{"id":9342,"date":"2018-11-27T07:57:22","date_gmt":"2018-11-27T13:57:22","guid":{"rendered":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/?page_id=9342"},"modified":"2026-01-23T13:20:21","modified_gmt":"2026-01-23T19:20:21","slug":"fsaunsubstantiated","status":"publish","type":"page","link":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/fsaunsubstantiated\/","title":{"rendered":"Flexible Spending Account (FSA) Unsubstantiated Claims Process"},"content":{"rendered":"\n\t\t\t\t\t<div id=\"cfct-build-9342\" class=\"cfct-build grid\">\n\t\t\t\t\t\t<div class=\"row\"><div class=\"col-md-3 cfct-block\">\n\t\t\t<div class=\"cfct-module cfct-supplemental\">\n\t\t\t\t    <div class=\"cfct-mod-content\">\n    <nav class=\"widget widget_meta\" >\n\n        <div class=\"menu-cfct-module-a02e4f5305c6a943299033f908ed93af-container\"><ul id = \"menu-full-benefits-menu\" class = \"menu nav\"><li id=\"menu-item-22783\" class=\"menu-item menu-item-type-custom menu-item-object-custom menu-item-22783\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/general-employee-info\/\">General Employee Information<\/a><\/li>\n<li id=\"menu-item-7385\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7385\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/\">Health Insurance<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7392\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7392\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/health-plan-design\/\">Health Plan Design<\/a><\/li>\n\t<li id=\"menu-item-7391\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7391\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/hdhp\/\">HDHP Plan Design<\/a><\/li>\n\t<li id=\"menu-item-7388\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7388\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/access-plan\/\">Access Health Plan Design<\/a><\/li>\n\t<li id=\"menu-item-7387\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7387\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/access-hdhp\/\">Access HDHP Plan Design<\/a><\/li>\n\t<li id=\"menu-item-12975\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12975\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/pharmacy-benefits\/\">Pharmacy Benefits<\/a><\/li>\n\t<li id=\"menu-item-11780\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-11780\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/opt-out\/\">Opt-Out Incentive<\/a><\/li>\n\t<li id=\"menu-item-7393\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7393\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/select-a-plan\/\">How To Choose Your Health Insurance Plan<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7396\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7396\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/dental-vision\/\">Dental &amp; Vision Insurance<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-10563\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-10563\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/health\/uniform-dental\/\">Uniform &amp; Preventive Dental Insurance<\/a><\/li>\n\t<li id=\"menu-item-10566\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-10566\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/dental-vision\/suppdental\/\">Supplemental Dental Insurance<\/a><\/li>\n\t<li id=\"menu-item-7399\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7399\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/dental-vision\/vision\/\">Vision Insurance<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-8103\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-8103\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life\/\">Life Insurance<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7406\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7406\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life\/sgl\/\">State Group Life Insurance<\/a><\/li>\n\t<li id=\"menu-item-7403\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7403\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life\/if\/\">Individual &amp; Family Life Insurance<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-15934\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-15934\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/accident\/\">AD&amp;D and Accident Insurance<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7402\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7402\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/accident\/add\/\">Accidental Death &amp; Dismemberment Insurance<\/a><\/li>\n\t<li id=\"menu-item-15065\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-15065\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/accident\/accident\/\">Accident Insurance<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-13604\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-13604\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/\">Disability and Income Continuation<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-13609\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13609\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/ici\/\">Income Continuation Insurance<\/a><\/li>\n\t<li id=\"menu-item-13608\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13608\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/disret\/\">Disability Retirement Program<\/a><\/li>\n\t<li id=\"menu-item-13607\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13607\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/duty\/\">Duty Disability<\/a><\/li>\n\t<li id=\"menu-item-13606\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13606\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/workcomp\/\">Worker\u2019s