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Consumer HSA Verification Documentation

The Federal Government requires auditing on HSA accounts to ensure that they are fully eligible. EMPOWER uses a third party provider to satisfy these requirements and validate the information provided is correct and belongs to the Consumer. In some cases, this third party provider will require the consumer to provide supporting documentation.

Types of Information That May Require Verification

To validate a new HSA, the following information must exist in the EMPOWER system. In some instances, this information must also be confirmed by Consumer-provided documentation.

  • Address
  • Name
  • Date of Birth
  • Social Security Number
  • Non-Resident Alien

Verification Process

When additional information is needed, EMPOWER will send the Employer an email stating what information needs to be verified with supporting documentation. It is the Employer’s responsibility to inform the Participant Consumer to submit the information. The Participant Consumer will then need to provide supporting documentation via the Consumer Portal.

To upload the documents to the Consumer Portal, please:

  1. Log into the Consumer Portal
  2. On the main page, scroll to the Tasks section
    1. Click on Upload Documents to upload the documents required in the below matrix:


Information Required Documentation to Upload
Address Submit one of the following that exactly matches the residential address on file (cannot be a PO box):

  • Driver’s License
  • State Identification
  • Current Phone Bill
  • Current Utility Bill
  • Lease Agreement
  • Homeowner’s or Renter’s Insurance
  • Mortgage or Bank Loan
  • Change of Address
  • Home Title
Date of Birth Submit one of the following that confirms the date of birth on file:

  • Driver’s License
  • State Identification
  • Passport
  • Birth Certificate
Social Security Number Submit one of the following that confirms the Social Security Number on file:

  • Social Security Card
Name Submit one of the following that confirms the exact name on file:

  • Social Security Card
  • Passport
  • Birth Certificate
  • Driver’s License
  • Marriage Certificate
  • Divorce Decree
  • Legal Name Change Certificate
  • State Identification
  • Military Identification
Non-Resident Alien Submit both of the following: exact name on file:

  • ITIN Card
  • Passport
  • U.S. Visa

Non Verified Accounts

Consumers have 60 days from the account creation date to submit proper documentation. If this is not completed within 60 days, EMPOWER will close the HSA accounts and return the funds via ACH to the Employer. It is the responsibility of the Employer to return the funds to the Account Holder and adjust the W2.

EMPOWER will send an email with instructions to the Employer when the account is closed.

Consumers will be required to re-enroll in the HSA if they wish to participate in the the HSA after account closure.