Commuter

Use tax-free dollars to pay for your commute by bus, rail, or ferry and any parking near these commuter stations or your workplace.

Commuter Benefits

A commuter account is an employer-sponsored benefit program that allows an employee to set aside pre-tax funds in separate accounts to pay for qualified mass transit and parking expenses associated with your commute to work. Commuter benefits allow employees to deduct eligible work-related transit and parking expenses on a pre-tax basis! Employees will see an increase in their take-home pay due to the reduction in Federal and FICA taxes. Some employees will save 35%-40% on their commuting expenses! Who doesn’t want that!

Commuter benefits are structured as a monthly benefit. Unlike many other tax-favored benefit plans which are structured as annual plans.

  • The maximum tax-free election for qualified mass transit, as set by the IRS, is $265/month in 2019.
  • The maximum tax-free election for qualified parking expenses, as set by the IRS, is $265/month in 2019.

 

Mass Transit

Get reimbursed for transit passes, tokens, fare cards, vouchers, or similar items entitling you to ride a mass transit vehicle to or from work. The mass transit vehicle may be publicly or privately operated and includes bus, rail, or ferry.

Van-Pooling

Van-pooling is not to be confused with carpooling. Van-pooling requires a commuter highway vehicle with a seating capacity of at least 7 adults, including the driver. At least 80 percent of the vehicle mileage must be for transporting employees between their homes and workplace, with employees occupying at least one-half of the vehicle’s seats (not including the driver’s seat).

Parking

Get reimbursed for parking expenses incurred at or near your work location or a location from which you continue your commute to work by car pool, van pool or mass transit. Out-of-pocket parking fees for parking meters, garages and lots qualify. Parking at or near your home is not an eligible expense.

  • Due to recent IRS changes, employees can only be reimbursed for transit expenses via a “voucher” or terminal restricted debit card.
  • Each employee enrolled in the transit benefit will receive OCA’s terminal restricted  commuter debit card.
  • Your debit card will have your monthly election available on the card to pay for your monthly transit expense. Please note that funds can only be reimbursed once the employee has contributed monies into their parking and/or transit benefit. So if the employee has not made any payroll contributions, no funds will be available on the  debit card.
  • If enrolled in parking, employees may be reimbursed via paper check or direct deposit. This does not apply towards transit expenses.
Employees can change their parking and transit elections monthly. Keep in mind, you can enroll in both Transit and Parking, but you cannot use funds in one to pay for expenses in the other. Pre-tax contributions are deducted from your pay in equal amounts throughout the year.

Account Login

Access you online portal to view claims, payment history, update personal information, card transactions, and more!

Mobile App

Access your account information using our mobile app. See account balances, submit claims, update your personal information!

Commuter FAQ

Need help? Go to our FAQ library and find the answers you’re looking for!