If you do not provide a required receipt within 90 days of making a pre-tax purchase, card spending for that benefit will be disabled until a receipt showing eligible spend is provided.
Why?
IRS regulated pre-tax benefits, such as Health FSAs, require proof that a purchase was eligible. If this proof cannot be auto-generated based on information provided by the merchant at time of sale, you will be required to provide it in the form of a receipt.
Example
Let's say you make a purchase using your FSA funds at your local pharmacy. If the merchant is unable to provide enough information about the purchase, you will be asked to upload a receipt. This required action will be made clear to you in several ways:
- All transactions missing required receipts will show a "Needs information" label
- Any transactions in this state will be flagged in the "Updates" section of the Home page
- You will receive regular reminder emails about missing substantiation
If you fail to add a receipt after 75 days, you'll receive a warning email that card spending will be disabled soon if proof of eligible spend is not provided. At 90 days, you'll receive another email notifying you that spending has been disabled until the transaction is resolved.
Alternative options
Even with card spending disabled, you can still:
- Submit expenses for reimbursement under the affected benefit
- Continue using your card for any other unaffected benefits
However, the fastest way to ensure seamless spending across all benefits is to provide the missing receipt or proof of eligible spend as soon as possible.
Common Questions
Which benefits will this impact?
This applies to most pre-tax benefits, such as Health Flexible Spending Accounts (FSAs), Limited Purpose Flexible Spending Accounts (LPFSAs), Dependent Care Flexible Spending Accounts (DCFSAs).
What if I don't have a receipt?
If you are unable to obtain a receipt, please contact Benepass Support for additional help.
How quickly will my card be re-enabled after I provide substantiation?
Your card will be re-enabled as soon as you provide the required receipt and it is received by our system.