Section 125 benefit services

We deliver an excellent experience for both employers and participants.

Horace Mann’s Section 125 benefit services allow your employees to pay for unreimbursed medical expenses and dependent care expenses with pre-tax dollars.  Employee contributions are taken directly from their paycheck before taxes.  Plus, you’ll realize greater savings as more of your employees participate in the plan. 

Our program provides administration for Flexible Spending Accounts (FSAs), including:

  • Health care
  • Dependent care

We also provide consumer-directed solutions, including:

  • Health Reimbursement Arrangements (HRAs)
  • Health Savings Accounts (HSAs)

We fully support employers

When you choose Horace Mann for your Section 125 benefit services, we make the transition process easy:

  • You provide a commitment form and then execute a new agreement with Horace Mann.
  • We then provide plan and participant information to our partner HealthEquity to begin the implementation checklist.
  • HealthEquity will review your documents and provide recommendations for plan restatements or amendments to align with HealthEquity as the flexible spending administrator.  Once the implementation checklist and plan document are complete, we set an enrollment date.

Horace Mann also helps you keep your plan up to date and compliant by providing Plan Documents, Summary Plan Descriptions, and draft amendments and notices at no charge.  Schools/school districts should consult with tax and legal advisors regarding Plan Documents.

Once an agreement is established, your local Horace Mann representative will assist with:

  • Group meetings to educate employees
  • Enrollment assistance
  • Individual benefit reviews and enrollment
  • New employee orientations
  • Periodic visits to address questions

The Horace Mann team will guide you through their standard process for transferring contributions from the employer to fund participant reimbursements. Their designated call center team boasts industry-leading claim turnaround time (hours vs. days) and industry-best auto-adjudication rates and high claims payment accuracy.


Let us customize your Section 125 programto maximize your savings potential.  To learn more, contact your local Horace Mann representative, email us at or call us toll-free at 866-999-1945.

WBSC-0209 (3-21)

© 2021 Horace Mann Educators Corporation

CUSTOMER SERVICE Call 800-999-1030

  • Auto and Property
    M – F, 7 a.m. - 8 p.m. Central time.
  • Life, Annuity and Group
    M – F, 7 a.m. - 7 p.m. Central time.