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Benefits Accounts

WTW’s Benefits Accounts empower employees and retirees to determine how to use their benefit dollars through flexible, tax-advantaged medical spending and savings accounts, including health savings accounts (HSAs), flexible savings accounts (FSAs) and health reimbursement arrangements (HRAs).

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A comprehensive accounts solution tailored to your needs

Choosing the right benefits is important to your employees and retirees. And the financial support you give them to help keep those benefits affordable is just as important to their security and wellbeing.

Our flexible approach empowers employees and retirees to take control over their health care spending with tax-advantaged accounts. You choose the account types that match your benefit strategy, and we’ll make it easy to administer through our wholly-owned and fully-integrated services platform and our consumer-facing Via Benefits™ brand.

The WTW difference

We can work with you on a range of offerings, including:

  • Strategy and design
  • Account types
    • Health savings accounts — HSAs deliver significant tax and retirement savings opportunities to your employees. HSAs are owned and managed by employees so they can determine, over time, how and when to spend (or save) their health care dollars.
    • Health care flexible spending accounts — HCFSAs provide a tax-free way for employees to set aside money for medical, dental, vision and prescription expenses not covered by their health plan. FSAs can be standard or limited purpose for pairing with an HSA.
    • Health reimbursement arrangements — HRAs give employees and retirees a tax-advantaged way to pay for expenses not covered by their health plan. An HRA is funded solely by the employer or plan sponsor.
    • Dependent care flexible spending accounts —DCFSAs provide employees with tax-preferred options for managing care for children and dependent adults.
    • Limited purpose flexible spending account — LPFSAs is a type of flexible spending account that only reimburses employees for eligible dental and vision expenses.
  • Reporting and data analytics

To help you save time and become more efficient, we deliver:

  • One platform that integrates with our benefits delivery solutions for active and retiree populations
  • In-depth research to inform the design and delivery of your funding program, and provides your employees with the products and tools to enhance their physical and financial wellbeing now and in the future
  • Consultative support from design through implementation as well as the ability to integrate our solution to meet your health and financial wellbeing objectives
  • Direct access to your client team
  • Extensive information security infrastructure

Your employees and retirees will benefit from:

  • Easy account access and up-to-the-minute account information
  • Anytime, anywhere access
  • Experienced consultative support
  • Leading-edge, flexible technology
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