I could rant for a long time about flexible spending.
Excuse me if I misspeak on any of this because it's not something I entirely understand. So every year, I'm allowed a $5,000 flexible spending account for childcare, which means that $5,000 is taken out of my paycheck before taxes and I can then get this money back in full at the end of the year.
Let me just say that $5,000 is a laughable amount of money for childcare for a family with two working parents. At the maximum, I was paying $40,000/year to our daycare. Now I've got two kids in public school, and I STILL pay about $15,000 for afterschool and summer camp. But fine. $5,000 is what they allow so I guess I'll take it.
But what I really resent is that every single year they make me fight for it. Without exception, they have rejected every single one of my initial claims. This is MY MONEY. I just am trying to get my own $5,000 that was taken out of my paycheck back. Do they think if they make it hard enough, that I'll just give up and say I don't want my $5,000?
Examples of why they rejected my claims:
Last year they ignored one page of my receipts. They looked at the first page, calculated $3,500 in care, then said that was all they would give me. When I called and said WTF, it turned out that they HAD the other sheet and just decided not to look at it for unknown reasons. I mean, it was only two pages. It wasn't like it was 10,000 pages and they missed one page.
This year, when I was filling it out, there was a section that it said you didn't have to fill out if you had receipts. So I just wrote "see attached" in that part. Then yesterday morning, I found out I was rejected because I didn't fill out that part. The part it said not to fill out.
Why? What's the point of all this? They're going to give me the money eventually... does it really pay off for them to waste everyone's time?