When is your DH retiring?At the end of spring semester in May.I assume he has a flexible medical spending account. Enrollment for many people is this month.Us too, takes effect in January.You could put away enough in the account for next year. The nice thing about the accounts is that you can claim the whole benefit in the first month. Then if you sever employment before the end of the year, you are not required to pay back the benefits that exceeded your contributions. Great suggestion, but I'm confused--how do you spend more from the account than is in it?January would be a good time for me to have this surgery as a bird-watching friend is planning to visit in Feb/March. It would be nice if I could see what she's excited about!
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