What to do when a Further account holder dies
Contact Further — 6-step process, and 5 required documents
Brand change
HealthEquity, Inc. completed its acquisition of Further on November 1, 2021. Further-branded HSAs continue to be serviced under the Further name at hellofurther.com. Effective November 2021.
The procedures below reflect Further's accounts. Account servicing may transfer as the change takes effect.
Member Services
Phone1-800-859-2144
Mailing Address
Further, P.O. Box 64193, St. Paul, MN 55164-0193
Group Services (employers/partners)
Document Fax
WebsiteLearn more→
Member Services
Phone1-800-859-2144
Mailing Address
Further, P.O. Box 64193, St. Paul, MN 55164-0193
Group Services (employers/partners)
Document Fax
WebsiteLearn more→
Member Services
Phone1-800-859-2144
Fax1-866-231-0214
Mailing Address
Further, P.O. Box 64193, St. Paul, MN 55164-0193
WebsiteNotify online→
Verified Jul 2026
After a Further account holder dies, accounts with beneficiary designations or trust ownership transfer to the designated recipients without probate. Solely-owned accounts require the estate's representative to contact Further's Member Services at 1-800-859-2144 with the proper legal authority documents.
Further provides an online portal for initiating death claims, which can simplify the initial notification and document submission process. Claims can also be started by phone or by mailing the required documents.
Death claim process
The death claim process at Further works as follows:
Filing a claim
1
Contact Further Member Services at 800-859-2144 to report the accountholder's death and request the death distribution instructions
2
Submit the documentation Further requests:
- A death certificate
- Proof of identity for the spouse and any beneficiaries
- The HSA Transfer Form if a surviving spouse is transferring the account into their own HSA
- The HSA Close Account Request Form if the account is being closed for a non-spouse beneficiary or the estate
3
A surviving spouse named as beneficiary keeps the account as their own HSA; withdrawals for the spouse's eligible expenses remain tax free, or the spouse can receive an administrative check for the balance
4
A non-spouse beneficiary or the estate cannot keep the account as an HSA; the account is closed and the remaining balance is paid by administrative check
5
Before the account is closed or transferred, the beneficiary or estate administrator can file claims for the accountholder's unclaimed eligible medical expenses incurred before the date of death by completing the HSA Withdrawal Request form
6
Submit forms and documents by secured email to further.documents@hellofurther.com, by fax to 866-231-0214, or by mail to Further, P.O. Box 64193, St. Paul, MN 55164-0193
Required Documents
- Death certificate
- Proof of identity for the spouse and any beneficiaries
- HSA Transfer Form (surviving spouse transferring to their own HSA)
- HSA Close Account Request Form (non-spouse beneficiary or estate)
- HSA Withdrawal Request form (to claim the decedent's unclaimed eligible expenses before closing)
What to know at this institution
The spouse vs. non-spouse tax distinction is the controlling estate fact. When a surviving spouse is the beneficiary, the HSA is treated as the surviving spouse's HSA and withdrawals for eligible expenses are tax free. For a non-spouse beneficiary, the estate, or when no beneficiary is named, the HSA ceases to be an HSA as of the date of death and its value is taxable to the beneficiary, or to the estate of the accountholder if a beneficiary is not named. Before closure, unclaimed eligible expenses the accountholder incurred before death may be paid from the account. Further directs members to consult a tax or legal advisor for their situation.
Prepare your letter of instruction to Further
Further asks for a letter of instruction alongside its claim form. We prepare a transmittal cover letter and the enclosure checklist Further requires.
Build your letter of instructionFurther requires several documents to process a claim, including Death certificate, Proof of identity for the spouse and any beneficiaries, and HSA Transfer Form (surviving spouse transferring to their own HSA), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
A primary beneficiary receives 100% of your account balance upon your death. A contingent beneficiary receives the balance only if the primary beneficiary has already died before you. You can name more than one beneficiary and set a whole-number percentage of your balance for each.
If anyone other than your spouse is the beneficiary, the HSA ends on the date of your death. The account is closed and the remaining balance is paid to the beneficiary by administrative check. The value of the HSA becomes taxable to that beneficiary in the year of death.
If no beneficiary is named and you are married at the time of death, your spouse is deemed the beneficiary and can keep the account as their own HSA. If you are not married and no beneficiary is on file, the account passes to your estate, the HSA ends as of the date of death, and its value is taxable to the estate on the accountholder's final income tax return.
Yes. Before the account is closed or transferred, the beneficiary or estate administrator can file claims for the accountholder's unclaimed eligible medical expenses incurred before the date of death, such as copays, deductibles, prescriptions, and other qualified costs. The estate administrator completes the HSA Withdrawal Request form to do this. Amounts paid for those expenses are not taxable.
Contact Further Member Services at 800-859-2144 to report the death and request death distribution instructions. Further requests a death certificate and proof of identity for the spouse and beneficiaries, plus the HSA Transfer Form (spouse) or HSA Close Account Request Form (non-spouse or estate). Documents can be submitted by secured email to further.documents@hellofurther.com, by fax to 866-231-0214, or by mail to Further, P.O. Box 64193, St. Paul, MN 55164-0193.
A trust can be named on an HSA beneficiary designation. A trust does not receive the tax treatment available to a surviving spouse: when the HSA passes to anyone other than a spouse, the account ends on the date of death and its value is taxable. Further directs members to consult a tax or legal advisor before naming a trust as HSA beneficiary.
Further's Member Services can be reached by phone at 1-800-859-2144, email at further.documents@hellofurther.com, and fax at 1-866-231-0214 for questions throughout the claims process.
Sources
Data sourced from Further primary sources (5 pages reviewed). How we research.
Member Services
Phone1-800-859-2144
Mailing Address
Further, P.O. Box 64193, St. Paul, MN 55164-0193
Group Services (employers/partners)
Document Fax
WebsiteLearn more→
Member Services
Phone1-800-859-2144
Mailing Address
Further, P.O. Box 64193, St. Paul, MN 55164-0193
Group Services (employers/partners)
Document Fax
WebsiteLearn more→
Member Services
Phone1-800-859-2144
Fax1-866-231-0214
Mailing Address
Further, P.O. Box 64193, St. Paul, MN 55164-0193
WebsiteNotify online→
Verified Jul 2026
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