Financial Concerns

HSA

Enrolled in a Silver or Bronze HSA medical plan? You can adjust your tax-free HSA contributions anytime to pay for qualified medical, dental, and vision expenses — now or later, since unused funds roll over each year.

Comfort Systems USA contributes quarterly:

• $500 for employee-only
• $1,000 for employee + dependents

FSA

Use them or lose them — don't forget to use your tax-free FSA contributions on eligible expenses before year-end, since only a limited amount of funds can be rolled over.

• Healthcare FSA (Gold Plan): Use funds for eligible medical, dental, and vision expenses
• Limited Purpose FSA (Silver or Bronze Plan): Use funds for eligible dental and vision expenses only

Explore eligible items at the HSAstore® and FSAstore®:

• Vitamins, over-the-counter medicine, red light therapy devices, sunscreen, first aid kits, etc.

Dependent Care Flexible Spending Account (DCFSA)

If you're enrolled in a DCFSA, you can use those pre-tax funds for eligible childcare expenses, including licensed daycares, elder care, or nanny services.

Behind on retirement savings? It's never too late to start saving. Make sure you take advantage of the full Comfort Systems USA 401(k) Plan match and utilize the 401(k) planning tools to prepare for the next chapter.

• Company Match: 50¢ per $1 you contribute, up to 5% of your pay. That's 2.5% of free retirement money.
• Catch-Up Contributions: If you're age 50+, you can contribute more annually to accelerate your savings.
• Tax Options: Choose traditional pre-tax or Roth after-tax options based on your financial goals.
• 401(k) Loan Options: In some circumstances, one loan is allowed, up to XX.
• Planning Tools: Access budgeting help and retirement planning through empowermyretirement.com.

When finances feel stretched, it's hard to think about the future. Lincoln WellnessPATH® helps you take small, steady steps to set financial priorities, track spending, and plan for what's next, whether it's building savings, managing debt, or simply finding some breathing room.

The EAP is also here to support you with:

• Finance Services: Expert help with debt counseling, student loans, foreclosure, bankruptcy, and tax issues
• Legal Services: Help with foreclosure, collections, disputes, contracts, and more

If you purchased accident, critical illness, or hospital indemnity coverage, don't forget to file a claim to receive your cash benefit. These voluntary insurance plans provide cash benefits to help cover unexpected health events for you or your family. Review the plan documents to see a full list of what's covered.

Allstate Identity Protection helps safeguard against unexpected financial loss from fraud.

• Monitors credit and the dark web
• Protects social media and digital activity
• Offers plans that cover your entire household
• Includes $1M insurance and 24/7 support

Get free, confidential support and resources for the emotional challenges of dealing with financial concerns, even if you're not enrolled in the Comfort Systems USA medical plan.

You get five free sessions of in-person or virtual counseling for:

• Financial stress, anxiety, and emotional overwhelm
• Navigating tough decisions and money-related strain
• Coping with uncertainty, building resilience, and more

Book now at GuidanceResources.com (web ID: CSUSA) or call 888-270-9025.

Need more support?

If you're enrolled in the Comfort Systems USA medical plan, therapy can continue through your medical provider or virtually in the comfort of your own home through MDLive® — no driving, waiting rooms, or time off needed.

Schedule at MDLive.com/bcbsil or call 888-676-4204.

Pet insurance helps cover unexpected vet bills and routine care such as vaccines and dental cleanings. MetLife Pet Insurance has flexible coverage options for up to four dogs and/or cats per family.