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Increasing FSA mid-year w/qualifying event

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Anyone have experience increasing the amount contributed to an FSA during the year thanks to a qualifying event? I'll be having another baby late this year and due to some unforeseen medical issues will need to spend more than what I've put in for the FSA. How does it work increasing during the year? Can I get expenses paid for before the qualifying event? Anyone with actual experience that can chime in with their experience?

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I've tried this!

Be careful! I messed this up with exactly this same scenario. No, you can not get expenses paid before the qualifying event. You can only cover events that occur after the baby is born.

FSA is considered like insurance. You are basically paying a "premium" for a level of FSA coverage. If the expenses exceed that coverage (before the baby is born), then they will deny the payments.

dk240t said:   Can I get expenses paid for before the qualifying event?
My plan treats the FSA limit as if it is for two distinct periods of coverage - before and after effective date of the change.  Let's say you elect to put $1,000 in the FSA effective January 1.  Then on October 1, you have a qualifying event and increase the FSA to $2,000 through the end of the year.  For services through September 30, the max you can be reimbursed will be $1,000, but after that, the max you can be reimbursed will be $2,000 (minus any amount you were already reimbursed prior to the qualifying event).  Since most FSA guidance is stipulated by the IRS, I would guess that most, if not all, plans are fairly consistent.  Look at your plan documents though; mine have a fairly detailed explanation of this very scenario. 

The unforeseen medical issues are not a qualifying event. Pregnancy is not a qualifying event. The addition of a family member (birth) is a qualifying event, so right after the birth you can change your FSA contributions, but you cannot spend them for anything that happened before the qualifying event.

I think marriage and divorce are qualifying events... so is loss of employment or medical coverage by your spouse...

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