Employer Administered HCRA and Claim Substantiation

[Guest dragonflier]

I am a broker. One of our clients self-administers their health care FSA. They have an employee that states that since the plan is self-administered, the employee does not have to provide written documentation of claims. Is this true? In what situations? I can see if the answer is when the FSA is accessed using a debit card.

[papogi]

Claims substantiation would still be required. Whoever pays the claims, the processors need substantiation following Section 125 guidelines, otherwise they are jeopardizing the qualified status of the plan itself.