Benepass

Consolidates pre-tax and lifestyle benefits, simplifying administration while giving employees flexible ways to access and use benefit dollars.

Save pre-tax for healthcare, pay for eligible expenses with a card, and invest balances for potential tax-free growth in one platform.

Give employees easier access to pre-tax FSA funds for eligible expenses while simplifying claims and administration.

Give employees flexible access to valued benefits while helping employers control spending and manage programs with real-time visibility.

Give employees targeted support for eligible healthcare costs while helping employers tailor funding, manage spending, and oversee HRA programs.

Help employees reduce eligible commuting costs with pre-tax transit and parking accounts, flexible contributions, and support for additional commuting expenses through an LSA.

Simplify COBRA administration, support compliance, and give employees clearer access to continued coverage.

Get fast, clear guidance on benefits compliance questions without back-and-forth.

Get personalized benefits answers and complete authorized tasks through Benepass or the AI tools employees and HR teams already use.

Automate benefits data exchange, reduce manual administration, and address integration issues before they affect employees.

Benepass Benefits Platform

Benepass is a global platform for employers to deliver and manage pre-tax and lifestyle benefits, including HSAs, FSAs, LSAs, HRAs, commuter benefits, and COBRA. It combines benefit administration, employee spending, transaction decisioning, and program oversight. Employees use a personalized web and mobile experience, cards, and reimbursement claims. Employers configure program rules, connect payroll or HRIS systems, and use reporting and alerts to manage benefits and spending.

• Manage Benefits In One Place
  Bring multiple benefit programs together in one platform, reducing the need to manage separate providers and giving employees a unified way to access benefits.
• Control And Track Benefit Spending
  Apply employer-defined rules to benefit transactions and track money movement precisely, supporting oversight of benefit spending.
• Pay Or Get Reimbursed
  Give employees convenient ways to use benefits by paying with a card or submitting eligible expenses for reimbursement.
• Get Personalized Benefits Answers
  Help employees understand and use benefits with answers based on their program and account information. Administrators can investigate activity and identify potential next steps using benefits data.
• View Benefits And Program Data
  Give employees a clear view of benefits and spending, while providing administrators with information and tools to oversee programs.
• Automate Enrollment And Deductions
  Connect benefits with payroll or HRIS processes to reduce manual enrollment and deduction work and support tax compliance.
• Support Global Employee Access
  Help employees access and understand benefits across countries through worldwide card access and a localized web and mobile experience.
• Monitor Spending And Optimize Programs
  Use spending and engagement information to oversee benefit programs, support reconciliation, and make informed program adjustments.
• Save And Invest Through One HSA
  Let employees manage HSA spending and investments in one platform, with investment options and a stated starting minimum.
• Customize Programs For Your Workforce
  Adapt benefit design and eligible spending categories to company requirements and changing employee needs.
• Address Issues Before They Escalate
  Give administrators context and suggested next steps so they can respond to benefit issues proactively.
• Protect Benefits Data
  Support data protection with encryption, audits, penetration testing, and security reviews.
• Keep Employees Informed
  Send employees recurring updates and reminders while reducing the need for administrators to manage each communication manually.

Health Savings Account (HSA)

Benepass HSA is an employer-supported Health Savings Account for employees enrolled in a qualifying high-deductible health plan. Employees can use pre-tax funds for qualified healthcare expenses and invest eligible balances through the Benepass platform. The account includes a Visa card for eligible purchases, employer-selected investment options, and views of balances, contributions, holdings, and performance. Employees own their HSA funds, which remain theirs if they change employers.

• Pay For Qualified Healthcare Expenses
  Use HSA funds for qualified healthcare costs, with pre-tax dollars applied when paying by card.
• Choose Investments Starting At $100
  Employees can begin investing at the stated $100 minimum, with choices determined by the employer-selected self-directed, preset, or customized option.
• Pay With A Visa Card Or Mobile Wallet
  Pay for eligible expenses by tapping, swiping, or inserting the Benepass Visa card, or using mobile wallet access.
• Activate An HSA After HDHP Enrollment
  Eligible employees enrolled in a qualifying HDHP can access an HSA, with account-opening processes designed to move quickly and surface verification issues early.
• Track Balances And Contribution Limits
  See account balances, contributions, and contribution limits in the Benepass experience, and check which expenses are eligible before paying.
• Monitor And Rebalance Investments
  Review holdings and performance alongside cash balances, set allocation percentages, and use automated rebalancing.
• Keep HSA Funds When Changing Employers
  Employees retain ownership of their HSA funds, which remain theirs if they leave or change employers.
• Manage Benefits In One Platform
  Access the HSA alongside other Benepass pre-tax and lifestyle benefits in one platform rather than navigating multiple vendors and logins.
• Avoid Benepass Administrative Fees
  Benepass does not charge administrative fees for the HSA. Employees still pay the expense ratio associated with their chosen investment fund.

