<p>Linda,</p>
<p>It is the insurance premium that you pay pre-tax that doesn’t show up on the W2. Plus they ask you how much you pay for insurance (16B). I believe since they don’t ask whether it is pre-tax or out of your checking account, it is deducted from your available income. I think this is an untraceable flaw in how fringe benefits work.</p>
<p>The use of camps as day-care as long as it serves that purpose is a good way of categorizing that expense. You would have paid regular day care those weeks anyhow.</p>