Does this care fit the HSA rule?

Seven questions, about two minutes. You get a point-by-point answer and a list of what the paperwork needs, to take to the person’s own doctor.

How this works, and what it cannot do

It runs on this device. Nothing you choose is sent or saved. There is no account and no AI.
It sorts, it does not decide. A licensed practitioner decides whether to certify. Your HSA plan decides what it pays. It never says a letter or an expense is covered.
It is general information, not tax or legal advice. Letters from HSA Letter are not open yet.

1. Who is the care for? Me My spouse A parent or another person

2. Which of these do they need substantial help with?

Hands-on help, or someone standing by to keep them safe. These are the six activities of daily living in the law. Tick all that apply.

None of these

3. Have they needed that help for at least 90 days? Yes No, or no help is needed Not sure

4. Do they need substantial supervision to stay safe because of severe cognitive impairment?

For example, dementia that means someone has to watch over them so they do not wander or come to harm.

Yes No Not sure

5. In the last 12 months, has a licensed practitioner certified that they are chronically ill?

A physician, registered nurse or licensed social worker, in writing.

Yes No Not sure

6. Is the care given under a plan of care that practitioner prescribed? Yes No Not sure

7. Who gives the paid care? A caregiver or agency that is not family A spouse or relative A relative who holds a license for that care (for example, a nurse or aide) and works within it A company or partnership owned by the family