Can I use a Lifestyle Spending Account (LSA) for outdoor fitness classes?

If you're looking to stay fit and active while enjoying the great outdoors, you might be wondering if your employer's Lifestyle Spending Account (LSA) can cover the costs of outdoor fitness classes.

The good news is that many LSAs are designed to support a wide range of wellness-related expenses, including those that take place outside the traditional gym setting.

In this article, we'll explore what LSAs are, how they work, and whether you can use your LSA funds to pay for outdoor fitness classes.

What is a Lifestyle Spending Account (LSA)?

A Lifestyle Spending Account (LSA) is an employer-sponsored benefit that provides employees with discretionary funds to spend on eligible wellness-related expenses. LSAs are becoming increasingly popular as employers recognize the importance of supporting their employees' overall well-being, both inside and outside the workplace.

One of the key advantages of LSAs is their flexibility. Unlike traditional health insurance plans or gym memberships, LSAs can be customized to cover a wide range of expenses that promote physical, mental, and emotional well-being. This includes things like gym memberships, fitness classes, sports equipment, and wellness apps or programs.

Examples of LSA-eligible expenses

So, what types of expenses can you typically cover with your LSA funds? Here are a few examples:

• Gym memberships: Many LSAs will cover the cost of a membership at a traditional gym or fitness center.
• Fitness classes: LSAs can often be used to pay for classes like yoga, Pilates, spinning, or boxing, either at a studio or online.
• Sports equipment: If you prefer to work out at home or outdoors, your LSA may cover the cost of equipment like weights, resistance bands, or a yoga mat.
• Wellness apps and programs: Some LSAs will also cover the cost of wellness apps or online programs that provide guided workouts, meditation sessions, or healthy eating plans.

Of course, the specific expenses that are eligible under your LSA will depend on your employer's plan. Some may have a more narrow focus on traditional fitness expenses, while others may cast a wider net to include things like mental health counseling, stress management programs, or even personal development courses.

Outdoor fitness classes can often be covered by a Lifestyle Spending Account (LSA), depending on your employer's specific plan parameters. LSAs are employer-funded accounts designed to reimburse wellness-related expenses, with eligibility rules set by each organization. Here's a detailed breakdown:

Eligibility Criteria

Most LSAs include outdoor fitness classes under broader categories like physical wellness or fitness activities, provided they meet employer-defined guidelines:

• Explicit inclusions: Many plans list outdoor-specific activities like hiking clubs, ski passes, swimming lessons, or sports leagues as eligible[1][4][8]. For example, Dartmouth's LSA covers "Sports Leagues/Clubs" (e.g., climbing, hiking) and "Sports Lessons" (e.g., golf, tennis)[1].
• General fitness classes: LSAs often reimburse for fitness classes without specifying indoor/outdoor distinctions. For instance, Espresa's guidelines include "fitness classes" broadly[3], while PEB Plans explicitly lists "ski/snowboard lessons" and "martial arts lessons"[4].
• Equipment and fees: Some LSAs cover related costs like park entrance fees[1], sports equipment (e.g., hiking boots, bicycles)[1][4], or race registration fees[1][8].

Common Examples of Covered Activities

• Group classes: Outdoor yoga, boot camps, or cycling sessions[3][10].
• Sports lessons: Golf, tennis, swimming, or skiing[1][4][8].
• Adventure fitness: Hiking clubs, marathon/triathlon registrations, or kayaking excursions[1][4].
• Permit-based activities: Some employers may reimburse permit fees for outdoor classes in public parks[9][10].

Steps to Use Your LSA

1. Review your plan: Confirm if "outdoor fitness classes" or related categories (e.g., "sports lessons") are listed in your LSA's eligible expenses[1][6][8].
2. Verify requirements: Some employers may require:
3. Proof of payment (receipts/invoices)[8].
4. Certification from the class provider[9].
5. Documentation linking the expense to wellness (e.g., class description)[6].
6. Submit for reimbursement: Use your LSA portal or app to upload receipts and claim funds[8][12].

Limitations and Exclusions

• Employer discretion: Weapons, non-wellness expenses (e.g., spa facials), or medical-related costs (e.g., acupuncture) are typically excluded[1][6].
• Permit restrictions: While LSAs may cover class fees, permits for using public spaces often require separate approval from local authorities[9][10].
• Geographic variations: Outdoor class eligibility may depend on local regulations or employer policies[9][10].

For clarity, directly consult your LSA administrator or HR department to confirm coverage for specific outdoor activities. If eligible, these accounts offer a flexible way to enhance physical health while engaging with nature.

Benefits of Using an LSA for Outdoor Fitness Classes

Using your LSA to cover outdoor fitness classes offers several advantages that can positively impact your overall well-being and financial health.

Promotes physical and mental well-being

Participating in outdoor fitness classes encourages you to stay active and healthy, which can lead to improved physical fitness and reduced risk of chronic diseases. Exercising in natural environments also provides mental health benefits, such as reduced stress levels and improved mood[1][2]. Outdoor activities like hiking, yoga, or group sports can boost your energy, increase self-esteem, and foster a sense of connection with nature and others[3].

