I just worked through the program. The list of reasons your daughter "is ineligible to use Dependent Care Account funds" starts off with being 13. The program is not saying that is THE reason, it is saying it is a possible reason. You can't have Dependent Care Benefits on your W-2 and not have a child on Form 2441. If there is no child, the DCBs are taxable. She doesn't qualify because you are using the MFS status.
