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Updated Articles

  1. Services Outside the U.S.

    Medical services received outside of the U.S. are covered as long as they are eligible medical expenses and the documentation provides a service date, description of services rendered and charges. In addition, you must provide us with the current co...
  2. Required Minimum Distributions

    What are Required Minimum Distributions (RMDs)? Required minimum distributions, or RMDs, are congressionally mandated withdrawals from a qualified retirement plan. RMD rules dictate the minimum amount you must withdraw from your account every yea...
  3. Mobile App - FSA/HSA/HRA

    Manage your health benefits on-the-go: 1. Download our Sentinel (FSA, HSA, HRA) Mobile App from the  App Store  or  Google Play Scan here to access App Store:  2.   Log in using your existing username and password En...
  4. Changing FSA Plan Contribution Amounts

    In general, you are not able to change your contribution amounts once the plan year has commenced. All elections must be made during the open enrollment period for your plan. You may only change your election during the plan year if you can demonstr...
  5. Changing Plan Contribution Amounts

    In general, you are not able to change your contribution amounts once the plan year has commenced. All elections must be made during the open enrollment period for your plan. You may only change your election during the plan year if you can demonstr...
  6. IRS Plan Limits

    Starting in 2025: For the year in which a participant turns 60, 61, 62, 63 they can boost their salary deferrals (traditional or Roth)   to their 401(k) or 403(b) plan with an increased catch-up contribution limit of the greater of the following a...
  7. Do Orthodontic Services Have to Have Been Incurred to Be Eligible for Reimbursement from a Medical FSA?

    No, they do not. Orthodontic expenses are reimbursed when actual payments have been made, even if the services have not yet been rendered. Orthodontic expenses typically are payable to the orthodontist at the onset of treatment or through an insta...
  8. Required Minimum Distributions (RMDs) and Rollovers

    If a rollover distribution is requested in a year when a Required Minimum Distribution (RMD) must be taken, no portion of the account is eligible for rollover until the RMD has been made to the participant for that calendar year. The distribution ...
  9. FSA & HSA Eligible Expenses

    Eligible medical expenses are those incurred primarily to alleviate or prevent a physical or mental defect or illness. They do not include expenses that are merely beneficial to general health, such as vitamins or a vacation. Qualified medical exp...
  10. Transferring a 403(b) Contract With An Outside Vendor To Your Sentinel Account

    Transferring a 403(b) contract with an outside vendor to your account with Sentinel Group is as easy as 1, 2, 3. A 403(b) contract transfer is different from a rollover between retirement accounts. A rollover is a movement of one retirement acc...