs.gov and see Section 213(d) of the Internal Revenue Code. Expenses that may qualify include:2023 Contribution Limit $3,0502 The list of eligible expenses are set by federal regulations and are subject to change. Contact your Plan Administrator for more information or visit www.irs.gov for details. Health Flexible Spending Accounts (FSAs) are accounts oered by Voya Benefits Company, LLC (in New York, doingbusiness as Voya BC, LLC). Administration services provided in part by WEX Health, Inc.

Before the plan yearBefore the plan year begins, you’ll estimate your upcoming expenses, select a contribution amount (up to the annual maximum) and enroll in your plan. Pre-tax contributions will be deducted in equal installments from each paycheck.During the plan yearDuring the plan year, you’ll be able to quickly and easily make payments for eligible expenses using pre-tax dollars. The entire contribution amount will be available for you to spend right away. Yet you’ll fund the account with equal, tax-free deductions throughout the year—one in each paycheck. You’ll use just one prepaid benefit card to pay, whether you have one Voya Financial flexible spending account or multiple accounts. Receipts are required, and you’ll be able to submit them using the online portal or mobile app. If you forget or are unable to use the benefit card, don’t worry; you can still get reimbursed. Simply use the app or online portal to request a direct deposit to your account.At the end of the plan yearAt the end of the plan year, you’ll review your actual expenses and re-enroll.Use the mobile app or online portal to monitor your account and ensure you’re on track to spend all of your funds.Then, consider whether you spent more or less than your total contribution amount. Was your contribution too small? Or too much?Use that information to update your annual contribution as you re-enroll, during your employer’s next open enrollment period.The funds in your Health Care FSA don’t roll over, so it’s important to accurately estimate your upcoming expenses. Remember, you must spend the entire balance before the end of the plan year. You’ll choose your contribution amount when you enroll during your employer’s open enrollment period. How to use a Health FSA Estimate upcoming health care expenses Identify an annual contribution amount Enroll in your plan Make tax-free contributions Pay for eligible expenses Submit receipts Get reimbursed Make sure you’ve spent your balance Review your estimated vs. actual amounts Re-enrollTo do:

Flexible Spending Accounts oered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). Administration services provided in part by WEX Health, Inc.This highlights some of the benefits of a Flexible Spending Account. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any applicable agreements, Voya and WEX Health, Inc. reserves the right to amend or modify the services at any time.The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will aect tax savings. None of the information provided should be considered tax or legal advice. ©2022 Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). All rights reserved. CN2523484_1024207906_1022Less hassle, more flexibilityWhen you choose a flexible spending account from Voya Financial, you get access to tools that make account management easy.Make the most of each paycheck by paying for healthcare expenses with tax-free dollars. Keep it easy by choosing a Health FSA from Voya Financial. Prepaid debit cardSpend tax-free dollars on eligible health, dependent care and/or commuter expenses using just one card. Smart card technology is coded into your card, so it can automatically pull funds from the proper account.Convenient mobile appCapture receipts, reimburse yourself for out-of-pocket expenses, view your account balance, complete transactions and more, all on the go with your mobile device.Secure online portalComplete the same tasks you can with the app — plus file claims, get email notifications and more through a secure consumer portal.

Health Account Solutions, including Health Savings Accounts, Flexible Spending Accounts, Commuter Benefits, Health Reimbursement Arrangements, and COBRA Administration offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). HSA custodial services provided by WEX Inc. For all other products, administration services provided in part by WEX Health, Inc. 01202023 Below are examples of eligible expenses for the following accounts: Health Flexible Spending Account, Limited Purpose Flexible Spending Account and Dependent Care Account .These lists are not all-inclusive and do not guarantee reimbursement. Please refer to the IRS-qualified medical expenses for a full list of expenses: IRS Publication 502. Please note that this publication may be updated at any time. The Voya Health Account Solutions mobile app has a feature to scan UPC codes for eligibility. There are some generic brands that are not in our database, so please refer to the IRS Publication 502 for a full list of qualified expenses. You can download the mobile app by searching “Voya Health Accounts” in your app store. You’ll be able to see all account activity, upload receipts, scan UPC codes, reimburse yourself for out-of-pocket expenses and more. Common Flexible Spending Account Expenses Eligibility List: Some expenses and services are eligible for a reimbursement with a prescription from a qualified healthcare professional and/or a Letter of Medical Necessity signed by your doctor. As part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, section 3702 allows FSAs to be used to purchase over-the-counter (OTC) medical products and medicines without a prescription from a physician. This applies to any expenses made on or before January 1, 2020. Exceptions may apply. Expenses/Services Eligibility Acne Medicine - Over the counter Eligible Acupuncture Eligible Adoption, pre-adoption related medical expenses Eligible Alcoholism Treatment Eligible Allergy and sinus medicine and products - Over the counter Eligible Ambulance Eligible Antacid - Over the counter Eligible Antibiotic ointment or strays - Over the counter Eligible Aromatherapy Not Eligible Flexible Spending Accounts - Eligible Expenses

