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Commuter Benefits

Use pre-tax funds to pay for eligible transit and parking expenses.

Commuter Benefits are employer-sponsored accounts that allow you to contribute and use pre-tax dollars to pay for eligible commuter expenses incurred while you're participating in the plan.  

What are the benefits of a Commuter Benefits account?

  • Realize tax advantages by contributing pre-tax dollars to use for eligible expenses.  
  • You must use your Voya debit card for Transit expenses. For Parking, you can use the card or use your own funds and submit for reimbursement. Parking claims must be filed within the runout period established by your employer.

Additional details

  • Transit and/or parking benefits are available for employee expenses only.
  • The IRS sets maximum monthly pre-tax deduction and spending amounts and adjusts them every year. These limits reflect the maximum allowed pre-tax contribution amounts and reimbursement amounts per calendar month.

  • Check Void & Reissue Request Form

What are Commuter Benefits?

Commuter Benefits are employer-sponsored accounts that allow you to contribute and use pre-tax dollars to pay for eligible commuter expenses incurred while you're participating in the plan.  

How can I use my funds?

If you already have a Voya Health Savings and Spending Accounts debit card, then we’ll simply add accounts to your existing card to use at merchants selling eligible expenses. The card maintains separate accounts for parking and transit and when you swipe the card the transaction will be disbursed appropriately based on the merchant.


For parking and vanpool expenses, you can pay out-of-pocket and request reimbursement for your expenses on the Consumer Portal or Mobile App. Reimbursement can be issued via direct deposit to your bank account or by check. Per IRS regulations, mass transit expenses are not eligible for reimbursement when an eligible method such as the benefit debit card is available.

What expenses are eligible?

Parking: expenses for parking at or near your work location or at or near a location from which you commute using mass transit. You can use your Voya debit card, or use your own funds and request reimbursement. Claims need to be filed within the runout period established by your employer.


Transit: expenses include public transportation such as train, bus, monorail, streetcar, subway, and ferry. This also includes services such as UberPool and Lyft Shared. Vanpool expenses are eligible, but the highway vehicle must seat at least six adults, excluding the driver. Remember to use your Voya debit card, as mass transit expenses are not eligible for reimbursement per the IRS. We suggest purchasing transit passes directly from your transit system's website or in-person kiosks using your debit card. You can also use your debit card as the method to reload funds to your transit system’s card.

What do I do if the cost of my monthly pass changes, can I update my election amount?

You can update your election for the first of any month, subject to your employer’s payroll cut-off dates. Please reach out to your employer for information on changing your election amount.

What are the IRS Contribution Limits?

For 2024, the parking contribution limit is $315 per month. The mass transit contribution limit is also $315 per month. Under IRS regulations, total (pretax consumer contributions plus any employer contributions) for a transit or parking account cannot exceed the pretax contribution limit.

Can my spouse or dependent use my Commuter Benefits?

No. Transit and/or parking accounts are limited to employee eligible commuter expenses only: reimbursement is not allowed for spouse or dependent transit or parking expenses.

What happens if I terminate employment?

Your benefits debit card will be deactivated, and you’ll have a certain amount of time, known as the runout period, in which to submit parking claims incurred while you were still actively employed. Your employer determines the length of the run-out period. After the run-out period ends, any remaining funds in your account are forfeited per IRS regulations.

What if I have dollars remaining at the end of the year? What if I have dollars remaining from my employer’s prior administrator?

At the end of the plan year, funds will automatically roll over to the new plan year. Since Commuter Benefits is a month-to-month benefit, you aren’t required to re-enroll. If you have funds remaining from a previous administrator, then your employer will provide the necessary information and we can add the appropriate balances to your account for you to use.

Commuter Benefits offered by Voya Benefits Company, LLC (in New York, doing business as Voya BC, LLC). 

The amount saved in taxes will vary depending on the amount set aside in the account, annual earnings, whether or not Social Security taxes are paid, the number of exemptions and deductions claimed, tax bracket and state and local tax regulations. Check with a tax advisor for information on whether your participation will affect tax savings. None of the information provided should be considered tax or legal advice.

This highlights some of the benefits of Commuter Benefits. If there is a discrepancy between this material and the plan documents, the plan documents will govern. Subject to any applicable agreements, Voya and its subcontractors reserve the right to amend or modify the services at any time.

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