Flexible Spending Account (FSA)

Benepass offers employers a platform to manage Health Care, Limited Purpose, and Dependent Care FSAs together. Employees can use physical or virtual cards for eligible purchases, check balances and transaction details, and submit and track reimbursement claims. Automatic substantiation reduces receipt submissions. HRIS integrations help automate benefit and payroll data flows. For eligible expenses in contribution-based accounts, employees can submit one claim and receive additional reimbursements automatically as funds become available.

• Use Pre-Tax Funds For Eligible Expenses
  Employees can use pre-tax FSA dollars for eligible expenses through the account types their employer offers, including Health Care, Limited Purpose, and Dependent Care FSAs.
• Pay For Eligible Expenses With A Card
  Direct card access lets employees pay for eligible purchases from FSA funds, including through virtual and tap-to-pay options available from day one.
• Reduce Receipt Submissions
  Automatic substantiation verifies eligible healthcare transactions and means employees need to submit fewer receipts.
• Track Claims And Receive Reimbursements
  Employees can follow claim status and receive reimbursements when needed. For eligible expenses, recurring payouts can continue as contributions become available, reducing repeat submissions.
• Automate Benefits And Payroll Data Flows
  HRIS integrations help keep benefits and payroll data flowing accurately, reducing manual data work in FSA administration.
• Check Balances And Purchase Details
  Employees can see how much they have left to spend, understand what is covered before using their card, and review purchase and substantiation details.
• Automate FSA COBRA Eligibility Workflows
  Automated workflows reduce the manual effort of checking employee contributions against FSA spending and updating COBRA records.

Lifestyle Spending Account (LSA)

Benepass’s Lifestyle Spending Account lets employers provide a defined budget for employees to spend on employer-approved lifestyle benefits. Employers customize eligible categories, budgets, eligibility, funding schedules, expiration rules, and spending policies. Employees access funds through a physical or virtual Benepass Visa card, including Apple Pay and Google Pay, or through reimbursement workflows. Programs can support wellness, fitness, food, family support, professional development, work-from-home expenses, commuting, and more. Benepass provides automated enrollment and funding, real-time spending and program insights, and global LSA support across 100+ countries.

• Tailor Benefit Programs To Your Workforce
  Configure the account around employer budgets, goals, policies, and employee needs, with the ability to adjust the program over time.
• Let Employees Choose Benefits That Matter
  Offer a range of employer-approved lifestyle benefits, from wellness and food to professional growth and family support.
• Apply Spending Rules At Purchase
  Set controls for eligible merchants and categories, with rules applied as employees make purchases.
• Access LSA Funds By Card Or Reimbursement
  Give employees a direct way to use LSA funds for eligible purchases or request reimbursement for eligible out-of-pocket spending.
• Automate Employee Access And Account Funding
  Set up access according to program requirements and automate funding for card purchases and reimbursement workflows.
• Monitor Spending And Program Performance
  View LSA spending and program performance in real time to support oversight and budgeting.
• Support Employees Across 100+ Countries
  Extend LSA spending to employees in more than 100 countries through a global card and locally adapted program design.
• Guide Employees Toward Targeted Wellness
  Direct LSA support toward selected care, wellness, and prevention goals based on employee healthcare needs.
• Manage Multiple Accounts On One Platform
  Offer multiple customizable spending accounts together on one platform alongside other employee benefits.

Health Reimbursement Arrangement (HRA)

Benepass provides employer-funded HRAs that add targeted healthcare support around existing coverage. Employers choose traditional or specialty plan designs, set eligible expenses and employee rules, define contributions and funding schedules, and connect HRIS or payroll systems to automate enrollment and employee data. Eligible employees can spend HRA funds with a Benepass card or submit claims for reimbursement. The platform applies IRS and employer rules at purchase and provides reporting for reconciliation, audits, and program management. Specialty designs include Weight Health HRAs, with configurable budgets, eligibility, covered medications, approved providers, funding schedules, and receipt requirements.