Health Account Solutions, including Health Savings Accounts, Flexible Spending Accounts, Commuter Benefits, Health Reimbursement Arrangements, and COBRA Administration offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). HSA custodial services provided by WEX Inc. For all other products, administration services provided in part by WEX Health, Inc. 01202023 Artificial Limbs Eligible Artificial Teeth* Eligible Baby oil, powder, wipes, rash ointment - Over the counter Not Eligible Bandages - Over the counter Eligible Birth Control Rx / Letter Blood Pressure Monitor Eligible Blood Sugar Test Kits and Test Strips for people with diabetes - Over the counter Eligible Body Scans Eligible Breast Pumps and Lactation Supplies Eligible Carpal Tunnel Wrist Supports Eligible Chiropractor Eligible Cholesterol Test Kits Eligible Cold and Flu Medicine - Over the counter Eligible Contact Lenses and Solutions* Eligible Cosmetic Procedures or surgery, purely cosmetic Not Eligible Cosmetics, moisturizers, lotions, face creams Not Eligible Cough syrup, drops, throat lozenges - Over the counter Eligible Decongestants - Over the counter Eligible Dental Floss Not Eligible Dental Services (routine cleaning, fillings, tooth removal, x-rays)* Eligible Dentures and adhesives* Eligible Deodorant Not Eligible Diabetic supplies - over the counter Eligible Diagnostic services Eligible Drug Addiction Treatment Eligible Drug Overdose Treatment Eligible Drug Prescriptions prescribed by a licensed medical practitioner Eligible Eye Examinations* Eligible Eyeglasses, prescription and reading, equipment and cleaners* Eligible Face Lifts Not Eligible Feminine Hygiene Products Eligible First aid cream – Over the counter Eligible First aid kit Eligible Flu Shots Eligible Funeral Expenses Not Eligible Gauze and Gauze Pads - Over the counter Eligible Guide dog* or other service animal - buying, training and care Eligible Hand Sanitizer Eligible Hearing aids and batteries Eligible Hormone Replacement Therapy Rx / Letter Hospital Services and Fees Eligible

Health Account Solutions, including Health Savings Accounts, Flexible Spending Accounts, Commuter Benefits, Health Reimbursement Arrangements, and COBRA Administration offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). HSA custodial services provided by WEX Inc. For all other products, administration services provided in part by WEX Health, Inc. 01202023 Immunizations Eligible Incontinence supplies - Over the counter Eligible Infertility treatments Eligible Anti-itch cream, insect bite creams and ointments - Over the counter Eligible Insulin and related supplies Eligible Laboratory fees Eligible Lamaze Classes Eligible Laser eye surgery, Lasik* Eligible Laxatives, stool softeners - Over the counter Eligible Marijuana or any controlled substance in violation with Federal Law Not Eligible Masks Eligible Massage Therapy Rx / Letter Medical Gloves - Over the counter Eligible Medical Monitoring and testing devices - Over the counter Eligible Medical Record charges Eligible Midwife Eligible Missed appointment fee or late fees by healthcare providers Not Eligible Motion Sickness medicine - Over the counter Eligible Nicotine gum, patches - Over the counter Eligible Occlusal guards to prevent teeth grinding* Eligible Occupational Therapy Eligible Operations, non-cosmetic purposes Eligible Optometrist, Ophthalmologist* Eligible Organ donor, organ transplant Eligible Orthodontia Expenses* Eligible Pain relievers - Over the counter Eligible Physical Exams Eligible Physical Therapy Eligible Pregnancy tests - Over the counter Eligible Prenatal Vitamins, related expenses Eligible Prosthesis Eligible Radial Keratotomy Eligible Retin-A Rx / Letter Safety Glasses (Prescription)* Rx / Letter Sleep aids - Over the Counter Eligible Speech Therapy, for those diagnosed with a medical condition affecting speech Eligible Sterilization Eligible Sunscreen with 15+ SPF Eligible Supplies to treat a medical condition Eligible Surgery, non-cosmetic purposes Eligible Teeth whitening, bleaching Not Eligible

Health Account Solutions, including Health Savings Accounts, Flexible Spending Accounts, Commuter Benefits, Health Reimbursement Arrangements, and COBRA Administration offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). HSA custodial services provided by WEX Inc. For all other products, administration services provided in part by WEX Health, Inc. This highlights some of the benefits of these accounts. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any applicable agreements, Voya and WEX Health, Inc. reserve the right to amend or modify the services at any time. The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will affect tax savings. None of the information provided should be considered tax or legal advice. 1422629 01202023 Thermometers - Over the counter Eligible Vaccinations Eligible Varicose vein surgery Eligible Vasectomy, Vasectomy reversal Eligible Vitamins - Over the counter Rx / Letter Walking aids - braces, cane, crutches, walker Eligible Wheelchair Eligible X-Rays Eligible Common Dependent Care Expenses Eligibility List: Expense/Services Eligibility Activities Fees Not Eligible After School programs or Extended Day Programs, not educational in nature Eligible Au Pair expenses, services for children Eligible Babysitter Eligible Before - or after- school programs, not educational in nature Eligible Childcare expenses paid to a relative Eligible Clothing Not Eligible Dance lessons Not Eligible Daycare for children under 13 Eligible Daycare for dependent over 13 diagnosed with a disability and/or special need Eligible Elder Care Eligible Elementary, middle school, high school education expenses Not Eligible Field trips Not Eligible Food, meal expenses Not Eligible Household services (housekeeper, maid, cook, etc.) Not Eligible Kindergarten and higher education expenses Not Eligible Nanny expenses Eligible Nursery School Eligible Overnight Camp Not Eligible Preschool Eligible Summer Day camp, not educational in nature Eligible Tutoring Programs Not Eligible Volunteer work, expenses incurred to enable participant to volunteer Not Eligible

