After your reimbursement claim is approved, your employer issues your reimbursement. Most employees receive payment during their employer's next scheduled payroll or reimbursement cycle.
Confused about how the process works? Under an ICHRA or QSEHRA, you pay your insurance premium directly to your carrier each month, then submit it as a reimbursement claim. Take Command reviews the claim and approves it — your employer then issues payment to you. Take Command does not pay you directly.
How does the reimbursement process work?
Every reimbursement follows three steps:
Submit an eligible reimbursement request through your Take Command Member Portal. You will typically need to include your insurance premium invoice or statement and proof of payment (such as a bank or credit card statement).
Take Command reviews your claim to verify it meets your employer's HRA requirements.
Your employer issues payment after the claim is approved.
Take Command administers the reimbursement process but does not issue reimbursement payments.
When will I receive my reimbursement?
After your claim is approved, your employer determines when reimbursement is paid.
Take Command's claim review must complete before a claim can be approved — allow time for this step before expecting payment from your employer. If you recently submitted a claim and it still shows as Pending Review, the review process is still in progress.
Most employers include approved reimbursements in their next scheduled:
Payroll cycle
Reimbursement cycle
Other employer-approved payment process
Payment timing varies by employer.
Monthly report timing: After your claim is approved, it is included in your employer's next monthly reimbursement report. If your claim was approved after this month's reporting cutoff, it will appear on the following month's report. Allow at least one full employer payroll or reimbursement cycle after your claim reaches Approved status before expecting payment.
How long does the whole process take from submission to payment?
The total time depends on four factors working in sequence:
Take Command review: typically a few business days after submission, though high-volume periods can take longer.
Monthly reporting cutoff: once approved, your claim is included in the next monthly reimbursement report to your employer. If your approval happened after this month's cutoff, it will appear on the following month's report.
Employer payroll cycle: your employer issues payment on their own payroll or reimbursement schedule — Take Command does not control this timing.
Payment delivery: direct deposits typically take a few business days after your employer processes; paper checks add mailing time.
Because these steps are sequential, the full process commonly takes 2–6 weeks end-to-end. If you submitted close to a monthly cutoff or your employer runs payroll monthly rather than bi-weekly, you may be closer to the longer end.
How can I check whether my claim has been approved?
To view your reimbursement status:
Sign in to your Take Command Member Portal.
Open the Reimbursements section.
Locate your reimbursement request.
Review the current claim status.
If your claim is marked Approved, it is eligible for employer payment.
What if I can't find the Reimbursements section?
If the Reimbursements section is not visible in your portal navigation, this may indicate a portal access or account configuration issue — not a problem with your claim itself.
Contact Customer Experience and include your full name and a screenshot of your portal navigation. They can locate your reimbursement records or help restore access.
Does claim approval mean I'll be paid immediately?
No. Claim approval means your reimbursement has been approved for payment.
Your employer determines when approved reimbursements are issued based on its payroll or reimbursement schedule.
Does Take Command send reimbursement payments?
No.
Take Command:
Reviews reimbursement requests.
Approves eligible claims.
Provides reimbursement reports to employers.
Your employer:
Funds reimbursements.
Issues payments.
Determines payment timing.
Employees receive reimbursement payments directly from their employer.
What if I have multiple insurance premiums?
If you have multiple insurance premiums — such as a primary medical plan and a supplemental plan — you may need to submit a separate reimbursement request for each premium type. Check the status of each submission individually in the Reimbursements section of your portal.
Can I submit reimbursements for previous months retroactively?
Yes — reimbursements are generally calculated retroactively back to your HRA eligibility start date. If you were eligible but did not submit claims for prior months, you can typically submit them now. Check your Member Portal for your plan's specific submission deadlines, or contact Customer Experience to confirm which months are still eligible.
What should I do if I haven't received payment?
If your claim is approved but payment hasn't arrived:
Confirm your employer's next payroll or reimbursement date has passed.
Contact your employer or Human Resources to verify when reimbursements are issued.
If your employer believes there's an issue with the approved claim, they can contact Take Command for assistance. If your employer confirms payment was issued but you have not received it, ask them to confirm the payment method and date — direct deposits may take several business days, and paper checks require mailing time.
When does this article not apply?
This article does not apply if your reimbursement request is:
Pending Review
Scheduled
Denied
Those statuses indicate your reimbursement is still being processed or requires additional action before payment can be issued.
If your claim is Denied, check the denial reason in the Reimbursements section of your portal. Common reasons include missing documentation such as a premium invoice or proof of payment. You may be able to correct and resubmit the claim with the required documentation, or contact Customer Experience for guidance.
Key takeaway
Take Command reviews and approves reimbursement requests, but your employer issues reimbursement payments. After your claim is approved, reimbursement is typically included in your employer's next scheduled payroll or reimbursement cycle.