A Dependent Care Assistance Program (DCAP) helps you pay for eligible child care or adult dependent care expenses using pre-tax dollars, reducing your taxable income. It’s a simple way to save money while covering care costs that allow you to work or attend school.
Dependent Care Flexible Spending Accounts:
DCAP Planning Resources
Dependent Care Contract for Recurring Expenses
For recurring DCAP expenditures, such as daycare or after-school care, completing our care contract will make reimbursement convenient. Click here to download.
DCAP Planning Worksheet
A little planning can go a long way. Use this worksheet to estimate your
expected dependent care expenses for the upcoming year. Click here to download.
DCAP Claim Form
Submitting a claim to your DCAP? Click here to download the Claim Form.
Dependent Care Assistance Program: FAQs
What is a DCAP ?
A Dependent Care Assistance Program (DCAP) lets you set aside pre-tax money from your paycheck to help pay for eligible child care or adult dependent care expenses.
How does a DCAP save me money?
The money you contribute is taken from your paycheck before taxes, which can lower your taxable income and increase your take-home pay.
What expenses are eligible?
Eligible expenses may include daycare, preschool, before- and after-school care, summer day camps, and care for a qualifying adult dependent who cannot care for themselves.
Who qualifies as a dependent?
Generally, eligible dependents include children under age 13 and certain spouses or adult dependents who are physically or mentally incapable of self-care.
Can I use my DCAP for babysitting expenses?
Yes, if the care is provided so you (and your spouse, if applicable) can work, look for work, or attend school, and the caregiver meets IRS requirements.
Can I use my DCAP for overnight camp or kindergarten tuition?
No. Overnight camps and educational tuition costs are generally not eligible expenses, although summer day camps may qualify.
Do I have to use all my DCAP funds each year?
DCAPs are typically subject to a “use-it-or-lose-it” rule, so it’s important to estimate your expenses carefully.
Can both my spouse and I contribute to a DCAP?
You may both participate if your employers offer DCAPs, but your combined contributions cannot exceed the annual IRS limit.
How do I get reimbursed?
After you incur an eligible expense, simply log into your account to submit the claim and supporting documentation.
Can I change my contribution amount during the year?
Generally, you can only change your election if you experience a qualifying life event, such as a change in your care provider, marital status, or dependent care needs.