Flexible Spending Accounts offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). Administration services provided in part by WEX Health, Inc. This highlights some of the benefits of a Flexible Spending Account. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any applicable agreements, Voya and WEX Health, Inc. reserve the right to amend or modify the services at any time. The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will affect tax savings. None of the information provided should be considered tax or legal advice. ©2022 Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). All rights reserved. 01202023

Adjusted Gross Income Tax Credit Percentage$43,001 To No limit 20%$41,001 To $43,000 21%$39,001 To $41,000 22%$37,001 To $39,000 23%$35,001 To $37,000 24%$33,001 To $35,000 25%$31,001 To $33,000 26%$29,001 To $31,000 27%$27,001 To $29,000 28%$25,001 To $27,000 29%$23,001 To $25,000 30%$21,001 To $23,000 31%$19,001 To $21,000 32%$17,001 To $19,000 33% $15,001 To $17,000 34%$15,000 Or Less 35%Dependent Care Assistance Account & Federal Income Tax Credit ComparisonUnder the IRS code, two tax advantage options are available for dependent care expenses. You may use one or the other, or a combination of both, as long as you do not obtain pre-tax treatment and file for a tax credit on the same money. You should consult a qualified tax advisor to determine which option is best for you.Option 1: Dependent Care Assistance AccountOnce your Flexible Spending Account is established, you will receive a set of FlexExpress© Cards at your home address, via US Mail. The FlexExpress© Cards can be used like a credit card to transfer funds from your Flexible Spending Account(s) directly to the health or day care provider, to pay your eligible out-of pocket expenses. Benefit Strategies may also ask you to send in this documentation to substantiate that a reimbursement was for an eligible expense incurred during the plan year.Option 2: Federal Income Tax CreditYou are allowed to take a credit on your personal taxes, for the work-related child and dependent care expenses you incur. The maximum expense that may be considered is $3,000 for one qualifying dependent or $6,000 for two or more. However, only a percentage of these expenses may be deducted. The percentage depends on your adjusted gross income (or joint adjusted gross income if you and your spouse file a joint return.) You may take a credit of between 20% and 35% of your dependent care expenses, as shown on the chart below.

Your dependents—your children, aging parents, or family members with special needs—rely on you for care, even when you’re not around. Save money on those services with a dependent care flexible spending account.Save on care for the ones you care about mostDependent Care Flexible Spending Accounts1 The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will aect tax savings. None of the information provided should be considered tax or legal advice. 2 The list of eligible expenses are set by federal regulations and are subject to change. Contact your Plan Administrator for more information or visit www.irs.gov for details. What is a Dependent Care FSA? A Dependent Care Flexible Spending Account (FSA) is an employer-sponsored plan that allows you to use tax-free dollars to pay for eligible dependent care expenses2 incurred while you’re participating in the plan.1CONTRIBUTE PRE-TAX FUNDS SPEND FUNDS TAX-FREE1

Which expenses are eligible? To qualify, expenses must be related to the care of a dependent child (under age 13, or any age with special needs) or dependent adult, and must enable you to work or attend school full-time. For a complete list of restrictions and qualified expenses, refer to IRS Publication 503: Child and Dependent Care Expenses.Expenses that may qualify include:2023 Contribution Limits$5000(MARRIED OR SINGLE PARENT)$2,500(MARRIED EMPLOYEE FILING SEPARATELY)ADULT DAY PROGRAMSIN-HOME CARESUMMER DAY CAMPDAYCAREAFTER-SCHOOL CAREPRESCHOOL

