The only time outside of your new hire or open enrollment windows that you can make changes to FSA elections is when you experience a qualifying life event You have until March 15th of the following year to use your Healthcare FSA dollars, and until March 31st to file your claims If you elect FSA in one plan year, and wish to elect for the following plan year, that election must be made during Open Enrollment. There is no roll-over with FSAs If your employment with loanDepot ends, your FSA eligibility will end on your last date of employment. You will not be able to submit expenses for claims incurred following your separation date If you have any claims at the time of your termination that you have not been reimbursed for, you will have 90 days to submit for reimbursement with Fidelity. Unused funds will be forfeited Most claims will require you to submit documentation to verify that the expense is FSA-eligible. If you do not submit the requested documentation, your access to FSA funds may be restricted until you do.