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Understanding the comprehensive details of our benefit plans along with crucial tax information is essential for managing your financial responsibilities. Here you’ll find resources to help you make the most of your benefits and stay informed about your tax obligations.
Summary Plan Descriptions (SPDs) provide details about plan benefits, eligibility requirements, and a participant’s rights and responsibilities:
Evidence of Coverage (EOC) documents below are specific to our Kaiser Permanente medical plans in California:
Summary of Benefits and Coverage (SBC) documents outline the key features of a health plan, including coverage details, cost-sharing responsibilities, and other important information to help individuals compare different plans:
Access claim forms below:
These forms are for the following plans:
You can get a Premera Claim Reimbursement Request form at this link.
You can get a Premera Prescription Drug Reimbursement Form at this link.
You can get a Travel and Lodging Reimbursement Request Form at this link.
You can get a Weight Management Program Interim Billing Claim Form at this link.
You can get a Weight Management Program Final Billing Claim Form at this link.
These forms are for the following plans:
For Kaiser Permanente enrollees in Northern California, find forms and publications at this link.
For Kaiser Permanente enrollees in Southern California, find forms and publications at this link.
For Kaiser Foundation Health Plan of Washington, find forms and publications at this link.
Download a Surest claim form from this link.
OptumRx claim forms: DMR Form
The Internal Revenue Service (IRS) requires Microsoft to include the cost of some benefits in your taxable income (called ‘imputed income’). This includes employee life insurance coverage above $50,000, long-term disability coverage, and Perks+. Coverage elected for your domestic partner may also be subject to taxation unless they meet specific IRS requirements.
The amount Microsoft reimburses you under Perks+ is taxable income, except for employee student loan repayments, which are federally tax-free. If you elect PRO Club, you’ll pay taxes on the value of the Microsoft-paid portion of your membership. The amount (roughly $15.34 per month*) is reported on your paystub for income reporting and taxation purposes only and is not included in your net pay.
**Based on 24 paychecks a year (salaried = 24 paychecks a year, hourly = 26 paychecks a year) for pay period tax and assumes a 22 percent supplemental tax rate.
The Microsoft 401(k) Savings Plan offers a Roth in-plan conversion, which has tax consequences. This is an irrevocable transaction so you should consult a tax advisor to determine its impact on your personal tax situation. Also, our Deferred Compensation Plan has special tax considerations, so work closely with your financial tax planner to ensure you understand the full impact of deferring money into the DCP.
In some states, HSAs don't have favorable tax status, so contributions and/or earnings might be taxed at the state level. Currently, HSA contributions and earnings are taxable at the state level in California and New Jersey. Interest or dividends earned on your HSA funds may be taxable in New Hampshire and Tennessee. Also, If you use HSA dollars for nonqualified expenses, you may incur a tax penalty when you file your federal income taxes.
This overview is intended to provide general information and should not be considered tax advice. For specific tax-related questions or advice, consult a tax professional to ensure you’re making decisions that positively impact you and comply with tax laws.
The annual open enrollment period in November is the only time you can make changes to your benefit elections unless you experience a qualifying life event. However, you can make updates to your beneficiary at any time.
Use the Benefits Enrollment tool at any time to review your benefits information and update your beneficiary designations. The Benefits Enrollment tool lists your benefit options, the amount Microsoft pays for your coverage, and the amount (if any) you pay.
You can also make changes to your Health Savings Account (“HSA”) contributions at any time on the Benefits Enrollment tool. Changes to your HSA contributions are effective on the first day of the month following the change.
To update your beneficiaries or elections for the 401(k) Savings Plan and/or the Employee Stock Purchase Plan (ESPP), visit Fidelity NetBenefits.
Form Information | Sender | Approximate date when form is received at (if applicable) | Purpose |
Microsoft | End of January | This form shows the amount of pre-tax contributions made to your account. | |
N/A | N/A | This form is the US Individual Tax Return that you will need to file with Form 8889. Note: HSA participants cannot use the 1040 EZ Form. | |
N/A | N/A | You'll need to file this Health Savings Account form along with Form 1040 to report contributions to your HSA and any distributions (withdrawals and payments) you've made. | |
About Form 1099-SA, Distributions From an HSA, Archer MSA, or Medicare Advantage MSA | Fidelity Investments | End of January | This form shows distributions (withdrawals or payments) from your HSA and is only for your records. If you have questions about receipt of the form, contact the manager of your HSA directly. |
About Form 5498-SA, HSA, Archer MSA, or Medicare Advantage MSA Information | | By June 2 | This form shows which contributions were made to your account and the year-end account value and is only for your records. You do not need this form to file your income tax return. |