Before Open EnrollmentBefore your employer’s open enrollment period, take time to accurately estimate your upcoming expenses. Use that estimate to identify a contribution amount.During the plan yearDuring the plan year, you will be able to quickly and easily make payments for eligible expenses using pre-tax dollars. Unlike Health FSAs, the funds are available as they are contributed and the annual election amount will not be available for you to spend right away. You will fund the account with equal, tax-free deductions throughout the year—one in each paycheck.You’ll use just one debit card to pay, whether you have one Voya Financial flexible spending account or multiple accounts. Receipts are required, and you’ll be able to submit them using the online portal or mobile app. If you forget or are unable to use the card, don’t worry; you can still get reimbursed. Simply add a bank account to your account profile and use the app or online portal to request a direct deposit.At the end of the plan yearAt the end of the plan year, you’ll review your actual expenses and re-enroll. Use the mobile app or online portal to monitor your account and ensure you’re on track to spend all of your funds. Then, consider whether you spent more or less than your total contribution amount. Was your contribution too small? Or too much?Use that information to update your annual contribution as you re-enroll, during your employer’s next open enrollment period.How to use a Dependent Care FSA Estimate upcoming dependent care expenses Identify an annual election amount Enroll in your plan Make tax-free contributions Pay for eligible expenses Submit receipts Get reimbursed Make sure you’ve spent your balance Review your estimated vs. actual amounts Re-enrollTo do:The funds in your Dependent Care FSA don’t roll over, so it’s important to accurately estimate your upcoming expenses. Remember, you must spend the entire balance before the end of the plan year. Select that contribution amount when you enroll, during your employer’s open enrollment period.

Less hassle, more flexibility Prepaid debit cardSpend tax-free dollars on eligible health, dependent care and/or commuter expenses using just one card. Smart card technology is coded into your card, so it can automatically pull funds from the proper account. Convenient mobile appCapture receipts, reimburse yourself for out-of-pocket expenses, view your account balance, complete transactions and more, all on the go with your mobile device. Secure online portalComplete the same tasks you can with the app—plus file claims, get email notifications and more through a secure consumer portal.When you choose a flexible spending account from Voya Financial, you get access to tools that make account management easy.Make the most of each paycheck by paying for dependent care expenses with tax-free dollars. Keep it easy by choosing a Dependent Care FSA from Voya Financial. Flexible Spending Accounts oered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). Administration services provided in part by WEX Health, Inc.This highlights some of the benefits of a Flexible Spending Account. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any applicable agreements, Voya and WEX Health, Inc. reserve the right to amend or modify the services at any time.The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will aect tax savings. None of the information provided should be considered tax or legal advice.©2021 Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). All rights reserved. 1596245 207908-04152021

FLEXEXPRESS © Debit CardWhat is the FLEXEXPRESS © Card?The FlexExpress© Cards look like typical credit cards. They are special cards, that provides you with easy access to your Flexible Spending Account(s) to pay your IRS qualified health and daycare expenses right at the point-of-sale on the date the services were incurred. The cards will only be accepted at specific healthcare providers such as physician and dental oces, pharmacies, hospitals, chiropractors, optometrists, etc., or dependent day care provider locations. The FlexExpress© Cards are issued by Benefit Strategies under the VISA system.How the FLEXEXPRESS© card works:Once your Flexible Spending Account is established, you will receive a set of FlexExpress© Cards at your home address, via US Mail. The FlexExpress© Cards can be used like a credit card to transfer funds from your Flexible Spending Account(s) directly to the health or day care provider, to pay your eligible out-of pocket expenses. Benefit Strategies may also ask you to send in this documentation to substantiate that a reimbursement was for an eligible expense incurred during the plan year.Please Note: Your cards will be re-loaded each year, after you make a new election, please keep your cards!What is eligible and what is not eligible for reimbursement with the FLEXEXPRESS© card?Eligible expenses are defined as medically necessary charges you, your spouse, or dependents have incurred during the plan year, which will not be reimbursed by insurance. You are responsible for the use of your FlexExpress© Cards. The cards are to reimburse only IRS eligible expenses incurred during the plan year. Be careful not to misuse the cards for ineligible expenses or for expenses incurred outside of the plan year. If the cards are used for any ineligible expenses, you will be required to return the funds to the plan. Misuse may result in the cards’ permanent revocation. What needs to be kept for tax records?The IRS requires you to keep all documentation associated with your purchases using the Cards. You may be required to verify eligibility of claims by submitting documentation to Benefit Strategies. Documentation must show: the date the expense was incurred (not the date paid), the amount of the expense that you are responsible for, the service provider, and a description of the service/expense.Online account informationYou may visit our web site at www.benstrat.com to view your account for transactions and balances. New users can access their account by creating their own username and password using the “New User?” link. Existing users can log on using their existing login criteria. Usernames and passwords can be reset by the user using the “Forgot Username or Password?” links.What to do if your cards are lost or stolen, or to receive additional sets of cardsE-mail info@benstrat.com or call Benefit Strategies at 1-888-401-FLEX (3539). There is a $5.00 replacement fee for each set of cards.