Offers flexibility and personalization

One of the key benefits of using your LSA for outdoor fitness classes is the flexibility to choose activities that align with your personal interests and lifestyle. Whether you prefer solo pursuits like running or cycling, or group activities like outdoor boot camps or tennis lessons, you can select classes that cater to your preferences[4]. This personalization ensures that you're more likely to enjoy and stick with your chosen activities, leading to long-term health benefits.

Saves money on fitness expenses

Outdoor fitness classes can be expensive, especially if you're interested in trying multiple activities or working with a professional instructor. Using your LSA funds to offset these costs can make outdoor fitness more accessible and affordable[5]. By taking advantage of your employer-provided wellness benefits, you can save money on expenses like class fees, equipment rentals, or park permits, allowing you to prioritize your health without breaking the bank.

How to Use Your LSA for Outdoor Fitness Classes

If you're ready to start using your LSA for outdoor fitness classes, the process is straightforward. Here's what you need to do:

Review your company's LSA plan

The first step is to review your company's LSA plan to confirm that outdoor fitness classes are indeed an eligible expense. Look for specific categories like "physical wellness," "fitness activities," or "sports lessons" that may include outdoor classes. If you're unsure whether a particular class or activity is covered, don't hesitate to reach out to your HR department or LSA administrator for clarification.

Verify documentation requirements

Once you've confirmed that your desired outdoor fitness class is eligible, gather any necessary documentation required by your employer. This may include receipts, invoices, or class descriptions that prove your participation and payment. Some employers may also require certification from the class provider or documentation linking the expense directly to your wellness goals.

Submit for reimbursement

With your documentation in hand, you're ready to submit your claim for reimbursement. Most LSA plans offer a user-friendly portal or mobile app where you can easily upload your receipts and request funds. Simply follow the prompts to enter your expense details, attach your documentation, and submit your claim. Reimbursement is typically processed within a few business days, although the exact timeline may vary depending on your employer's plan.

By taking advantage of your LSA for outdoor fitness classes, you're not only prioritizing your physical health but also maximizing the value of your employee benefits package. Whether you're a seasoned athlete or just starting your fitness journey, using your LSA to explore new outdoor activities can be a rewarding and cost-effective way to support your overall well-being.

Are there any limitations or exclusions for outdoor fitness classes under an LSA?

While LSAs offer a flexible way to support your wellness goals, it's important to be aware of potential limitations or exclusions when it comes to outdoor fitness classes.

First and foremost, your employer has the discretion to determine which activities are eligible for reimbursement under their specific LSA plan. Some companies may choose to exclude certain outdoor fitness classes based on their internal policies or wellness philosophy. For example, extreme sports or high-risk activities like skydiving or rock climbing may not be covered, even if they provide a good workout.

Additionally, if you're participating in outdoor fitness classes that take place in public spaces like parks or beaches, you may need to obtain separate permits or approvals from local authorities. While your LSA might cover the cost of the class itself, any additional fees or paperwork required for using public facilities would be your responsibility.

It's also worth noting that LSA eligibility for outdoor fitness classes can vary depending on your geographic location. Local regulations, weather conditions, and the availability of certain activities can all impact what's considered an allowable expense. For instance, a surf lesson might be covered if you live near the coast, but not if you're in a landlocked area.

To navigate these potential limitations, it's always best to check with your HR department or LSA administrator before signing up for an outdoor fitness class. They can provide guidance on what's covered under your specific plan and help you make the most of your wellness benefits while staying within the guidelines.

Is using an LSA for outdoor fitness classes worth it?

Using your LSA for outdoor fitness classes can be a smart investment in your overall health and well-being. These employer-sponsored accounts offer a flexible way to enhance your physical and mental health by allowing you to choose activities that align with your personal interests and lifestyle.

Participating in outdoor fitness classes can help you stay active, reduce stress, and improve your mood. Whether you enjoy hiking, yoga, or group sports, engaging in physical activity in natural environments provides numerous benefits for both your body and mind.

Additionally, using your LSA funds to cover the costs of outdoor fitness classes can save you money on activities you enjoy. Instead of paying out of pocket for expensive gym memberships or equipment, you can take advantage of your employer's wellness benefits to offset these expenses.

From an employer's perspective, offering LSAs that cover outdoor fitness classes can lead to a healthier, more engaged workforce. Employees who prioritize their well-being are more likely to be productive, have lower absenteeism rates, and experience greater job satisfaction.

To make the most of your LSA for outdoor fitness classes, consult with your HR department or LSA administrator to confirm eligibility and understand any specific requirements or limitations. They can help you navigate the reimbursement process and ensure that you're maximizing your benefits.

Lifestyle Spending Accounts provide a valuable opportunity to invest in your health and well-being while taking advantage of your employer's commitment to supporting your wellness goals. By using your LSA for outdoor fitness classes, you can enjoy the many benefits of staying active in nature without breaking the bank.

Forma makes it easy to maximize your Lifestyle Spending Account by offering seamless reimbursement for a wide range of wellness expenses, including outdoor fitness classes. With flexible spending options and clear eligibility guidelines, you can focus on your health without the hassle of managing complex claims. Schedule a consultation with one of our experts today.