Carry-Forward Definitions

Get Started

Here is an overview of what we'll cover in this article. 

• Credit Carry Forward
• Expense Carry Forward
• No Carry Forward

To find out which 'carry-forward' you have: 

Plan Administrators - Login to your account, go to 'Base Plan Details' from your main menu, and then locate the 'HSA Rollover Type' in the box of information.  

Employees - Login to your online account (this information is not found on the mobile app), and then locate the (i) in your limit box.

Click into it, and find the section that confirms your 'carry forward' type. The example below has 'Credit Carry Forward.'

Credit Carry Forward

If you have unused credits you haven't claimed before your benefit year ends, they will transfer over to new benefit year for a maximum of one year. 

This means credits from two years ago will not transfer over.  

Expense Carry Forward

Unused credits you haven't claimed before your benefit year ends DO NOT transfer over to your new benefit year. However, you have a longer period to claim receipts.

You can claim last benefit year's expenses in the new benefit year, using new benefit year credits.  

No Carry Forward

Unused credits you haven't claimed before your benefit year ends DO NOT transfer over to your new benefit year. And you can ONLY claim expenses incurred during the current, open benefit period.  

 Plan administrators - if you wish to change the 'carry-forward' on the account you must contact support@nationalhealthclaim.com to see it is allowable. 

Summary

This article covers what different 'Carry-forward' types are available, how to view the one applied to your account, and how to make changes to it. 

Get Started

• Definitions for Credit Carry Forward, Expense Carry Forward and No Carry Forward 
• How to view the Carry Forward type on your account
• How to edit the Carry Forward on your account 

Definitions for Credit Carry Forward, Expense Carry Forward and No Carry Forward 

With Credit Carry Forward, if you have unused credits you haven't claimed before your benefit year ends, they will transfer over to the new benefit year for a maximum of one year. 

This means credits from two years ago will not transfer over.  

With Expense Carry Forward, unused credits you haven't claimed before your benefit year ends do not transfer over to your new benefit year. However, you have a longer period to claim receipts. You can claim last benefit year's expenses in the new benefit year, using new benefit year credits.  

With No Carry Forward, unused credits you haven't claimed before your benefit year ends do not transfer over to your new benefit year. And you can only claim expenses incurred during the current, open benefit period.  

How to view the Carry Forward type on your account

1. Login and click on the "Plan" tab.

2. Scroll down to the "General" section to see the type of Carry Forward you have. Depending on the type of Spending Account plan you have, you may have more than one Carry Forward available.

Please note, employees are able to see Carry Forward information on their online portal, and on our mobile app, Claim Snap. 

How to edit the Carry Forward on your account 

Contact support@nationalhealthclaim.com to see if an edit to the Carry Forward on your account is allowable. Certain restrictions may apply.