Consumer portal quickstart guide Voya Health Account SolutionsWelcome to the Voya Health Account Solutions Consumer Portal. This one-stop portal gives 24/7 access to view information and manage your Health Account Solutions. In the following pages, find information on how to:• File Flexible Spending Accounts (FSA) Health Reimbursement Accounts (HRA), Parking Account claims and HealthSaving Accounts (HSA) distribution online.• Upload receipts and track expenses• View up-to-the-minute account balances• View account activity, claims history and payment (reimbursement) history• Report a lost/stolen card and request a new one• Update personal profile information• Change login ID and/or password• Download plan information, forms, and notificationsIf you have questions about your accounts(s), contact the Voya Health Account Solutions team: Phone: 888-401-3539 Live customer support 24/7 Fax: 603-647-4668Email: HSAinfo@voya.comMail: Voya Financial Consumer ServicesPO Box 1300 Manchester, NH 03105@

How do I log onto the home page?1. Go to Benstrat.navigatorsuite.com2. Enter your username and password3. Click LoginNote: The first time you login, click the “Get Started”button. Follow the instructions to verify your identity.Once you enter your information, an email will be sentto the email address associated with your account.Use the one-time passcode to create your usernameand password, and setup your security questions. Youwill have 60 minutes to use the one-time passcode. Ifno email is associated with your account, you willreceive an error message to call Voya ConsumerServices to add an email and complete registration.For HSAs, you will need to read and accept the Termsand Conditions as well.The Home Page is easy to navigate:• The I Want To section contains the most frequentlyused features for the Consumer Portal.• The Tasks section displays alerts and relevant linksthat allow you to keep current with your accounts.• The Accounts section links to your Accounts,Investments, and Profile.• The Recent Transaction section displays the last threetransactions on your account(s).• The Quick View section shows some of your keyaccount information.You can also hover over the tabs at the top of the page.

How do I file FSA, HRA or Parking Account claims and upload a receipt?You can submit the claim via the online portal, the mobile application, or the Reimbursement Request Form.1. On the Home Page, click Reimburse Myself or SendPayment under the “I want to…” section, or from anypage on the portal, expand the Accounts tab on thetop of the screen.2. The claim-filing wizard will walk you through therequest, including entry of information, payee details,and uploading a receipt.3. For submitting more than one claim, click Add Anotherfrom the Transaction Summary page.4. When all claims are entered in the TransactionSummary, agree to the terms and conditions and clickSubmit to send the claims for processing.5. On the claim confirmation page, you can print eachclaim confirmation form as a record of yoursubmission. If you did not upload a receipt, you canupload it from this screen or print a ClaimConfirmation Form to submit to the administrator withthe required receipts.Note: If you see a Receipts Needed link in the Taskssection of your Home Page, click on it. You will betaken to the Claims page where you can see theclaims that require documentation. You can easilyupload the receipts from this page. Click to expand theline item to view claim details and the upload receiptslink. To validate your claim, submit a receipt with thedate(s) of service, type(s) of service, cost of service(s),and merchant name/information.How do I view current balances and account activity?1. For current account balance only, on the Home Page,see the Accounts section.2. For all account activity, click on the Accounts tab fromthe Home Page to bring you to the Account Summarypage. Then, select the dollar amounts for more detail(click on the amount under Available to view balance).Note: You can see election details by clicking toexpand the line item for each account.

How can I view all healthcare expense activity in one place?1. From the Home Page, under the Accounts tab, clickExpenses. The Expenses page provides you with aneasy-to-use consolidated view of healthcare expensesfor ongoing management of medical claims, premiums,and card transactions.2. Easily filter expenses by clicking on the filter optionson the navigation pane on the left side of the screenor by clicking on the field headers within the Expensespage.3. Expenses can be exported into an Excel spreadsheetby clicking on the Export Expenses button on the topof the page.Note: You can toggle between the Healthcare andNon-Healthcare expenses summary pages.How do I add an expense?1. From the Expenses page, click on the Add Expensebutton on the top of the page.2. Complete the expense detail fields. You can upload acopy of the receipt and add notes for your records.3. Once the expense has been added to the Expensespage, you can pay the expense if you choose.Tip: Select all the recipient(s)/patient(s) associated withthe expense.How do I pay an expense?1. You may process payments/ reimbursements forunpaid expenses directly from the Expenses page.2. Expenses will be categorized and payment can beinitiated for unpaid expenses by clicking on the buttonto the right of the expense details.3. Choose which expenses you would like to pay.Eligible accounts to pay from will be available to view.4. When you click Pay, the claim details from theExpenses page will be pre-populated within the claimform. Review and edit the claim details as needed.5. You will have the option to either request areimbursement to yourself or pay the provider.

How do I edit an existing expense?1. You can edit expense details for all claim statusesdirectly from the Expenses page.2. Expand the claim details visible by clicking on theexpense line item from the Dashboard.3. You will see options to add expense notes, updatethe expense details, mark the expense as paid/unpaid,or remove the expense.How do I view my claims history and status?1. From the Home Page, under the Accounts Tab, clickon Claims. You can apply filters from the top of thescreen. You can filter by plan year, account type, claimstatus, or receipt status.2. By clicking on the line of the claim, you can expandthe data to display additional claim details.Did you know? For an alternative perspective, youmay also view claims history and status for all claimtypes, including dependent care on the Expensespage. You can apply filters from the top of the screen.Filter options on the dashboard screen include:expense type, status, date, recipient, or merchant/provider. You may also search for a specific expenseby entering a description into the search field.

