Commuter Benefits
Help save money on work-related commuting.
What you need to know about Commuter Benefits
Make your commuting expenses go further. Use pre-tax funds accessed through a smart debit card to pay for work-related transit and/or parking.
- Allows you to deduct pre-tax dollars from your paycheck that are directly deposited into a Commuter Benefits account—up to $325 a month for transit and vanpooling (combined) and up to $325 for qualified parking in 2025.1
- Access funds through multiple channels, including a smart debit card, to pay for work-related transit and parking expenses.2
- Using the smart debit card means there’s no cash up front or claim forms to fill out and no waiting for reimbursements.
- Funds can be rolled over month to month as long as you remain with your current employer.
Expenses covered
Commuter Benefits can help save you money on work-related commuting, such as:
- Mass transit (including bus, subway, ferry and train).
- Vanpooling.
- Qualified parking expenses.
Valuable features make it easy
- Simple enrollment and account setup.
- Automatic payroll deduction of your elected Commuter Benefits contribution amount.
- Single, smart debit card for transit and parking benefits, plus contactless payment options.
You can get more mileage out of your paycheck by using pre-tax funds to help pay for your commute.
You can enroll in commuter benefits during open enrollment or upon the occurrence of a qualifying event.
Commuter Benefits FAQs
Pre-tax dollars are funds from your paycheck that are credited to your Commuter Benefits account before taxes are deducted. Since you’re not paying taxes on money you contribute, you end up with more money to use for eligible expenses.
Contributions are automatically transferred from your paycheck and credited to your Commuter Benefits account. These funds can then be used for eligible expenses.
You can contribute up to $325 a month for transit and vanpooling combined and up to $325 a month for qualified parking in 2025.1
You can use funds for mass transit (including bus, ferry and train), vanpooling and qualified parking expenses.
There are three ways to pay for expenses: use a smart debit card connected to your account, pay providers directly through the online portal or submit receipts for reimbursement.
You’ll have 24/7/365 online access to account information through the online portal and mobile app. You’ll be able to view details on your contributions, balance and spending. You can download the MetLife HS&SA app for your device from the Apple app store or Google Play and log in using the password you use to access the online portal.
Unused funds can be rolled over month to month as long as you remain with your current employer.
Funds not used before your last day of employment will be forfeited. However, you can submit claims for eligible expenses incurred during employment for up to 90 days.
VIDEOS
Health Savings & Spending Accounts
Health Savings & Spending Accounts: a suite of saving and spending solutions created with your life in mind
1 Contribution limits are subject to change and should be checked on an annual basis on the IRS website. Limitations apply.
2 See IRS publication 15-B available at https://www.irs.gov/pub/irs-pdf/p15b.pdf for a list of qualified expenses. In addition, there may be legislation or additional publications that may modify or expand available qualified expenses. Please refer to your employer’s plan document for the latest list of qualified expenses under your plan.
Like most group benefit programs, benefit programs offered by MetLife and its affiliates contain certain exclusions, exceptions, waiting periods, reductions of benefits, limitations and terms for keeping them in force. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or individual. Participants should consult with their own advisors for such advice. Federal and state laws and regulations are subject to change.