My husband and I just realized that we both contributed to our employer's Dependent Care FSA for 2014. He put in the maximum allowed $5,000 and I put in $3,600 for a total of $8,600. Unfortunately, we realized this after our benefits deadline for for 2014. We are worried that we will lose the excess $3,600 contributed. I have read in older posts that we should claim all of the $8,600 thru FSA and add the $3,600 to our gross income W2 claims for 2014. This would avoid any penalty. Is this correct or will we lose the $3,600? Any advice is appreciated.