How do I view my payment (reimbursement) history?1. From the Home Page, under the Accounts tab, clickPayments. You will see reimbursement paymentsmade to date, including debit card transactions.2. By clicking on the line of a payment, you can expand itto display additional details about the transaction.How do I report a debit card missing and/or request a new card for myself or a dependent?1. From the Home Page, under the Accounts tab, clickBanking/Cards.2. Under the Debit Cards column, click Report Lost/Stolen or Order Replacement and follow instructions.How do I update my personal profile?1. From the Home Page, under the Accounts tab,click Profile Summary. Here you can update yourprofile information, add beneficiaries, and see yourdependent information.2. Click the appropriate link for you. Some profilechanges will require you to answer an additionalsecurity question.3. Complete your changes in the form.4. Click Submit.

How do I get my reimbursement faster?The fastest way to get your money is to sign up online for direct deposit to your personal checking account. Before you begin, make sure that your employer is oering direct deposit setup online.1. From the Home Page, under the Tools & Support tab,click Change Payment Method under the “How Do I”section.2. Select the Update for the appropriate plans. ThePayment Method/Update Payment Method pagedisplays.3. Select Direct Deposit and Update Bank Account.4. Enter your bank account information and click Submit.5. The Payment Method Changed confirmation displays.6. If there is a bank validation requirement, you will benotified on the portal to look for a small transactionor “micro- deposit” in your designated bank account inthe next couple of days to enter online, which willvalidate your account.How do I change my login and/or password?1. From the Home Page, under the Accounts tab,click Login Information.2. Follow instructions on the screen.3. Click Save.

Health Account Solutions, including Health Savings Accounts, Flexible Spending Accounts, Commuter Benefits, Health Reimbursement Arrangements, and COBRA Administration offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). Custodial services provided by an approved HSA custodian as indicated in the applicable custodial agreement. For all other products, administration services provided in part by WEX Health, Inc.. This highlights some of the benefits of these accounts. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any ap-plicable agreements, Voya and WEX Health, Inc. reserve the right to amend or modify the services at any time. The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will affect tax savings. None of the informa-tion provided should be considered tax or legal advice. Investments are not FDIC Insured, are not guaranteed by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC), and may lose value. All investing involves risks of fluctuating prices and the uncertainties of return and yield inherent in investing. All security transactions involve substantial risk of loss. ©2022 Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). All rights reserved. CN1967261_0324 210103-03012022How do I view or access:Documents and Forms1. From the Home Page, click the Tools & Support tab.2. Click any form or document of your choice.Notifications1. From the Home Page, click the Message Center tab.2. Click any link of your choice. You will be able to view and archive current documents, as well as reference documentsarchived previously.3. You can also Update Notification Preferences by clicking on the link next to Notifications.Plan Information1. On the Home Page, under the Accounts Tab, click the Account Summary page.2. Click onto the applicable account name and the Plan Rules will open in a pop-up window. From the Home Pageunder the Tools & Support page, you may view Plan Summaries for basic information. Then click each applicable planto see the plan details.

Mobile app quickstart guide: Reimbursement accounts Voya Health Account SolutionsWelcome to your Voya | Benefit Strategies mobile app. Our mobile app gives you 24/7 access to view information and manage your reimbursement and rewards accounts. • Submit claims for medical and dependent care FSA, HRA, transportation, tuition, and premium reimbursement plans.• Snap a photo of a receipt and submit with a new or existing claim, or store in your camera roll for claim filing.• Use the Eligible Expense Scanner to scan items to determine if you are qualified medical expenses before you get to the checkout lane.• Access your account funds to pay yourself or someone else such as doctor.• Add and store information on new payees.• Enter and view expense information and receipts.• Report a debit card as lost or stolen.This guide will help you explore the functionality of the Voya | Benefit Strategies Mobile App• Get started with Voya | Benefit Strategies Mobile App in minutes.• Download our mobile app for your chosen device from the Apple App Store or Google Play and log in using the password you use to access the Voya | Benefit Strategies Consumer Portal.

How to Login to the Mobile App1. Use your username and password to access the consumer portal is entered to log into the app.2. First-time users will be prompted to enter their username and password and create a four-digit passcode when they open the app.3. If you have never logged into the system, you can create a username and password on the Mobile App. The New User? Set up your account button appears on the Mobile App login page.Helpful Tip: There is a ten limit maximum allowed attempts and usernames must be unique. When you attempt to change the username on the Mobile App, the system checks the uniqueness of the username. If it is not unique it is considered an unsuccessful attempt to change the username and is counted toward the ten limit maximum. If you exceed the allowed attempts to change the username on the Mobile App, access is locked, and you will be advised to contact us.

Manage expense activity in one place To view and manage all healthcare expense activity from every source, use the View Account Snapshot.• Account details.• Claim details.• Account snapshot.

Filing Claims in the Mobile AppYou can file claims and submit associated receipt images.• If you have multiple plans to file against, you can tap the File A Claim button and then choose from a list of existing plans. If you have only one plan that can be filed against, you must tap the File A Claim button and then select a payee or fill out the claim form.Note: If you do not have a dependent set up, the app will display a message indicating that a dependent is needed to file a claim against the Dependent Care plan.Note: The Claim Submitted page also shows any denial letters were generated during claim submission.

