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FA-59066 / Payroll withholding rules / Open access

HSA payroll contribution limit by coverage month: catch-up proration · case 01

Part-year participants aged 55 or older receive the full catch-up amount.

Verified by executionVariant 1 · 8 checks per implementationDownload source bundle ↓JSON ↗

ROOT CAUSE

The catch-up contribution is not prorated by covered months.

THE FAILURE

The catch-up contribution is not prorated by covered months.

Unsuccessful approach: The attempt denies catch-up entirely unless all twelve months are covered.

Case contract

Input {coverage: 12 monthly entries None|self|family, age, employer_ytd, employee_ytd, request}. If December is covered, every month is treated as having December's tier (last-month rule). Limit = sum of monthly limits (self 358.00, family 712.50). Age 55+ adds 1,000.00 * covered months // 12. Allowed payroll contribution = min(request, max(0, limit - employer_ytd - employee_ytd)). Return [limit, allowed].

Why this case matters

HSA payroll contributions must be stopped at a limit that depends on month-by-month coverage, the last-month rule and employer money.

1 / The failure

Exit 1
"""Failure Map reference implementation. Python standard library only."""
import json

N = 1
observations = []
def solve(x):
    cov = x['coverage']
    monthly = {'self': 35800, 'family': 71250}
    if cov[11] is not None:
        months = [cov[11]] * 12
    else:
        months = cov
    limit = sum(monthly[m] for m in months if m is not None)
    covered = sum(1 for m in months if m is not None)
    if x['age'] >= 55:
        limit += 100000
    room = max(0, limit - x['employer_ytd'] - x['employee_ytd'])
    allowed = min(x['request'], room)
    return [limit, allowed]
def check(label, actual, expected):
    observations.append({"check": label, "actual": actual, "expected": expected, "passed": actual == expected})
fixtures = [[('regression', {'coverage': [None, None, None, None, None, None, 'self', None, None, None, None, None], 'age': 55, 'employer_ytd': 115762, 'employee_ytd': 24574, 'request': 286981}, [44133, 0]), ('regression', {'coverage': ['self', 'self', 'self', None, 'family', 'self', None, None, 'self', None, 'family', None], 'age': 55, 'employer_ytd': 286268, 'employee_ytd': 434159, 'request': 197484}, [379833, 0]), ('partial-repair probe', {'coverage': [None, None, 'self', 'self', 'family', None, 'family', None, None, 'family', None, None], 'age': 56, 'employer_ytd': 180971, 'employee_ytd': 345821, 'request': 207004}, [327016, 0]), ('partial-repair probe', {'coverage': [None, None, None, None, None, None, None, None, None, None, 'self', None], 'age': 55, 'employer_ytd': 129076, 'employee_ytd': 256621, 'request': 34707}, [44133, 0]), ('normal control', {'coverage': ['self', 'self', 'family', 'family', 'family', None, 'self', 'family', None, None, 'family', None], 'age': 41, 'employer_ytd': 182987, 'employee_ytd': 284378, 'request': 281989}, [463650, 0]), ('normal control', {'coverage': [None, None, None, None, None, None, None, 'family', 'family', 'family', 'family', 'family'], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 238336, 'request': 135874}, [955000, 135874]), ('normal control', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self'], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 456065, 'request': 36894}, [529600, 36894]), ('normal control', {'coverage': [None, 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family'], 'age': 40, 'employer_ytd': 0, 'employee_ytd': 74724, 'request': 118780}, [855000, 118780])], [('regression', {'coverage': ['self', 'self', 'self', None, 'family', 'self', None, None, 'self', None, 'family', None], 'age': 55, 'employer_ytd': 286268, 'employee_ytd': 434159, 'request': 197484}, [379833, 0]), ('regression', {'coverage': [None, None, 'self', 'self', 'family', None, 'family', None, None, 'family', None, None], 'age': 56, 'employer_ytd': 180971, 'employee_ytd': 345821, 'request': 207004}, [327016, 0]), ('partial-repair probe', {'coverage': [None, None, None, None, None, None, None, None, None, None, 'self', None], 'age': 55, 'employer_ytd': 129076, 'employee_ytd': 256621, 'request': 34707}, [44133, 0]), ('partial-repair probe', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 227366, 'request': 100757}, [397200, 100757]), ('normal control', {'coverage': [None, 'self', 'family', 'self', 'self', None, 'family', None, 'self', 'family', 'family', None], 'age': 40, 'employer_ytd': 225872, 'employee_ytd': 144016, 'request': 380678}, [428200, 58312]), ('normal control', {'coverage': [None, None, None, None, None, None, None, 'family', 'family', None, None, None], 'age': 37, 'employer_ytd': 208148, 'employee_ytd': 1425, 'request': 155636}, [142500, 0]), ('normal control', {'coverage': ['self', None, 'self', 'family', 'family', None, None, None, None, 'family', None, 'self'], 'age': 48, 'employer_ytd': 141642, 'employee_ytd': 558877, 'request': 321776}, [429600, 0]), ('normal control', {'coverage': ['family', 'family', 'family', None, 'self', 'self', None, 'family', 'family', 'family', None, 'self'], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 380378, 'request': 301438}, [529600, 149222])], [('regression', {'coverage': [None, None, 'self', 'self', 'family', None, 'family', None, None, 'family', None, None], 