In a time when the market for great talent is more competitive than ever, Lifetime Benefit Solutions (LBS) is here to offer a benefits package that exceeds expectations. Explore innovative account options designed to get current and potential employees excited and engaged, all delivered by a partner who makes everything easier for brokers, employers and members.

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Your go-to partner for turnkey benefit solutions

For nearly five decades, LBS has been making it easier for brokers and employers to enjoy a turnkey solution to spending accounts — and for employees to make the most of them.



spending account clients/employers


active employee accounts


in filed claims managed


employer group satisfaction

An experience that's beyond simple

Discover how we bring a level of service and expertise you won't find with other benefit solutions providers.

LBS360: A complete approach to account service

Through our LBS360 approach, businesses get direct access to an all-inclusive, designated service team to handle anything and everything related to LBS benefits packages.

Hands-off administration with integrated technology

We implement new programs with minimal disruption to businesses and employees, and we seamlessly integrate with most major payroll platforms, human resources information system (HRIS) technology, carriers and vendor partners.

A simple, streamlined member experience

From 24/7 account access to local customer service, partnering with LBS means businesses and employees enjoy an experience that's simple and personalized.

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Innovative account options

With our diverse suite of spending accounts, we help businesses offer more of what their team members care about. It's beyond what you might expect from a benefits package — and that's the point.

Flexible Spending Account (FSA)

Allows employees to put money aside pre-tax for out-of-pocket health care or dependent care costs.

Health Reimbursement Account (HRA)

Assists employees in offsetting health care expenses via reimbursements from an employer-funded account.

Health Savings Account (HSA)

Provides employees with a tax-advantaged savings account to cover future qualified medical expenses.

Lifestyle Spending Account (LSA)

Covers a wide range of extras from pet care to ski passes to race entry fees.

Student Loan Repayment

Helps workers pay down tuition or student loans faster and with fewer worries.

Qualified Transportation Benefit (QTB)

Allows employees to pay their commuting expenses with pre-tax dollars.


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