Why I Never Trust Official Nonsense
15/7/25 10:51![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png)
I picked up a second CPAP battery (to enable the possibility of using it for up to 3 nights off-grid) and went to charge it to my FSA. No-go, it said. That was a 2025 expense any my FSA could only reimburse 2024 expenses.
Many phone calls and run-arounds later, it turns out part of the problem is that my employer changed FSA administrators between 2024 and 2025. So my existing account couldn't reimburse 2025 expenses because that was out of scope for them. And the 2025 FSA administrator couldn't reimbuse a 2025 expense because I didn't have a balance in their account.
So what happens to my balance? How do I get my money? The 2024 administrator says, "We send it back to your employer. No idea beyond that." And my employer, after tracking down someone who claims under understand FSAs says, "Oops, sorry, your money is gone. No recourse. Use it or lose it." Eventually, I shrug and chalk it up to experience.
The 2025 benefit adminstrator (who also administers my IRA) at some point sends me an ATM card for my FSA. I check in with them: "Hey you sent me this card, but I don't have a FSA with you so there's no money in it and there won't be any money in it, should I just trash the card?" Yes, they say.
A month or so later, I get a notification: "Hey, you know your FSA balance? We've rolled it over into New!Administrator Account." So now I have to request a replacement ATM card (since it's the only way I have to use the money). With some trepidation that I was still being jerked around, last week I submitted the receipt for my CPAP battery. And--voila!--yesterday the money was deposited to my checking account.
So everyone who carefully explained to me that the FSA balance was use-it-or-lose-it and that they were just going to keep my money, thank you very much, was utterly wrong and didn't even know they were wrong and will continue to be ignorant of their wrongness. But me? I got my battery covered and have another $200 of medical money to spend, after which I will be done with the confusing nonsense that is the Flexible Spending Account.
And I will continue to disbelieve official opinions when they do not align with logic or justice.