'age': 56, 'employer_ytd': 180971, 'employee_ytd': 345821, 'request': 207004}, [327016, 0]), ('regression', {'coverage': [None, None, None, None, None, None, None, None, None, None, 'self', None], 'age': 55, 'employer_ytd': 129076, 'employee_ytd': 256621, 'request': 34707}, [44133, 0]), ('partial-repair probe', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 227366, 'request': 100757}, [397200, 100757]), ('partial-repair probe', {'coverage': ['family', 'self', 'self', 'self', None, 'self', None, 'self', 'self', 'family', 'self', None], 'age': 56, 'employer_ytd': 129254, 'employee_ytd': 314848, 'request': 257142}, [468100, 23998]), ('normal control', {'coverage': [None, 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family'], 'age': 40, 'employer_ytd': 0, 'employee_ytd': 164388, 'request': 96773}, [855000, 96773]), ('normal control', {'coverage': [None, None, None, None, None, None, None, 'family', 'family', 'family', 'family', 'family'], 'age': 56, 'employer_ytd': 0, 'employee_ytd': 506616, 'request': 122643}, [955000, 122643]), ('normal control', {'coverage': [None, 'family', None, None, None, None, 'family', None, 'self', 'self', None, 'family'], 'age': 36, 'employer_ytd': 0, 'employee_ytd': 317677, 'request': 360183}, [855000, 360183]), ('normal control', {'coverage': [None, 'family', None, None, 'family', 'self', 'family', 'self', None, 'self', None, None], 'age': 40, 'employer_ytd': 0, 'employee_ytd': 423473, 'request': 127772}, [321150, 0])], [('regression', {'coverage': [None, None, None, None, None, None, None, None, None, None, 'self', None], 'age': 55, 'employer_ytd': 129076, 'employee_ytd': 256621, 'request': 34707}, [44133, 0]), ('regression', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 227366, 'request': 100757}, [397200, 100757]), ('partial-repair probe', {'coverage': [None, None, None, 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 187011, 'request': 370324}, [636666, 370324]), ('partial-repair probe', {'coverage': [None, None, None, 'family', 'family', None, None, None, None, None, None, None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 374275, 'request': 45667}, [159166, 0]), ('normal control', {'coverage': [None, None, None, None, None, None, None, None, None, None, None, 'family'], 'age': 56, 'employer_ytd': 72944, 'employee_ytd': 287033, 'request': 147965}, [955000, 147965]), ('normal control', {'coverage': ['self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self'], 'age': 54, 'employer_ytd': 0, 'employee_ytd': 551908, 'request': 166115}, [429600, 0]), ('normal control', {'coverage': ['self', 'family', None, None, 'family', 'family', 'family', 'family', None, None, 'self', 'family'], 'age': 56, 'employer_ytd': 0, 'employee_ytd': 12981, 'request': 364571}, [955000, 364571]), ('normal control', {'coverage': [None, None, None, None, None, None, 'family', 'family', 'family', 'family', 'family', 'family'], 'age': 55, 'employer_ytd': 102233, 'employee_ytd': 513881, 'request': 171346}, [955000, 171346])], [('regression', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 227366, 'request': 100757}, [397200, 100757]), ('regression', {'coverage': ['family', 'self', 'self', 'self', None, 'self', None, 'self', 'self', 'family', 'self', None], 'age': 56, 'employer_ytd': 129254, 'employee_ytd': 314848, 'request': 257142}, [468100, 23998]), ('partial-repair probe', {'coverage': [None, None, 'self', 'self', 'self', 'self', None, None, None, None, None, None], 'age': 69, 'employer_ytd': 0, 'employee_ytd': 286196, 'request': 258790}, [176533, 0]), ('partial-repair probe', {'coverage': [None, None, None, 'family', 'family', None, None, None, None, None, None, None], 'age': 55, 'employer_ytd': 26008, 'employee_ytd': 286427, 'request': 122717}, [159166, 0]), ('normal control', {'coverage': [None, None, None, None, None, None, None, None, 'family', 'family', 'family', 'family'], 'age': 30, 'employer_ytd': 0, 'employee_ytd': 594908, 'request': 135782}, [855000, 135782]), ('normal control', {'coverage': ['family', 'self', None, 'self', None, 'self', 'family', 'family', 'self', 'family', None, 'family'], 'age': 65, 'employer_ytd': 119262, 'employee_ytd': 404161, 'request': 137517}, [955000, 137517]), ('normal control', {'coverage': [None, None, None, None, None, None, None, None, None, 'self', 'self', None], 'age': 40, 'employer_ytd': 0, 'employee_ytd': 243944, 'request': 352402}, [71600, 0]), ('normal control', {'coverage': ['self', None, None, None, None, 'family', None, None, None, 'self', None, 'family'], 'age': 35, 'employer_ytd': 0, 'employee_ytd': 316436, 'request': 299379}, [855000, 299379])]]
for i, (label, args, expected) in enumerate(fixtures[N-1]):
    check("%s %d" % (label, i), solve(args), expected)
print(json.dumps({"observations": observations, "passed": all(x["passed"] for x in observations)}, ensure_ascii=False))
raise SystemExit(0 if all(x["passed"] for x in observations) else 1)
Boundary fixtureActualExpectedOutcome
regression 0[135800, 0][44133, 0]Failed
regression 1[421500, 0][379833, 0]Failed
partial-repair probe 2[385350, 0][327016, 0]Failed
partial-repair probe 3[135800, 0][44133, 0]Failed
normal control 4[463650, 0][463650, 0]Passed
normal control 5[955000, 135874][955000, 135874]Passed
normal control 6[529600, 36894][529600, 36894]Passed
normal control 7[855000, 118780][855000, 118780]Passed

