Unused HRA allowance accumulates throughout the plan year but cannot be carried forward indefinitely. After the plan year ends, you may have a limited period to submit eligible prior-year expenses before any remaining unused allowance expires.
Does my unused allowance roll over each month?
Yes.
Unused allowance rolls forward from month to month during the plan year, allowing you to use available funds for eligible expenses incurred during that same plan year.
What happens at the end of the year?
At the end of the plan year, any remaining unused allowance is no longer available after your employer's claims submission deadline.
You may still have a limited runout period to submit eligible expenses that were incurred during the previous plan year.
Unused allowance cannot be carried into a new plan year for new expenses unless your employer's plan specifically allows it.
How do I check my remaining allowance?
To view your available balance:
Sign in to your Take Command Member Portal.
Open your dashboard.
Review your prior-year and current-year allowance balances, if available.
Your dashboard displays the remaining balance available for eligible reimbursement requests.
What if I don't use my entire allowance?
Any unused allowance remaining after the claims submission deadline expires according to your employer's plan rules.
Unused HRA funds are not paid directly to employees.
When does this article not apply?
This article explains how unused allowance is handled at year-end.
It does not explain how to submit prior-year reimbursement requests or claim deadlines.
Key takeaway
Unused HRA allowance accumulates during the plan year, but remaining funds expire after the plan year's claims submission deadline unless your employer's plan provides otherwise.