Commuter Benefits

Provided by: Clarity

Commuter Contributions

For the 2025 plan year you may contribute:

  • TRANSIT: up to $325 per month for transportation (mass transit, train, subway, bus fares, ferry rides). Transit requires payment with the EMM Loans FSA debit card only.
  • PARKING: up to $325 per month for parking expenses incurred at or near your work location or near a location from which you commute using mass transit.

At the end of the plan year, any balances in either account will remain in your account and be available for your use in the next plan year, unless your employment with EMM Loans is terminated.

Carryover & Eligible Expenses

There is no annual “use-it-or-lose-it” rule for Commuter Benefits. While unused amounts cannot be cashed out, they can be carried over to provide transit benefits in subsequent years.
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