How to Submit a TSB Claim
In order to receive a reimbursement from the TSB Healthcare or the TSB Dependent Care Reimbursement Account(s), a Direct Deposit form must be completed and turned in to Nyhart. No hard-copy reimbursement checks will be issued.
- TSB Direct Deposit form (PDF)
The TSB Dependent Care Reimbursement Account allows for the reimbursement of eligible expenses for day/evening care for dependents to allow the employee and/or spouse to work during the plan year. The IU Benefit debit/VISA card is NOT available for use in this plan. All expenses must be paid by the employee and a claim for reimbursement must be submitted to Nyhart along with substantiation of that expense.
Reimbursements will only be made once the service has been fully incurred, even when the daycare provider requires payment in advance. For example: the daycare provider requires payment before January 1 for services rendered during the month of January. According to the IRS, reimbursement cannot be provided from your TSB account until after all services have been rendered (incurred), so reimbursement would be available after January 31st.
The TSB Healthcare Reimbursement Account allows for reimbursement of eligible medical, prescription, dental, and vision expenses. Participants may use the IU Benefit debit/VISA card for point-of-service expenses, however, there will likely be times when expenses are paid by personal check, cash or directly from a personal account. When this occurs, a claim must be submitted to Nyhart in order to receive a reimbursement from the account. Each expense claim must be accompanied by substantiation of that expense.
When to Submit Claims
For the TSB Dependent Care Reimbursement Account, claims can be incurred from the date of your reduction agreement (enrollment) through December 31 of that plan year. All claims must be submitted by April 15th following the end of that plan year. Any unused funds will be forfeit under IRS regulations.
For the TSB Healthcare Reimbursement Account, claims can be incurred from the date of your reduction agreement (enrollment) through the end of the plan year, December 31st (*see Coordinating Claims with an HSA below). All claims must be submitted by February 28th following the end of that plan year. Any unused funds up to $500 can be carried over to the next plan year while any unused funds above $500 will be forfeit under IRS regulations. See the Plan Provisions for the TSB Healthcare Reimbursement Account for more details regarding the carryover provision.
Coordinating Claims with an HSA
According to IRS regulations, if the employee elects to participate in the HSA as well as the TSB Healthcare Reimbursement Account during the same plan year, the TSB account can only be used for dental and vision expenses and post-deductible medical and prescription expenses.
When enrolled in both the HSA and TSB Healthcare accounts the IU Benefit card can be used for both accounts. When the card is used at medical or pharmacy providers, the card will automatically draw from the HSA account funds. When the card is used at dental and vision providers, the card will automatically draw from the TSB Healthcare account funds first, then the HSA funds if the TSB funds have been exhausted.
Once the deductible has been met in the HDHP plan, the employee will need to provide documentation to Nyhart. Then the funds in the TSB can be used for medical and prescription expenses, however, the debit/Visa card will only pull medical and prescription expenses from the HSA account. To use the funds in the TSB for post-deductible medical and prescription expenses, you will need to pay for the expense out-of-pocket then submit a claim for reimbursement to Nyhart All post-deductible medical and prescription claims will need to be submitted by email, fax, mail or online.
For additional information see the TSB Healthcare Reimbursement Account plan provisions.
Submitting Claims by Email, Mail or Fax
Collect the receipts for expenses that were paid for out-of-pocket and print the TSB Claim Form. Complete the form by providing Name, Employee ID, Address, Dependent Information (if the expense is for them), the Type of Expense, Date Incurred and the Amount. Multiple expenses can be listed on one claim form.
Send the TSB Claim Form and the supporting documents to Nyhart by:
- Fax: (888) 887-9961
- Mail: The Nyhart Company, Inc.
Attention: Flex Claim Reimbursement
8415 Allison Pointe Boulevard, Suite 300
Indianapolis, IN 46250
Please do not send the same claim by multiple methods.
Submitting Claims Online
To submit claim information online, go to iu.nyhart.com. Login and select: ‘Submit Claim’. In order to substantiate claims online it is necessary to have a digital file of the supporting documentation to attach to each expense item.
Please note that the online claim submission process is not for debit card substantiations. Additionally, please do not send the same claim by multiple methods.
Supporting Documentation for Expense Claims
For each expense in a claim for reimbursement a supporting document must be included. Supporting Documents (claim substantiation) can be in the form of:
- A copy of a receipt for service or purchase
- A copy of a confirmed online bill payment
- A copy of health claim summaries (EOB) from an insurer
Each supporting document must include the following:
- Name of provider
- Date of service/purchase
- Type of service/purchase
- Charge (Amount) for each service/purchase
Be sure to retain a copy of the Claim and the supporting documentation.
- TSB Claim Form (PDF)
If you have questions about allowable expenses or making a claim, contact The Nyhart Company Claim Center at 1-800-284-8412.