FAQs

FAQs

How do I manage and view my account?

There are four ways to access your plan details:

  • The easiest option is to use the mobile app. The mobile app is available for download from the Apple App Store or Google Play. On the mobile app you can view your current account balance, file claims and securely contact Surency. Learn more at Surency.com/App.
  • Log in to your online Member Account to view your account details, file claims, and more.
  • Contact Surency Customer Service at 866-818-8805.
  • You can also sign up to receive electronic updates on your plan via email and/or text alerts. Log in to your Member Account, visit the “Statements & Notifications” tab to select your notification preference.

What happens to my LSA if I leave my employer?

In most cases, you’ll lose access to unused LSA funds when your employment ends. Some employers may allow claims for expenses incurred before your last day. Check your plan details for specifics or contact Surency.

Do my LSA funds carryover if I don’t use them?

This depends on your employer’s plan design. Some employers allow carryover into the next plan year, while others have a “use it or lose it” rule. Check your plan details for specifics or contact Surency.

What’s the difference between an LSA and a Flexible Spending Account (FSA) or Health Savings Account (HSA)?

FSAs and HSAs cover IRS-defined medical expenses and have tax advantages. LSAs are employer-funded, post-tax, and designed for broader wellness expenses.

When do I get access to my LSA funds?

Funds are available once your employer contributes them to your account. Availability may be all at once or on a set schedule, depending on your plan. Contact Surency for your specific plan details.

How do I submit a claim if I purchased an item or service out-of-pocket with my LSA funds?

You can submit a claim online using the Surency Mobile App or your Member Account to be reimbursed. You could alternatively go to Surency.com/Forms to download a reimbursement form.

What documentation is required for LSA expenses?

Documentation requirements are determined by your employer. Please check with Surency to see what documentation is required. Surency could require proof of documentation to ensure that purchases meet the list defined by your employer.

Are there any tax implications with an LSA?

Since your employer funds an LSA with post-tax dollars, the dollars you spend is considered taxable income.

What is a Lifestyle Spending Account (LSA)?

A Lifestyle Spending Account (LSA) is a spending account for your well-being. It is a post-tax spending account, funded by your employer, with eligible expenses that will depend on your particular plan. Eligible expenses for LSAs will differ from plan to plan, but in general, eligible expenses are purchases that promote a healthy lifestyle.

Why do I need to submit receipts/documentation for my FSA claims?

The IRS requires that FSA funds are only used on eligible expenses and that there is documentation to support that. It is Surency’s job as an FSA administrator to make sure you and your employer are compliant with the IRS rules. Learn more here.

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Choose your Surency account type below to log in and access your account. Reimbursement accounts include FSA, DC FSA, LP FSA, HSA, HRA, Commuter, LSA, QSEHRA, Adoption Assistance, Travel Benefits, Direct Billing and Premium Only Plans.

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