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Prepare the letter of instruction HealthEquity requests during estate or death-claim processing — addressed to its verified claims department with the required enclosures. PDF.
Step 1 of 3
The HealthEquity account holder who passed away.
The decedent’s Social Security Number or HealthEquity ID. Do not enter a debit card number.
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Send it to HealthEquity's estate/claims department: HealthEquity, Attn: Member Services, PO Box 14374, Lexington, KY 40512. You can reach the department at 1-866-346-5800.
HealthEquity lists these among its required documents: Certified death certificate; Completed HSA Instructions Upon Death Form; Proof of identity for the beneficiary (government-issued photo ID); HSA Transfer Request Form (if spouse beneficiary transferring to own HSA). The prepared letter includes an enclosure checklist drawn from HealthEquity's recorded requirements.
Two business days for initial review after document verification; distribution timeline varies based on beneficiary type and chosen method
HealthEquity provides its own letter-of-instruction form. We complete that official form with your information; you print, sign, and send it.
It depends on the capacity you are acting in. An executor or administrator encloses Letters Testamentary (when there is a will) or Letters of Administration (when there is not); a successor trustee encloses a certificate of trust; a successor under a small estate encloses that state’s small estate affidavit. The prepared letter lists the proof-of-authority document for your role alongside the institution’s required documents.
A letter of instruction is the written request an institution asks for when settling a deceased customer’s account. It identifies the decedent and the account, states the capacity you are acting in, and tells the institution what to do with the account.