SHA-256 / 48da1fb56da3685298d6a2d88b457ccd3a5c8203232a003d325fbb6b28618280

2 / The unsuccessful fix

Exit 1
"""Failure Map reference implementation. Python standard library only."""
import json

N = 1
observations = []
def solve(x):
    cov = x['coverage']
    monthly = {'self': 35800, 'family': 71250}
    if cov[11] is not None:
        months = [cov[11]] * 12
    else:
        months = cov
    limit = sum(monthly[m] for m in months if m is not None)
    covered = sum(1 for m in months if m is not None)
    if x['age'] >= 55:
        limit += 100000 * covered // 12 if covered == 12 else 0
    room = max(0, limit - x['employer_ytd'] - x['employee_ytd'])
    allowed = min(x['request'], room)
    return [limit, allowed]
def check(label, actual, expected):
    observations.append({"check": label, "actual": actual, "expected": expected, "passed": actual == expected})
fixtures = [[('regression', {'coverage': [None, None, None, None, None, None, 'self', None, None, None, None, None], 'age': 55, 'employer_ytd': 115762, 'employee_ytd': 24574, 'request': 286981}, [44133, 0]), ('regression', {'coverage': ['self', 'self', 'self', None, 'family', 'self', None, None, 'self', None, 'family', None], 'age': 55, 'employer_ytd': 286268, 'employee_ytd': 434159, 'request': 197484}, [379833, 0]), ('partial-repair probe', {'coverage': [None, None, 'self', 'self', 'family', None, 'family', None, None, 'family', None, None], 'age': 56, 'employer_ytd': 180971, 'employee_ytd': 345821, 'request': 207004}, [327016, 0]), ('partial-repair probe', {'coverage': [None, None, None, None, None, None, None, None, None, None, 'self', None], 'age': 55, 'employer_ytd': 129076, 'employee_ytd': 256621, 'request': 34707}, [44133, 0]), ('normal control', {'coverage': ['self', 'self', 'family', 'family', 'family', None, 'self', 'family', None, None, 'family', None], 'age': 41, 'employer_ytd': 182987, 'employee_ytd': 284378, 'request': 281989}, [463650, 0]), ('normal control', {'coverage': [None, None, None, None, None, None, None, 'family', 'family', 'family', 'family', 'family'], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 238336, 'request': 135874}, [955000, 135874]), ('normal control', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self'], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 456065, 'request': 36894}, [529600, 36894]), ('normal control', {'coverage': [None, 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family'], 'age': 40, 'employer_ytd': 0, 'employee_ytd': 74724, 'request': 118780}, [855000, 118780])], [('regression', {'coverage': ['self', 'self', 'self', None, 'family', 'self', None, None, 'self', None, 'family', None], 'age': 55, 'employer_ytd': 286268, 'employee_ytd': 434159, 'request': 197484}, [379833, 0]), ('regression', {'coverage': [None, None, 'self', 'self', 'family', None, 'family', None, None, 'family', None, None], 'age': 56, 'employer_ytd': 180971, 'employee_ytd': 345821, 'request': 207004}, [327016, 0]), ('partial-repair probe', {'coverage': [None, None, None, None, None, None, None, None, None, None, 'self', None], 'age': 55, 'employer_ytd': 129076, 'employee_ytd': 256621, 'request': 34707}, [44133, 0]), ('partial-repair probe', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 227366, 'request': 100757}, [397200, 100757]), ('normal control', {'coverage': [None, 'self', 'family', 'self', 'self', None, 'family', None, 'self', 'family', 'family', None], 'age': 40, 'employer_ytd': 225872, 'employee_ytd': 144016, 'request': 380678}, [428200, 58312]), ('normal control', {'coverage': [None, None, None, None, None, None, None, 'family', 'family', None, None, None], 'age': 37, 'employer_ytd': 208148, 'employee_ytd': 1425, 'request': 155636}, [142500, 0]), ('normal