Compensation<\/a><\/li>\n\t<li id=\"menu-item-13605\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13605\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/disability\/ss\/\">Social Security Disability<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-8100\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-8100\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/spending-savings-accts\/\">Spending &amp; Savings Accounts<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7408\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7408\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/spending-savings-accts\/fsa\/\">Flexible Spending Accounts<\/a><\/li>\n\t<li id=\"menu-item-8102\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-8102\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/spending-savings-accts\/hsa\/\">Health Savings Account<\/a><\/li>\n\t<li id=\"menu-item-8101\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-8101\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/spending-savings-accts\/parking-transit\/\">Parking &amp; Transit Accounts<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7412\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7412\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/\">Retirement Plans<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7411\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7411\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/wrs\/\">Wisconsin Retirement System<\/a><\/li>\n\t<li id=\"menu-item-7413\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7413\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/srp\/\">UW 403(b) Supplemental Retirement Program<\/a><\/li>\n\t<li id=\"menu-item-7410\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7410\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/wdc\/\">Wisconsin Deferred Compensation 457 Program<\/a><\/li>\n\t<li id=\"menu-item-11481\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-11481\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/sick-leave-credit-conversion-program\/\">Sick Leave Credit Conversion Program<\/a><\/li>\n\t<li id=\"menu-item-7414\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7414\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/ret\/ssm\/\">Social Security and Medicare<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7416\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7416\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/\">Leave Benefits<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-7423\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7423\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/vacation\/\">Vacation<\/a><\/li>\n\t<li id=\"menu-item-7420\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7420\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/ph\/\">Personal Holiday<\/a><\/li>\n\t<li id=\"menu-item-7417\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7417\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/holidays\/\">Legal Holidays<\/a><\/li>\n\t<li id=\"menu-item-7421\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7421\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/sick\/\">Sick Leave<\/a><\/li>\n\t<li id=\"menu-item-27331\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-27331\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/paid-parental-leave\/\">Paid Parental Leave<\/a><\/li>\n\t<li id=\"menu-item-7427\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7427\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/fmla\/\">Family &amp; Medical Leave<\/a><\/li>\n\t<li id=\"menu-item-7419\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7419\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/misc\/\">Miscellaneous Leave Provisions<\/a><\/li>\n\t<li id=\"menu-item-7424\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7424\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/meddonation\/\">Bone Marrow and Human Organ Donation<\/a><\/li>\n\t<li id=\"menu-item-7425\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7425\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/catastrophic\/\">Catastrophic Leave<\/a><\/li>\n\t<li id=\"menu-item-7418\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7418\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/military\/\">Military Leave<\/a><\/li>\n\t<li id=\"menu-item-9585\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-9585\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/leave\/reporting\/\">Leave Reporting<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7893\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7893\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/\">Other Benefits<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-12441\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12441\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/529-college-savings-plan\/\">529 College Savings Plan<\/a><\/li>\n\t<li id=\"menu-item-12440\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12440\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/educationalreimbursement\/\">Career-Related Educational Reimbursement<\/a><\/li>\n\t<li id=\"menu-item-12439\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12439\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/lifestyle\/\">Lifestyle Benefits Program<\/a><\/li>\n\t<li id=\"menu-item-12438\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-12438\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/long-term-care-insurance\/\">Long-Term Care Insurance<\/a><\/li>\n\t<li