The day care FSA covers child care for dependents that are 12 or younger. It also covers elder care for dependents who cannot care for themselves while you're working. Using a day care or dependent care FSA for elder care is becoming more and more common these days, but you do have to be sure that the individual or family member is a tax dependent and they reside in your home more than eight hours a day.You can also use your Day Care FSA to pay a family member to watch your child, as long as the family member is not your spouse and age 19 or older. Just note that if choosing to pay a family member to watch your children, that person would have to claim that money you are paying them as income.Pay using your Navia debit card if the provider excepts payments by card, or pay by submitting a claim online or on the _Navia mobile app.The contribution limit varies by employer, but you may be able to contribute up to $7,500 per year. I do want to mention that if you are a family unit and you and your spouse both have access to a daycare spending account, the household maximum is $7,500. So, only one of you could take advantage of the account or you could each elect $3,750, but the IRS maximum limit is $7,500 per household.