Understanding Documentation Requirements

November 16, 2016

If you’ve ever used your pre-tax Flexible Spending Account (FSA) dollars to pay for medical, dental or vision expenses, you’ve likely received a subsequent request for documentation, or substantiation. That’s the term the IRS uses to explain that FSA participants are required to show that what they paid for with pre-tax dollars was an eligible expense. (See recent informational letter 2016-0048 for more information.)

While substantiation might sound like a daunting term, Discovery Benefits makes submitting documentation for FSA expenses quick and easy. Watch our video on this topic to learn more!



Other Quick Tips for Successful FSA Substantiation:

  • When submitting documentation, look to see if you have an Explanation of Benefits (EOB) for the expense. These documents typically contain all the information required by the IRS: the name of the provider, the date and type of service and the amount.
  • Download the free Benefits Mobile App by Discovery Benefits to submit your documentation right from your phone. Simply snap a photo of your document with your phone’s camera and upload it directly from the app.
  • Not sure which claims require documentation? Log in to your online account at www.DiscoveryBenefits.com/benefitslogin, navigate to the Message Center section of your homepage and look for a “Receipts Needed” notification. Click on that to see which FSA claims are awaiting documentation.

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