Filing Claims and Uploading Receipts

FILING CLAIMS
If you pay for an FSA-eligible expense out of pocket, you can file a claim to be reimbursed from your Flexible Spending Account (FSA). The easiest way to file a claim is either online through the Alerus employee website, or via Alerus Benefits mobile app.

To file a claim, from the website or mobile app, click the File a Claim button in the I Want To section.

• The claim filing wizard will walk you through the request including entry of information, payee details, and uploading a receipt.
• To submit more than one claim, click Add Another, from the Transaction Summary page.
• When all claims are entered in the Transaction Summary, click Submit to send the claims for processing.

The Claim Confirmation page will then display, from here you can save or print the Claim Confirmation Form for your records. If you did not upload a receipt, you can upload the receipt from this screen or print a Claim Confirmation Form to submit to the administrator with the required receipts.

Once your claim has been approved, you can receive your reimbursement in one of two ways. The default option is to receive a check in the mail. The fastest way for you to receive your money, however, is to set up direct deposit, so that your money can be quickly deposited straight into your bank account.

To set up direct deposit, log into the Alerus employee website and click on Accounts tab. Then select Banking/Cards from the PROFILE menu. Click Add Bank Account, enter your banking information and click Submit. Once the bank account has been added, click the Tools & Support tab and select Change Payment Method from the How Do I? section. Click the Update button next to any payment methods you would like to change and select Direct Deposit under Alternate Payment Method and then click Submit.

Remember, you cannot be reimbursed for an expense that is not an approved FSA expense. If you’re not sure whether your out-of-pocket expense is eligible for reimbursement, please contact your employer.

DEBIT CARD SUBSTANTIATION
The IRS requires Alerus to be able to verify that all debit card transactions are used to purchase eligible items. If you use your Alerus FSA Debit Card to pay for a product or service, you may be asked to submit an itemized receipt to substantiate the expense. In some IRS approved instances, your card transactions may be auto-substantiated. If your expense is not auto-substantiated, then you are required to provide documentation to prove eligibility. When a receipt is being requested, you will receive an email notification.

Acceptable Documentation
If you are asked to submit a receipt, the documentation you upload must include the following 4 pieces of information:

• The date of service or purchase
• An itemized list of services provided, or products purchased
• The name of the provider or merchant
• The cost of the products or services

Examples of acceptable documentation include an Explanation of Benefits (EOB) from your insurance company EOB, an itemized bill showing the amount you actually paid, or a standard receipt showing each item purchased (no credit card slips).

Uploading Receipts
Receipts can be submitted online, from the Alerus employee website or via the Alerus Benefits mobile app. From the website or mobile app:

• Look for the Receipts Needed link in the Tasks section of the Home page, click on it to be taken to the Claims page.
• From here you can view claims that require documentation and upload receipts as necessary.
• Click on a line item to view the claim details and Upload Receipts link.
• The receipt upload wizard will walk you through the steps necessary to submit necessary receipts.

QUESTIONS?
Our Client Service Center representatives are eager to assist you Monday through Friday, 7 a.m. to 6 p.m. (CT), at 877.661.4727.