REASON: Typically and based on the plan document, a terminated employee can only incur expenses to the point of the term date or through the end of the month of active employment. Which is why the card is turned "off" on that date so further transactions are not paid outside the allowable incurred date.
The ex-employee does have a run out date to turn in claims from the term date though. But that is only for expenses incurred after the plan started and the term date.

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