• Tailor HRA Coverage
  Configure an HRA around the workforce by selecting its structure, covered expenses, eligibility requirements, and employer contribution approach.
• Support Specialized Healthcare Needs
  Offer targeted employer-funded support for eligible healthcare needs beyond everyday out-of-pocket expenses, with covered categories determined by program design.
• Control Eligible Weight Health Spending
  Set budgets and guardrails for eligible weight health expenses, including medication and provider eligibility, funding cadence, and post-purchase documentation. The product page describes lower cash-pay pricing as a possibility, not a guarantee.
• Access Funds By Card Or Claim
  Give employees a card-first way to pay for eligible expenses, with a claim and reimbursement option when card spending is not used.
• Apply Eligibility Rules At Purchase
  Apply IRS and employer program rules during purchases to help ensure HRA funds are used for eligible expenses.
• Automate Enrollment And Data
  Connect HRIS or payroll data to reduce manual enrollment and employee-data administration and automatically enroll eligible employees.
• Choose Flexible Funding Methods
  Align funding with program needs by choosing a funding approach, contribution amount, and schedule for making funds available.
• Verify Spending After Purchase
  Require itemized receipts after purchases to document eligible spending and support compliance and audit readiness.
• Track Spending For Audits
  Review HRA spending and export reports to support financial reconciliation, audit preparation, and ongoing oversight.
• Manage Benefits Together
  Manage HRA programs alongside other benefit accounts in one place and help employees understand how HSA and FSA funds may apply to eligible weight health expenses.
• Preserve HSA Eligibility Post-Deductible
  Use a post-deductible design that starts reimbursing eligible medical expenses after the deductible and is described as preserving HSA eligibility.
• Extend Support Across Regions
  Extend weight health support across regions using customizable spending accounts designed around local needs, with Benepass guidance on global program design.

Commuter Benefits

Benepass commuter benefits provide pre-tax accounts for eligible transit and parking expenses. Employees can choose and adjust contributions, view available funds, and pay with a Benepass card. Employers configure rollover rules and subsidies, and can pair pre-tax benefits with a Commuter LSA for additional expenses such as gas, tolls, and rideshares.

• Reduce Eligible Commuting Costs
  Pre-tax accounts let employees set aside funds for qualified transit and parking, helping reduce the cost of getting to work.
• Adjust Contributions As Commutes Change
  Employees can update commuter elections when their needs change, keeping contributions aligned with their commute.
• Pay For Eligible Commutes By Card
  Card payments let employees pay for eligible transit and parking expenses without submitting a claim for those purchases.
• Sync Elections Automatically
  Automatic updates help keep commuter contributions aligned across Benepass and the employee's benefits administration system.
• Cover More Commuting Options
  Pair pre-tax commuter benefits with a Commuter LSA to support expenses beyond eligible pre-tax transit and parking.
• Customize Program Rules
  Custom rollover rules and subsidies let employers shape the commuter program and respond to changing commute patterns.
• Track Available Commuter Funds
  A clear view of the available balance helps employees understand how much they have to spend on eligible commuting expenses.
• Complete Purchases Beyond Your Balance
  Overages let employees cover the amount above their benefit balance through a linked personal bank account, including commuter parking purchases.
• Reimburse Eligible Off-Card Purchases
  Employees can seek reimbursement for eligible commuter expenses purchased without the Benepass card.
• Enroll Eligible Employees Automatically
  Payroll-based enrollment can automatically enroll eligible employees in the commuter program.

COBRA administration

Benepass provides COBRA administration and Direct Bill services through its PeakOne partnership. The service supports qualifying event data setup, required participant notices, FSA COBRA eligibility workflows, centralized contracting and billing, and dedicated administration support. Employees can access a web portal with real-time information, multiple payment options, and personalized communications. Employers can receive annual open enrollment support and guidance.