id=\"menu-item-22096\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-22096\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/other-benefits\/public-service-loan-forgiveness-program\/\">Public Service Loan Forgiveness Program<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7598\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-7598\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life-events\/\">Life Events<\/a>\n<ul class=\"sub-menu\">\n\t<li id=\"menu-item-13782\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13782\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life-events\/empcha\/\">Employment Changes<\/a><\/li>\n\t<li id=\"menu-item-13783\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-13783\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/life-events\/famchng\/\">Family Changes<\/a><\/li>\n<\/ul>\n<\/li>\n<li id=\"menu-item-7428\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7428\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/premiums\/\">Benefits Premiums<\/a><\/li>\n<li id=\"menu-item-27142\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-27142\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/formspubs\/\">Forms &amp; Resources<\/a><\/li>\n<li id=\"menu-item-7429\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-7429\"><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/contact\/\">Benefits Contacts<\/a><\/li>\n<\/ul><\/div>    <\/nav>\n<\/div>\n\n\t\t\t<\/div><\/div><div class=\"col-md-9 cfct-block\">\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><div class=\"notice alert alert-warning\">\n<p>When you receive notices from <strong>Optum,<\/strong> the 2025 Flexible Spending Account (FSA) Administrator, about unsubstantiated claims, substantiate, substitute, or repay your unsubstantiated claims, <strong>preferably by December 31st<\/strong>. This page includes information on how to resolve your 2025 claims and a timeline of what will occur in 2026 if you do not resolve your claims timely.<\/p>\n<\/div>\n<div id=\"toc\" class=\"uwsa-toc callout hidden-print\"><\/div><style>@media (min-width: 768px) {#toc { max-width: 50%} <\/style><script>jQuery(document).ready(function() {\n \t\t\t\t\tgenerateTOC(\"FSA Unsubstantiated Claims Process\", \"\", \"div.entry-content\" ,1 ,\"true\", \"toc\");\n \t\t\t\t\t });<\/script>\n<h2>Basics of Healthcare FSA Unsubstantiated Claims<\/h2>\n<p>If a health care FSA payment card transaction is not automatically substantiated, you will be notified of an &#8220;unsubstantiated claim&#8221; that needs to be resolved by substantiation, substitution, or repayment. You will receive notices about the unsubstantiated claim via the email address associated with your Optum account:<\/p>\n<ul>\n<li>10 days after the transaction<\/li>\n<li>40 days after the transaction<\/li>\n<li>70 days after the transaction<\/li>\n<\/ul>\n<p>If your claims are not resolved within 85 days, your payment card will be deactivated (until your claims are resolved). Check the junk folder in your email for these notices. If you do not have an email address associated with your Optum account, the notices will be sent via U.S. Mail.<\/p>\n<p>The FSA administrator sends these notifications for every health care FSA unsubstantiated claim throughout the year.<\/p>\n<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><h2>Resolving Your Unsubstantiated Claims<\/h2>\n<p>To avoid the payroll withholding process, 2025 healthcare FSA claims must be resolved by December 31, 2025. To resolve a claim, you should do one of the following:<\/p>\n<ul>\n<li><strong>Substantiate<\/strong> the original claim with documentation. Documentation may include:\n<ul>\n<li><a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/blog\/2025\/11\/03\/what-is-an-explanation-of-benefits-eob\/\" target=\"_blank\" rel=\"noopener\">Explanation of benefits (EOB)<\/a> provided by your health or dental insurance carrier (recommended when available)<\/li>\n<li>Itemized statement<\/li>\n<\/ul>\n<\/li>\n<li><strong>Substitute<\/strong> the original claim with another eligible expense. A substituted claim cannot be a claim previously submitted, and must be for the 2025 plan year.<\/li>\n<li><strong>Repay<\/strong> the amount of the claim directly to Optum. To do so, log into your account, or contact Optum to walk you through this option.<\/li>\n<\/ul>\n<p>You may submit documentation to resolve your claims using the Optum mobile app or the <a href=\"https:\/\/my.optum.com\/etf\" target=\"_blank\" rel=\"noopener\">Optum website<\/a>.<\/p>\n<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><h2>Communications<\/h2>\n<p>If you have unsubstantiated FSA claims, additional communications are sent toward the end of the plan year. Notifications are sent to the email or mailing address associated with your account.<\/p>\n<ul>\n<li><span class=\"doc-icon\"><a class=\"doc-type pdf\" href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/download\/vendornoticeemail.pdf\" target=\"_blank\">Notice of Health Care FSA Unsubstantiated Claims (email)<span class=\"sr-only\"> pdf<\/span><\/a><\/span>\r\n (from Optum)\n<ul>\n<li>via<strong> email:<\/strong> 11\/5\/2025, 11\/19\/2025, 12\/3\/2025, 12\/17\/2025<\/li>\n<\/ul>\n<\/li>\n<li><span class=\"doc-icon\"><a class=\"doc-type pdf\" href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/download\/vendornoticeletter.pdf\" target=\"_blank\">Notice of Health Care FSA Unsubstantiated Claims (U.S. Mail)<span class=\"sr-only\"> pdf<\/span><\/a><\/span>\r\n (from Optum)\n<ul>\n<li>via <strong>U.S. Mail:<\/strong> 11\/12\/2025, 12\/10\/2025<\/li>\n<\/ul>\n<\/li>\n<li><span class=\"doc-icon\"><a class=\"doc-type pdf\" href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/download\/uwsnoticeemail.pdf\" target=\"_blank\">Notice of Health Care FSA Unsubstantiated Claims (email)<span class=\"sr-only\"> pdf<\/span><\/a><\/span>\r\n (from Universities of Wisconsin)\n<ul>\n<li>via <strong>email:<\/strong> January 26, 2026<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><h2>Payroll Withholding Process<\/h2>\n<p>In January, Optum provided a report to the Universities of Wisconsin with employees with health care FSA unsubstantiated claims (incurred on\/prior to 12\/31\/2025). The report is used for the payroll withholding process.