Limited Purpose Flexible Spending Account
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Review these frequently asked questions and tips for managing your Limited Purpose Flexible Spending Account, or LPFSA.

How-To Videos

General FAQs

How do I access my LPFSA online?

If you already have an American Fidelity online account, simply log in to access your reimbursement account(s). If you have not created an account, register for an account now. Then, follow the prompts to complete the registration process. You will use this same registration information on the mobile app, AFmobile®.

Typical eligible expenses include qualified dental and vision expenses, like braces or eyeglasses. Ask your employer for the specifics of your plan.

The 2018 maximum allowed by law to contribute pre-tax into this account is $2,650 per plan year. Please note, this amount may be further limited by your employer.

Your entire LPFSA election is available on the first day of the plan year. To view your plan year, start and end dates, log in to your online account.

LPFSAs are “use or lose” accounts. This means, at the end of your plan year, the funds remaining in your account may be forfeited and returned to your employer.

If your employer has elected a carryover provision, you may be able to carry over up to $500 of unused LPFSA contributions to the next plan year.

If your employer has elected a grace period, you will have 2.5 months following the end of your plan year to incur LPFSA claims for the previous plan year’s account balance.

Your plan also includes a runoff period that allows you to file claims for the previous plan year’s expenses. However, these expenses must have been incurred during the plan year or grace period (if applicable).

Log in to your online account to view your plan dates or talk to your employer to discuss specifics.

Only an individual who is a spouse, “qualifying child,” “adult child,” or “qualifying relative” of the account holder can be considered a qualifying dependent for reimbursement of medical expenses.

LPFSAs are typically reserved for paying specific expenses, like dental and vision costs. If you have an HSA, you can enroll in an LPFSA. However, you cannot enroll in an HCFSA and an HSA.  

Learn more about HCFSAs 

An LPFSA covers eligible dental and vision expenses that you would otherwise pay for out of pocket. A DCA covers employment-related expenses for dependent care. These expenses must be services that allow you to go to work, and typically include day care and elder care for legal tax dependents.

Learn more about DCAs 

No. Contributed funds must remain in their designated account.

A Health Savings Account (HSA) allows eligible individuals who are covered by a qualified High Deductible Health Plan (HDHP) to pay for eligible medical expenses of the eligible individual, his/her spouse, and his/her tax dependents.

An HSA helps you pay for the medical expenses not covered by your HDHP—tax-free. 

A Benefits Debit Card allows you to pay for eligible medical expenses. Remember, if you have elected an LPFSA, your expenses would be limited to those related to dental and vision. So, if your employer has elected to offer the Benefits Debit Card, you may use the Card for dental and vision expenses only. 

Please note – if you use your Benefits Debit Card to pay for eligible dental and vision expenses, you must submit a receipt* for every transaction.

If you have a Benefits Debit Card, you may use it at dental and vision offices.

Additionally, many merchants also accept the card. To view a list of participating stores, visit If you have an LPFSA, you will only be able to use the card for dental and vision expenses.

Log in to your online account and select Access My FSA/HRA Account. Then, click the Card icon in the top navigation bar. Next to the lost or stolen card, click Report Lost or Stolen. Once complete, you will have the option to order an additional card.

Request a New Card

If you received a notification or letter in the mail requesting documentation, but failed to provide it to American Fidelity, your Benefits Debit Card will be temporarily blocked.

Learn How to Unblock Your Card 

The Internal Revenue Code (IRC) regulations have requirements stating that expenses must be substantiated using itemized receipts, third party statements, or an Explanation of Benefits. To comply with IRC guidelines, we request documentation of your expense to verify the eligibility of the purchase.

Your documentation should include:

  • Itemized receipts for an expense
  • Original date of service
  • Description of service rendered or expense
  • Charges for the service or expense
  • Provider of the service or expense
  • Recipient of the service or expense

You will receive a request for documentation via mail if you used your Benefits Debit Card to make a Limited Purpose FSA purchase, or if you submitted an out of pocket reimbursement claim without a receipt. You also may receive this letter if the documentation you submitted wasn’t sufficient.

These letters are sent the day after a purchase is made or when the claim is reviewed and determined to be missing documentation or containing insufficient information. So, when receiving this letter, you may have already submitted the necessary documents.

You will receive this letter if your Benefits Debit Card was used for an expense incurred outside the plan year, an ineligible expense, or if the documentation you submitted was insufficient.

When the documentation cannot be provided or the expense is ineligible, you have three options:

  • Submit a different itemized receipt to offset the transaction amount.
  • Contact American Fidelity to make a credit card payment.
  • Submit a check in the amount of the transaction to be applied to your Healthcare FSA account.

You may file a claim for reimbursement through your online account or with AFmobile. Simply log in to your account to get started, or download AFmobile from the Apple App Store or Google Play Store.

To mail or fax your claim, complete a Healthcare FSA and HRA Reimbursement Claim Form and include all applicable receipts and documentation. Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

Eligible expenses generally must have been incurred during the current plan year. Log in to your online account or check with your employer for specific rules applicable to your plan.

Once your claim and all required documentation have been received, the turnaround time for claims processing is generally 5-7 business days.

The fastest way to receive your reimbursement is through direct deposit. Enroll in direct deposit online by logging in to your online accountnavigating to your FSA/HRA portal, and selecting My Profile. Or, you may also elect to receive a mailed check.

You may view your account information at any time by logging in to your American Fidelity account. Then, select Access My FSA/HRA Account and click Claims Activity.

For additional assistance or to file an LPFSA claim, please log in to your account.