• Access Dedicated COBRA Expertise
  Employers receive integrated COBRA administration operations and dedicated expertise through the PeakOne partnership.
• Automate FSA COBRA Eligibility
  Automated workflows reduce manual review of employee contributions and spending and remove the need to update COBRA records by hand.
• Trigger Required Participant Notices
  Trigger required notices for participants when qualifying events occur.
• Reduce COBRA Administration Risk
  Compliant, secure administration is designed to reduce employer risk.
• Consolidate COBRA Contracts And Billing
  Keep COBRA contracting and invoicing connected with Benepass benefits instead of managing a separate vendor relationship.
• Connect Qualifying Event Data
  Set up qualifying event data connections to PeakOne, with manual options available when needed.
• Provide 24/7 Portal Access
  The web portal gives participants real-time access and an intuitive way to navigate their COBRA experience.
• Access Dedicated COBRA Support
  Employers and participants can access dedicated support, with responses within one business day.
• Confirm Carrier Enrollment
  Carrier enrollment confirmation helps support accurate audit records.
• Tailor COBRA Communications
  Custom communications can be personalized for the workforce and annual renewals.
• Get Personalized Renewal Guidance
  Expert annual open enrollment support and personalized guidance are available for each renewal.
• Offer Flexible Payment Options
  Multiple payment options give participants flexibility when paying for continued coverage.

Benefits Compliance GPT

Benefits Compliance GPT is an AI-powered assistant that helps users navigate benefits compliance questions, from IRS regulations to pre-tax eligibility rules. Users can type a question to receive instant guidance.

Category: AI Assistant Software

• Get Fast Compliance Guidance
  Get quick guidance on benefits compliance questions, including IRS regulations and pre-tax eligibility rules, without back-and-forth.

Benepass MCP

Benepass MCP is a Model Context Protocol connection layer that lets AI tools securely access authorized Benepass benefits information and workflows. Employees and HR teams can use Benepass chatbots or connect Benepass to personal and corporate AI tools, including ChatGPT and Claude. The initial launch supports Benepass-managed LSAs, HRAs, FSAs, and commuter benefits. Access is limited by each user’s existing authentication, permissions, and authorization.

• Connect Benefits To Your AI Tools
  Access Benepass benefits intelligence through compatible personal and corporate AI tools, or use chatbots within Benepass.
• Get Answers About Your Benefits
  Get relevant answers about benefits and account information without searching policies, help centers, or multiple screens.
• Protect Access With User Permissions
  Limit AI access to the authorizing user’s permitted information and actions, so users can access only their own data and authorized workflows.
• Find Receipts And Submit Claims
  Get assistance finding a receipt and submitting a reimbursement claim through an authorized workflow.
• Analyze Benefits Data And Activity
  Help HR teams understand program and spending information, investigate transactions, spot changes and trends, and identify possible next steps.
• Check Whether Expenses Are Covered
  Understand whether a purchase is eligible under a benefit program.
• Check Your Available Benefit Balances
  See remaining account funds through Benepass or a connected AI tool, using authorized account information.
• Get Guidance On Benefit Expenses
  Understand how expenses relate to benefits without piecing together instructions across separate resources.
• Automate Routine HR Tasks
  Use connected AI workflows to automate routine work for HR teams.
• Use MCP Globally In Your Language
  Access Benepass MCP globally and interact in the language available through the chosen AI agent or workflow.

HRIS and Payroll Integrations

Benepass integrations connect HRIS, payroll, and benefits administration systems to automate benefit enrollment, contributions, deductions, and employee data flows. The service supports API, SFTP, and Workday RaaS connections, with integrations for providers including Workday, ADP, Paylocity, and UKG. Benepass maps each organization’s data model and eligibility rules, validates incoming data, and provides alerts and remediation guidance. Implementation includes testing and contribution and deduction reconciliation, with ongoing technical support.

• Automate Benefit Data Exchange
  Keep enrollment, contributions, deductions, and employee data flowing between connected systems with less manual work.
• Connect Through Flexible Integration Methods
  Choose an integration approach suited to your systems, including APIs, SFTP, or Workday RaaS.
• Catch Data Issues Before They Escalate
  Surface data errors during processing and prevent invalid records from entering the system, so teams can address problems before they create downstream issues.
• Launch With Hands-On Technical Support
  Get technical assistance through integration planning, testing, and reconciliation, plus ongoing help monitoring data quality and maintaining file feeds.
• Match Your Data And Eligibility Rules
  Configure integrations around your organization’s data structure and eligibility requirements rather than relying on a single fixed format.
• Resolve Integration Issues With Clear Guidance
  Give administrators context and actionable steps to investigate and resolve integration problems.
• Keep Integration Ownership In-House
  Work with Benepass on the integration stack and data flow instead of relying on a white-labeled third-party TPA.