2023年的还是2024年的？ ChatGPT 回答得挺全的。 Flexible Spending Accounts (FSAs), including Dependent Care FSAs, typically operate on a "use-it-or-lose-it" basis. This means that if you do not use the funds within the plan year, you generally forfeit the remaining balance. However, there are a few potential ways to address unused Dependent Care FSA funds: Grace Period: Some FSA plans offer a grace period, usually 2.5 months after the end of the plan year, during which you can still incur and submit eligible expenses for reimbursement. Carryover Option: Although less common for Dependent Care FSAs, some employers may allow a carryover of a small portion of the unused funds to the next plan year. Claims Run-Out Period: Even if your plan year has ended, many FSAs provide a run-out period during which you can submit claims for expenses incurred during the plan year. Check with your FSA administrator for specific deadlines. Submit Eligible Expenses: If you have incurred any eligible dependent care expenses within the plan year, make sure to submit those claims before the deadline. This includes daycare, after-school programs, and summer camps for eligible dependents. If none of these options apply to your situation, unfortunately, the remaining funds in your Dependent Care FSA may be forfeited. It’s essential to review your plan’s specific rules and deadlines, which can typically be found in your FSA plan documents or by contacting your FSA administrator. For more detailed guidance, you can refer to the IRS guidelines on FSAs or contact your employer's benefits department.
Flexible Spending Accounts (FSAs), including Dependent Care FSAs, typically operate on a "use-it-or-lose-it" basis. This means that if you do not use the funds within the plan year, you generally forfeit the remaining balance. However, there are a few potential ways to address unused Dependent Care FSA funds:
Grace Period: Some FSA plans offer a grace period, usually 2.5 months after the end of the plan year, during which you can still incur and submit eligible expenses for reimbursement. Carryover Option: Although less common for Dependent Care FSAs, some employers may allow a carryover of a small portion of the unused funds to the next plan year. Claims Run-Out Period: Even if your plan year has ended, many FSAs provide a run-out period during which you can submit claims for expenses incurred during the plan year. Check with your FSA administrator for specific deadlines. Submit Eligible Expenses: If you have incurred any eligible dependent care expenses within the plan year, make sure to submit those claims before the deadline. This includes daycare, after-school programs, and summer camps for eligible dependents. If none of these options apply to your situation, unfortunately, the remaining funds in your Dependent Care FSA may be forfeited. It’s essential to review your plan’s specific rules and deadlines, which can typically be found in your FSA plan documents or by contacting your FSA administrator. For more detailed guidance, you can refer to the IRS guidelines on FSAs or contact your employer's benefits department.