Adding Receipts to Debit Card ClaimsThe Claims Requiring Receipts page displays the number of debit card claims requiring receipts, if applicable. This list does not display if there are no receipts required. This function is the same as the Action Required alert on the Consumer Portal home page.• By clicking on the line of a payment, you can expand the data to display additional details about the transaction.• Tapping the envelope icon displays the Claims Requiring Receipts page.The Claims Requiring Receipts screen displays all claims requiring receipts. This function is the same as on the Consumer Portal home page, where it displays the claim Receipt Status (Required or Overdue) or one or more repayments in a Pending status. The following information is displayed:• Claim Amount• Date of Service• Merchant/Provider• Recipient• Plan Name/Plan Year Name• Claim Status• Receipt StatusNew Receipt and View Receipts• If the claim receipt status is Required or Overdue, a New Receipt list item displays. Tapping this list item displays the New Receipt screen.• If there are one or more receipts associated to the claim, they display in the list. Tapping a receipt list item allows you to view the receipt image file.Android: The receipt image file is temporarily downloaded to the device and, when fully downloaded, the app attempts to find another app to view it. The native Gallery app is capable of viewing JPG and GIF images, but PDF files may only be viewed if a compatible app is installed.iOS: The receipt image file is temporarily downloaded to the device and, when fully downloaded, it is displayed in the app. Only JPG and GIF images may be viewed; viewing PDF files is not supported in the iOS app.

Adding Receipts to Claims ContinuedThe Receipt screen activates the device’s camera (if available) and allows a photo to be taken of a receipt and submitted. The first screen activates the camera and allows the picture to be taken. When taken, it is previewed on the second screen, where you can submit it or opt to retake it.1. Selecting photos will bring up your gallery of previously taken pictures and allow you to select one.2. Tapping the Upload Receipt (Android) or Receipts (iOS) link activates the device’s camera (if the device has a camera) and allows a photo to be taken of a receipt and submitted. The first screen activates the camera and allows the picture to be taken. When taken, it is previewed on the second screen, where you can Use or Retake it.3. Click Use to submit the receipt image. Submitting the receipt associates the receipt to the claim and makes it viewable on the mobile app.4. You can preview and remove a receipt image before uploading it from the mobile app. By tapping Attached Receipt, you have the option to view or remove the receipt.

Initiate Repayments from The Mobile AppTo initiate a repayment, the following conditions must be met:• You must have an active bank account.• A repayment cannot be partially paid.• You cannot repay provider repayments.If you have a repayment, you will see a new message in the Tasks section on the Mobile App Home page. The repayment details an amount will be visible on the Mobile App, but you will be directed to the Consumer Portal to make the actual repayment.1. Tap on the Action Required message.2. Tap on a claim in the Pending Repayments section to view the claim and repayment details.3. Tap Make Repayment.4. Tap Next to initiate the repayment process using the active bank account.5. Accept the Repayment Disclaimer agreement by selecting the "I have read..." option and tapping Agree.

Mobile App Receipt Organizer1. Tap View and Upload Receipts. 2. Tap the Add button. 3. After upload, a success message appears. Tap OK.Use an Image from the Receipt Organizer1. Tap the Receipt Organizer option when filing a claim in the Mobile App and choose the appropriate photo for the transaction.2. After the transaction has been completed, a Used icon appears in the right corner of the receipt image.Note: Receipt images can be removed at any time. If you have used the receipt before, the receipt will not be removed from the claim even if the image is removed from the Receipt Organizer.

Add a Label to a Receipt ImageOnce an image is uploaded in the Mobile App Receipt Organizer, you can tap the three dot menu on the photo to add or edit the label.Label text then appears on the bottom of the image.To make uploading receipts easier, you can upload PDF files and files from cloud storage platforms such as Dropbox or Google Drive when you are adding receipts to claims.• Android: The existing Photos option is replaced by Photos and Documents when uploading receipts.• iOS: A new Documents option is available when uploading receipts.Document upload requirements:• File formats can be .jpg, .gif, .png, or .pdfs from the device storage or cloud storage apps installed on the mobile device• File size limit is 8 mb (5 mb for IDV upload)Manage ExpensesYou can tap Manage Expenses on the Mobile App home page to see a consolidated list of your out-of-pocket expenses, pay medical expenses, and review partially paid expenses directly from the Dashboard. The Mobile App Dashboard displays the following types of expenses:• All claims• Debit card transactions• HSA DistributionsActions Available on the Dashboard• Create New Expense - tap the Create New Expense button and fill out the improved expense form.• View non-expense item - tap a non-expense item (claim, HSA distribution, etc.) to see the details page for that transaction.• Pay Expenses - You can use the mobile app to pay manually- created expenses.