<\/p>\n<p>The Universities of Wisconsin will send an email to the affected employees to make them aware of the payroll withholding process, and that it will continue through March (even if claims are substantiated during the process). Payroll deductions will occur as follows:<\/p>\n<table class=\"table-striped\" style=\"width: 729px;height: 135px\">\n<tbody>\n<tr>\n<td style=\"width: 167.64px\"><strong>Claims Amount<\/strong><\/td>\n<td style=\"width: 560.36px\"><strong>Action<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 167.64px\">At or less than $100<\/td>\n<td style=\"width: 560.36px\">The claims amount will be deducted from the 2\/5\/2026 paycheck.<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 167.64px\">Greater than $100<\/td>\n<td style=\"width: 560.36px\">The claims amount will be divided by four and deducted from four paychecks.<\/p>\n<ul>\n<li>02\/05\/2026<\/li>\n<li>02\/19\/2026<\/li>\n<li>03\/05\/2026<\/li>\n<li>03\/19\/2026<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Frequently Asked Questions<\/h2>\n<p><strong>I substantiated my claims a few days ago. Why did I receive the payroll withholding email?<\/strong><\/p>\n<p>The substantiation and payroll withholding processes are complex. There is a chance your claims have been resolved; however, you also appeared on the unsubstantiated claims report. This is likely a timing issue. Payroll withholdings will need to occur for all of the pay dates listed above. If necessary, after March 31st, a refund will be issued directly to you <strong>by Optum<\/strong>.<\/p>\n<p><strong>May I resolve unsubstantiated claims during the payroll withholding process and if so, how?<\/strong><\/p>\n<p>Yes. You may resolve unsubstantiated claims until <strong>March 31, 2026 <\/strong>but you will be included in the payroll withholding process. Refer to the &#8220;Resolving Healthcare FSA Unsubstantiated Claims&#8221; section above for additional information. If necessary, after March 31st, a refund will be issued to you <strong>by Optum<\/strong>.<\/p>\n<p><strong>I used my payment card in November and December, and have started to receive notifications from Optum to resolve my claims. If I did not resolve my claims by December 31, 2025, will I be part of the payroll withholding process?<\/strong><\/p>\n<p>Yes, if you did not resolve your claims by December 31, 2025, you will go through the payroll withholding process.<\/p>\n<p><strong>Why should I resolve unsubstantiated claims after the payroll withholding process has begun?<\/strong><br \/>\nIf you substantiate your claims, a refund will be issued to you <strong>by Optum<\/strong>.<\/p>\n<p><strong>What if the payroll withholding process will cause me a significant financial hardship?<\/strong><br \/>\nIf the payroll withholding process will cause you a significant financial hardship, reach out to your <a href=\"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/contact\/\" target=\"_blank\" rel=\"noopener\">benefits contact<\/a> to determine if other options are available.<\/p>\n<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><h2>Inactive Employees<\/h2>\n<p>If you are no longer an active employee:<\/p>\n<ul>\n<li>You are responsible for updating your email and mailing address directly with Optum.<\/li>\n<li>If you do not resolve an unsubstantiated claim, it will be converted to business debt.<\/li>\n<\/ul>\n<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><h2>Questions<\/h2>\n<p>For questions on how to resolve a health care FSA unsubstantiated claim, eligible expenses, or the status of a claim, contact <strong>Optum <\/strong>at (833) 881-8158 or visit the Optum mobile app or the <a href=\"https:\/\/my.optum.com\/etf\" target=\"_blank\" rel=\"noopener\">Optum website<\/a>.<\/p>\n<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module cfct-lastupdate\">\n\t\t\t\t<div class=\"listing-module\"><p><span class=\"item-date\">Updated: 01\/23\/2026<\/span><\/p><\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"cfct-module uwsa-rich-text\">\n\t\t\t\t<div class=\"cfct-mod-content copy\"><p><em>Every effort has been made to ensure this information is current and correct. Information on this page does not guarantee enrollment, benefits and\/or the ability to make changes to your benefits. <\/em><\/p>\n<\/div>\n\t\t\t<\/div><\/div><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1612,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-9342","page","type-page","status-publish","hentry","cfct-can-haz-build"],"_links":{"self":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/pages\/9342","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/users\/1612"}],"replies":[{"embeddable":true,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/comments?post=9342"}],"version-history":[{"count":16,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/pages\/9342\/revisions"}],"predecessor-version":[{"id":29731,"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/pages\/9342\/revisions\/29731"}],"wp:attachment":[{"href":"https:\/\/www.wisconsin.edu\/ohrwd\/benefits\/wp-json\/wp\/v2\/media?parent=9342"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}