control', {'coverage': ['self', None, 'self', 'family', 'family', None, None, None, None, 'family', None, 'self'], 'age': 48, 'employer_ytd': 141642, 'employee_ytd': 558877, 'request': 321776}, [429600, 0]), ('normal control', {'coverage': ['family', 'family', 'family', None, 'self', 'self', None, 'family', 'family', 'family', None, 'self'], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 380378, 'request': 301438}, [529600, 149222])], [('regression', {'coverage': [None, None, 'self', 'self', 'family', None, 'family', None, None, 'family', None, None], 'age': 56, 'employer_ytd': 180971, 'employee_ytd': 345821, 'request': 207004}, [327016, 0]), ('regression', {'coverage': [None, None, None, None, None, None, None, None, None, None, 'self', None], 'age': 55, 'employer_ytd': 129076, 'employee_ytd': 256621, 'request': 34707}, [44133, 0]), ('partial-repair probe', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 227366, 'request': 100757}, [397200, 100757]), ('partial-repair probe', {'coverage': ['family', 'self', 'self', 'self', None, 'self', None, 'self', 'self', 'family', 'self', None], 'age': 56, 'employer_ytd': 129254, 'employee_ytd': 314848, 'request': 257142}, [468100, 23998]), ('normal control', {'coverage': [None, 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family'], 'age': 40, 'employer_ytd': 0, 'employee_ytd': 164388, 'request': 96773}, [855000, 96773]), ('normal control', {'coverage': [None, None, None, None, None, None, None, 'family', 'family', 'family', 'family', 'family'], 'age': 56, 'employer_ytd': 0, 'employee_ytd': 506616, 'request': 122643}, [955000, 122643]), ('normal control', {'coverage': [None, 'family', None, None, None, None, 'family', None, 'self', 'self', None, 'family'], 'age': 36, 'employer_ytd': 0, 'employee_ytd': 317677, 'request': 360183}, [855000, 360183]), ('normal control', {'coverage': [None, 'family', None, None, 'family', 'self', 'family', 'self', None, 'self', None, None], 'age': 40, 'employer_ytd': 0, 'employee_ytd': 423473, 'request': 127772}, [321150, 0])], [('regression', {'coverage': [None, None, None, None, None, None, None, None, None, None, 'self', None], 'age': 55, 'employer_ytd': 129076, 'employee_ytd': 256621, 'request': 34707}, [44133, 0]), ('regression', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 227366, 'request': 100757}, [397200, 100757]), ('partial-repair probe', {'coverage': [None, None, None, 'family', 'family', 'family', 'family', 'family', 'family', 'family', 'family', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 187011, 'request': 370324}, [636666, 370324]), ('partial-repair probe', {'coverage': [None, None, None, 'family', 'family', None, None, None, None, None, None, None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 374275, 'request': 45667}, [159166, 0]), ('normal control', {'coverage': [None, None, None, None, None, None, None, None, None, None, None, 'family'], 'age': 56, 'employer_ytd': 72944, 'employee_ytd': 287033, 'request': 147965}, [955000, 147965]), ('normal control', {'coverage': ['self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self'], 'age': 54, 'employer_ytd': 0, 'employee_ytd': 551908, 'request': 166115}, [429600, 0]), ('normal control', {'coverage': ['self', 'family', None, None, 'family', 'family', 'family', 'family', None, None, 'self', 'family'], 'age': 56, 'employer_ytd': 0, 'employee_ytd': 12981, 'request': 364571}, [955000, 364571]), ('normal control', {'coverage': [None, None, None, None, None, None, 'family', 'family', 'family', 'family', 'family', 'family'], 'age': 55, 'employer_ytd': 102233, 'employee_ytd': 513881, 'request': 171346}, [955000, 171346])], [('regression', {'coverage': [None, None, 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', 