What to do when a Further account holder dies
Report the death to Further's Member Services at 1-800-859-2144
Further is now part of HealthEquityAcquired, effective November 2021
HealthEquity, Inc. completed its acquisition of Further on November 1, 2021. Accounts are migrating to the HealthEquity platform in cohorts rather than all at once: for the FurtherDirect cohort, August 21, 2026 was the last day for Further transactions, claims, and debit-card use, a Further-portal blackout began August 22, 2026, and the transition completed September 1, 2026. Members already moved use the HealthEquity portal and HealthEquity Member Services; members not yet moved still use hellofurther.com and 800-859-2144.
After an account holder at Further 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.
The claim process can be initiated by phone at 1-800-859-2144 or by sending documentation to further.documents@hellofurther.com. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Death claim process
The death claim process at Further works as follows:
Filing a claim
- On the form, distribution reason 4 covers a death distribution in the year of death to any beneficiary, or after the year of death to an estate
- Reason 6 covers a distribution after the year of death to a non-spouse beneficiary who is not the estate
- Send Further a copy of the death certificate
- For an internal transfer into a Further HSA, the surviving spouse's information goes at the top left of the form and the deceased accountholder's at the top right
- A spouse without a Further HSA can open one and send the HSA application and the HSA Transfer Request form in together
- A spouse whose HSA is with another administrator uses that administrator's transfer form instead
- A beneficiary requesting a death distribution must furnish proof of entitlement together with a death certificate
- Where the HSA holds a Charles Schwab Self-Directed Brokerage Investment Account, first contact Devenir at 952-345-3261 to liquidate the individual securities
Required Documents
- Death certificate
- Proof of identity for the spouse and any beneficiaries
- Proof of the claimant's entitlement to the distribution, for a death distribution requested on the HSA Close Request formFurnished together with a death certificate.
- A document naming the estate's executor, where no beneficiary is listed and there is no spouse
- HSA Transfer Request form, for a surviving spouse moving the account into their own HSA
- HSA application, for a surviving spouse without a Further HSA, sent with the HSA Transfer Request form
- HSA Close Request form, for a non-spouse beneficiary or the estate
- HSA Withdrawal Request form, to reimburse the accountholder's unclaimed eligible expenses before closingSigned by the estate administrator.
Forms Further issues3
- HSA Close Request form
Completed by a non-spouse beneficiary or the estate. Available to download.1
- HSA Transfer Request form F7320R18
Completed by the surviving spouse. Available to download.2
- HSA Withdrawal Request form
Completed by the estate administrator. Available to download.3
What happens to each kind of account2
- Health savings account
Only a surviving spouse may move the money into an HSA. Further says a spouse without a qualifying health plan can still receive the funds, but cannot contribute or use the account for expenses incurred after the death.4
Eligible expenses incurred before the date of death by the accountholder, by the spouse if filing jointly, or by any of the accountholder's tax dependents can be reimbursed. Expenses incurred after the date of death are not reimbursable from the accountholder's HSA.4
- Investment account
Where the HSA holds a Charles Schwab Self-Directed Brokerage Investment Account, the individual securities are liquidated through Devenir first. Further cannot close the HSA until that is complete.1
Accounts handled elsewhere3
- HealthEquity Member Transition Services
Further accounts already moved to the HealthEquity platform4
Phone: 1-844-351-6856
Hours: 24 hours a day, 7 days a week
- HealthEquity HSA Member Services
Further accounts already moved to the HealthEquity platform4
Phone: 1-866-346-5800
Hours: 24 hours a day, 7 days a week
- Devenir
Liquidating the securities in a Charles Schwab Self-Directed Brokerage Investment Account held in the HSA1
Phone: 1-952-345-3261
What Further's agreement and guidance say1
- How proceeds are paid
Every beneficiary other than the spouse, and the estate, receives the remaining balance as an administrative check.4
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
- healthequity.com
- selectaccount-prod2.mindtouch.us
- learn.hellofurther.com
- hellofurther.com
- ir.healthequity.com
Data sourced from Further primary sources (13 pages reviewed). How we research.
Further death claims support
Member Services
Phone
HealthEquity Member Transition Services
HealthEquity HSA Member Services
Devenir (Charles Schwab self-directed HSA brokerage account)
Fax
Hours
Mailing address
Website
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