Lifestyle Spending Account (LSA) Benefits

A Modern Benefit for a Modern Workforce

Flexible. Personalized. Impactful.

The SimplyWell Lifestyle Spending Account (LSA) from Clarity Benefit Solutions empowers you to deliver personalized, post-tax benefits that go beyond traditional health accounts — helping you attract and retain top talent, improve well-being, and support a more diverse and modern workforce.

Whether your employees need support for family caregiving, remote work tools, gym memberships, or professional growth, SimplyWell delivers a smarter way to fund what matters most.

63% of employers are adjusting benefits to better align with evolving employee needs. Are you?

Why Brokers and Clients Choose SimplyWell

Designed for Flexibility

Choose from five pre-packaged benefit categories — or create your own — using pre-approved MCCs (merchant category codes). Fund a wide range of lifestyle needs while retaining full control over spend categories and frequency.

Powered by Insight

Track utilization and engagement metrics through employer-facing dashboards. Adjust your program over time as needs evolve.

Fast to Launch

SimplyWell can be deployed quickly with pre-built templates, flexible funding options, and a streamlined onboarding process.

Seamless Experience

Employees receive a dedicated debit card to spend at approved merchants — or stack SimplyWell on the same card as their HSA or FSA. No apps or complex logins required. Everything is accessed through the secure Clarity Portal.

Enrich the Lives of Your Employees

With SimplyWell you can enrich the lives of employees with personalized, easy-to-use payment solutions:

Post-tax spending account
Employers provide to employees via a debit card
Employer defines cash amount, fund availability & eligible purchases
Flexible and configurable using a pre-built list of merchant category codes
Distinct from HSAs & FSAs – but can be stacked on the same multi-purse card, based on plan design

Man with child reviewing benefits at home on laptop computer

PROGRAM STRATEGIES TO MEET CLIENT NEEDS

Clients have the flexibility to design their own programs based on MCC codes, or apply one of our recommended solutions…

PROFESSIONAL DEVELOPMENT
Retain existing talent and open talent pool
HEALTHY LIVING
Increase engagement and boost employee wellbeing
WORK FROM HOME
Support a positive work environment and engage with remote workforce
LEISURE/HOBBIES Promote work/ life balance
FAMILY CARE
Support a diverse workforce that increasingly identifies as caregivers

Employee enjoying healthy time hiking outdoors

Program Strategies to Meet Client Needs

Offer a lifestyle account that fits your people and your culture. Choose one (or more) of our pre-built packages or build your own plan.

PACKAGE	GOAL
FAMILY CARE	Support caregivers, parents, and pet owners
WORK FROM HOME	Promote productivity and comfort for remote teams
HEALTHY LIVING	Encourage wellness, recreation, and better health outcomes
LEISURE & HOBBIES	Foster work-life balance and personal enrichment
PROFESSIONAL DEVELOPMENT	Invest in employee education and career growth

How SimplyWell Differs from HSAs and FSAs

Feature	HSAs / FSAs	Clarity SimplyWell LSA
Tax-Advantaged	✅ Yes	❌ No
Employer-Funded	Optional	✅ Yes (post-tax)
IRS-Regulated	✅ Yes	❌ No (fully customizable)
Flexible Spending Categories	❌ Limited	✅ Yes
Can Be Stacked on One Card	✅ Yes	✅ Yes (if designed that way)

SimplyWell is not a tax-advantaged account. Instead, it’s a post-tax, employer-funded benefit that gives you the freedom to define how funds are used — without IRS restrictions.