• Update Expense – You can edit an expense that has a payment associated with it or add notes.• Remove Expense - You can delete an expense.• Paying a Manually-Created Expense from the Dashboard.1. Taps a payable expense.2. The Expense Detail screen appears, tap Pay.3. The Pay Expense screen appears, tap the account you wish to use.Mark Expense as Paid or UnpaidYou can mark an expense as paid or unpaid in the mobile dashboard. This allows you to better manage your healthcare expenses and aligns the mobile app more closely to what is available on your Consumer Portal.Mark an Expense as Paid1. When you view the details for an expense, the option to tap Mark as Paid appears.2. Tap OK to mark the status of the expense as Paid.3. After tapping OK, the expense will be listed as Marked as Paid.

Mark an Expense as Unpaid1. If you want to change the status of an expense, tap Mark as Unpaid.2. After tapping Mark as Unpaid, a dialog box will display. Tap OK and the expense will have a status of Unpaid.Eligible Expense ScannerFor all active medical plans, you can use your mobile device to scan product barcodes to determine if it is an eligible expense.• You must have an active medical plan (FSA, HRA, or HSA) and accept the mobile SIGIS agreement.• Camera permission for the mobile app must be granted.• Barcode must be a 12-digit UPC or 14-digit GTIN.Scan an item using the eligible expenses scanner1. Tap the Eligible Expense Scanner link on the Home page in the Mobile App.2. If this is the first time you are using the Eligible Expense Scanner, you must accept the one-time SIGIS end-user license agreement (EULA) by selecting the I have read, understand, and agree to the information and terms above check box. The agreement must be viewed in its entirety. This agreement can be viewed at any time in the Documents section in the Mobile App.3. Scan a product by centering the barcode within the red guidelines on the device screen.

4. The app will return one of six response screens (see left).Note: You are limited to 100 bar scans per month. After you reach the limit of 100 for a given month, a message is displayed the next time you attempt to scan a bar code.View Statements and Notifications5. Tap Profile > Documents to view your statements and notifications.6. Choose the desired statement or notification time frame.Statement categories include:• Account Statements• HSA Account Summaries (if you are enrolled in HSA)• HSA Tax Statements (if you are enrolled in HSA)Notification categories include:

• Advice of Deposit• Denial Letter• Receipt Reminder• Denial Letter with Repayment• Recurring Claim Confirmation• Overdue Notice• Ineligible Notice• HSA Excess Distribution Notification7. To view the document as a PDF, tap the icon in the upper right corner. You can now choose to view the document in an external PDF viewer.Getting HelpWhen you are logged into the mobile app, the Contact Us screen displays contact information should you need to reach out to us.External LinksTapping on the Resources link navigates to the Resources page where dierent external links are displayed. A warning message appears when tapping on an external link.

Opt-Out of Advanced Analytics• You can opt out of data collection through the Mobile App. To opt out, you can tap the Privacy Settings button from the Profile page and then tap opt out.• After opting out, the Privacy Settings button will no longer display on the Profile page of the Mobile App, and you will no longer be tracked pre-login.Mobile App Home Screen• On the Mobile App home screen, a list of all your accounts will be displayed. You can tap to view details of any active account.• To see an account summary, you can tap on View Account Snapshot.• This screen provides access to the same claims and transactions that are available on the Account Activity page of your Consumer Portal.

Access your account online1. Visit Voya.com/myhealthaccounts 2. Enter your login ID and password 3. Click Login and enter the username and password you setup.On the login page, enter your Username and Password. If you haven’t logged in before, use the “New User” link.Download Our Mobile AppTo access your account easily and securelyView account balances and detailsSubmit account claimsUpload pictures of your receipts anytimeSign up to receive account alerts via textManaging your Health Account Solutions all in one place

Quickly check available balances and account details for your Voya Health Account Solutions plansUse your device of choice – including iPhone®, iPad®, iPod touch® and Android™ smartphones and tablet devicesSet account alerts and get notifications via text messageSubmit claims for your spending and reimbursement accountsView claims requiring receiptsSnap a photo of a receipt and submit with a new or existing claimLink to an external web page to obtain helpful information such as a list of eligible expensesReport a debit card as lost or stolenRetrieve a lost username or passwordEnrolled in an HSA? Request a distribution Make a post-tax contribution Manage your investmentsEnter and view expense information and receiptsIf you have questions about your accounts(s), contact the Voya Health Account Solutions team: Phone: 833-232-4673 Live customer support 24/7Fax: 855-370-0670Email: VoyaSupport@voya.benstrat.comMail: Voya Financial Consumer ServicesPO Box 929Manchester, NH 03105@What can you do?Check out the features:Health Account Solutions, including Health Savings Accounts, Flexible Spending Accounts, Commuter Benefits, Health Reimbursement Arrangements, and COBRA Administration oered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). HSA custodial services provided by WEX Inc. For all other products, administration services provided in part by WEX Health, Inc. This highlights some of the benefits of these accounts. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any applicable agreements, Voya and WEX Health, Inc. reserve the right to amend or modify the services at any time.The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will aect tax savings. None of the information provided should be considered tax or legal advice.©2022 Voya Services Company. All rights reserved. CN2110336_0424216907-04012022