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These provisions apply beginning from June 1st to May 31st, the benefit plan year. If you have a balance in your Health Care Flexible Spending Account (HCFSA) and/or Dependent Care Flexible Spending Account (DCFSA) at the end of the current benefit plan year (May 31st) you have an additional 2½-month "Grace Period" to incur eligible expenses. This means that you have until August 15th to use any HCFSA and/or DCFSA balance remaining in your account as of May 31st.

This Grace Period does not eliminate the "Use It or Lose It" rule. You must incur eligible expenses for any balance remaining in your HCFSA and/or DCFSA account as of May 31st no later than August 15th and submit them timely for reimbursement.

If you use the flexible spending account debit card after May 31st and before August 15th of the following benefit plan year, and there is a remaining HCFSA and/or DCFSA balance for the previous benefit plan year, reimbursement will be applied to the previous benefit plan year before expenses for the current benefit plan year.

Any unused amounts in your HCFSA and/or DCFSA at the end of the benefit plan year plus the Grace Period that are not submitted by September 30th will be forfeited and cannot be refunded.

By law, exceptions to these deadlines are not permitted.