Filing FSA Claims
Filing FSA Claims
NCFlex's Health Care and Dependent Day Care Flexible Spending Accounts (FSAs) are administered by P&A Group. Employees can choose from the options below to submit their claims. Note that if a claim is reimbursable by a medical, dental or vision plan, the employee will need to file a claim with that plan first.
Providing a Receipt: When filing a DDCFSA claim, the employee must attach a receipt showing the amount of the charge and date of service with the dependent day care provider's tax identification number or Social Security Number.
Three Ways to File
Using the P&A Group mobile app:
- Download the P&A Group mobile app and log in.
- Take a picture of the receipt or documentation.
- Go to the menu and tap Upload Claim/Documentation to submit your claim.
Using a web browser:
- Log into ncflex.padmin.com.
- Follow the prompts to submit your claim.
- Log into your P&A account at ncflex.padmin.com.
- Navigate to Member Tools.
- Click Upload Claim.
- Select New Claim to submit your claim.
- Download and print the claim form.
- Attach an itemized, third-party receipt or the insurance company's Explanation of Benefits (EOB) form.
- Use the contact information below for your preferred method to submit your claim.
- Fax: 1-877-213-8917
- Mail: Attn: NC FSA Plan
6400 Main Street, Suite 201
Williamsville, NY 14221
Claim Reimbursements
Claims are processed each day, except holidays. Reimbursements are issued Monday through Friday. A reimbursement will be issued to the bank account on file the next business day after the claim is approved.
Depending on how long your bank takes to process the payment, it may take an additional 2–4 business days for the payment to appear in your account. If P&A Group has your email address, they will automatically notify you when the claim is received and again when it is paid.
Claim reimbursement is based on the date an employee receives eligible expenses, not the date they pay the invoice or the billing date. The date eligible expenses are received must be between January 1 and December 31 of the plan year, provided the employee is in the plan for the entire year.
An employee can be reimbursed for the entire claim up to their play-year election minus any previous claim reimbursements, even if that amount has not yet been deducted from their pay.
During the plan year, claims are paid in this order:
- Rollover funds from the previous year are used to pay claims for that year through the March 31 claims deadline. Any remaining funds can be used for claims in the current plan year.
- Contributions during the plan year will be used for that year's claims before rollover funds.
Claim reimbursement is based on the date the dependent day care service is received rather than the date the invoice is paid or the billing date.
An employee will be reimbursed up to the available balance in their DDCFSA on the processing date. The available balance is equal to the amount the employee has actually contributed to their account through payroll deductions minus any previous claim reimbursements.
An employee has until March 31 of the following year to submit claims for a plan year.
Termination of Employment:
If an employee terminates employment or coverage during the plan year, they may submit claims for services incurred on or before the coverage termination date. In accordance with IRS regulations, any unused money in the account is forfeited and remains with the state.
- For the HCFSA, services incurred after the coverage termination date cannot be reimbursed unless the employee elects to continue coverage under COBRA.
- For the DDCFSA, services incurred after the termination date will be reimbursed up to the balance available in the account.
Changing Banks or Accounts:
FSA reimbursements are made by direct deposit. If you change banks or switch accounts, please notify your HBR or benefits department to avoid payment delays.