'self', None], 'age': 55, 'employer_ytd': 0, 'employee_ytd': 227366, 'request': 100757}, [397200, 100757]), ('regression', {'coverage': ['family', 'self', 'self', 'self', None, 'self', None, 'self', 'self', 'family', 'self', None], 'age': 56, 'employer_ytd': 129254, 'employee_ytd': 314848, 'request': 257142}, [468100, 23998]), ('partial-repair probe', {'coverage': [None, None, 'self', 'self', 'self', 'self', None, None, None, None, None, None], 'age': 69, 'employer_ytd': 0, 'employee_ytd': 286196, 'request': 258790}, [176533, 0]), ('partial-repair probe', {'coverage': [None, None, None, 'family', 'family', None, None, None, None, None, None, None], 'age': 55, 'employer_ytd': 26008, 'employee_ytd': 286427, 'request': 122717}, [159166, 0]), ('normal control', {'coverage': [None, None, None, None, None, None, None, None, 'family', 'family', 'family', 'family'], 'age': 30, 'employer_ytd': 0, 'employee_ytd': 594908, 'request': 135782}, [855000, 135782]), ('normal control', {'coverage': ['family', 'self', None, 'self', None, 'self', 'family', 'family', 'self', 'family', None, 'family'], 'age': 65, 'employer_ytd': 119262, 'employee_ytd': 404161, 'request': 137517}, [955000, 137517]), ('normal control', {'coverage': [None, None, None, None, None, None, None, None, None, 'self', 'self', None], 'age': 40, 'employer_ytd': 0, 'employee_ytd': 243944, 'request': 352402}, [71600, 0]), ('normal control', {'coverage': ['self', None, None, None, None, 'family', None, None, None, 'self', None, 'family'], 'age': 35, 'employer_ytd': 0, 'employee_ytd': 316436, 'request': 299379}, [855000, 299379])]]
for i, (label, args, expected) in enumerate(fixtures[N-1]):
    check("%s %d" % (label, i), solve(args), expected)
print(json.dumps({"observations": observations, "passed": all(x["passed"] for x in observations)}, ensure_ascii=False))
raise SystemExit(0 if all(x["passed"] for x in observations) else 1)
Boundary fixtureActualExpectedOutcome
regression 0[35800, 0][44133, 0]Failed
regression 1[321500, 0][379833, 0]Failed
partial-repair probe 2[285350, 0][327016, 0]Failed
partial-repair probe 3[35800, 0][44133, 0]Failed
normal control 4[463650, 0][463650, 0]Passed
normal control 5[955000, 135874][955000, 135874]Passed
normal control 6[529600, 36894][529600, 36894]Passed
normal control 7[855000, 118780][855000, 118780]Passed

SHA-256 / dc8fc99fd4c9b054b6ef953e06b8cfda3e5bf6fd0eee6b795084136ccc8e4e3f

HELD IN THE MEMBER ARCHIVE

The verified repair and its recorded checks are member-only.

This mechanism has 8 recorded checks per implementation. The open-access tier publishes the failure and the unsuccessful fix; the repaired source that passes every check, and the observations that prove it, are available to members.

Every case sharing this mechanism uses the same contract and the same repair, so this one record is held back for all of them.

Member access is invitation-based. Sign in with your invited account to inspect the repair.

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Verification & scope

A deterministic teaching model of a stipulated payroll rule with toy thresholds and rates. It makes no claim of conformance to any tax authority, statute or jurisdiction and is not payroll software. This reproducer isolates one failure mechanism. Results cover the supplied fixtures. Variants within a family share a test contract and should remain grouped when constructing evaluation splits. Related mechanisms with a shared evaluation_group must also remain together; these controlled models are not independent production incidents.

Observations recorded using Python 3.12.14 at 2026-09-29T14:46:32.750975+00:00.

Case digest / f78877a1c5a1f2e4857c8c9d93daebe0fa7a4a9cfa774ab5b135a6bcd7f385a7