An LSA as individual as your people.

Your budget and rules. Their choice.

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Make every LSA dollar count.

Give employees meaningful choice while staying on budget.

Traditional lifestyle benefits

Underutilized gift cards, low-engagement point solutions, and unexpected vendor fees

Rigid program design

Wellness budgets fragmented across stipends, incentives, and separate initiatives

Limited transparency into benefit spending

Benepass Lifestyle Spending Account

83% of LSA dollars used, without surprise fees eating into your budget

100+ countries supported with flexible, policy-driven global LSA design

One LSA budget directed toward verified health and wellness vendors

Real-time, transaction-level visibility into LSA spend

See how much you can save with an LSA

See the potential savings of funding an LSA rather than paying the same amount through payroll.

Learn more about calculating the ROI of an LSA

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About your organization

Total employees

Stipend contribution per employee per month

The median benchmark for broad LSA contributions is $100 per employee per month

Potential annual savings

Adjust the values on the left to estimate the potential savings of an LSA.

See savings breakdown

Get the full cost & savings breakdown

Access a detailed breakdown of payroll tax, forfeiture savings, LSA costs, and ROI.

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Get the savings breakdown

Payroll

LSA

Stipend budget (annual)

Expected spend

Typical LSA utilization is ~80%

$0 * 80%

Unused funds

Unused LSA funds returned to the employer

$0 - $0

Payroll taxes (8%)

No payroll tax on unused LSA funds.

$0 * 8%

Unused funds tax savings

$0 - $0

Platform fees

Cost of LSA vendor ($2.40 PEPM). Pricing varies. Request a pricing proposal for details.

0 * 12 * $2.40

Total annual cost

$0 + $0

$0 + $0 + $0

Net savings

Compared to payroll

$0 - $0

ROI of LSA

Return on each $1 spent on LSA platform fees

$0 / $0

Make your benefits budget go further with an LSA

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Here’s how Benepass actually works

Enrollment

Automate access to LSA funds based on eligibility, timing, or required actions.

Benepass app Accounts screen showing a Wallet with $24.38 available to transfer

Program design

Build your LSA around your budget, goals, and policies, supported by Benepass.

Account funding

Automate funding for card spending and reimbursements.

Benepass Core Visa card with a contactless payment symbol

Employee experience

Give employees one place to access and manage their LSA.

Groceries expense of $41.02 next to a Submit button

Program insights

Track spending and program performance in real time.

Circular icons for benefit categories including dental, childcare, wallet, wellness and dining

Build an LSA around your budget. Any budget.

Get more info

Policy-Driven Controls

Set rules down to specific merchants and spending categories. Benepass applies your policy at the point of purchase.

Card-First Spending

Employees spend LSA funds directly with a physical or virtual Benepass Visa card, including Apple Pay and Google Pay.

Targeted Health Incentives

Use LSAs to guide employees toward targeted care, wellness, and prevention, based on their individual healthcare needs.

Whatever the need, there’s an LSA for it.

From wellness and food to family support and professional development, build flexible benefits around what matters to your people.

Flexible LSA

One flexible account for wellness, learning, family support, food, and more.

Fitness & wellness

Support fitness, mental wellness, nutrition, and the ways employees choose to stay well.

Work from home

Help employees create productive workspaces with furniture, equipment, supplies, and more.

Professional development

Fund courses, certifications, conferences, books, coaching, and other opportunities to grow.

Rewards & recognition

Celebrate great work, milestones, and meaningful moments with flexible funds.

Commuter LSA

Go beyond pre-tax transit and parking with support for gas, tolls, rideshare, bikes, scooters, and other ways employees get around.

Food

Give employees flexible support for groceries, meals, restaurants, and food delivery.

Phone & internet

Help cover mobile phone and home internet expenses that keep employees connected.

Family support

Support employees through childcare, caregiving, parental needs, and other family expenses.

Questions people actually ask.

What can employees spend LSA funds on?

You choose what’s eligible. Benepass LSAs can cover wellness, hybrid work, professional development, caregiving, food, and other employer-defined spending categories.

Can we offer multiple LSAs through Benepass?

Yes. You can run multiple customizable spending accounts on the same platform alongside your other benefits.

Can we change our LSA after launch?

Yes. Your program can evolve as employee needs change. One Benepass customer expanded its LSA from 19 eligible categories at launch to 40 in 26 months.

Can employees use Benepass LSAs globally?

Yes. Benepass supports LSA spending across 100+ countries, with one global Benepass Visa card for all LSAs and no global transaction fees.