What are the survivor benefits associated with my Health Savings Account?
You may arrange to have your health savings account transferred to your surviving spouse tax free by completing and returning the Beneficiary Designation Form which can be found on Aetna Navigator. If you designate a beneficiary other than your spouse, your spouse will need to consent by signing a permission form. Also, in the event of your death, the account would no longer be considered a health savings account and the fair market value of the account would become taxable to the beneficiary in the year in which you died. If you do not designate a beneficiary, your health savings account balance would become part of your estate in the event of your death.
