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What is the suggested approach to load carryover balance from previous plan term to current planterm

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Dear Experts,

We are planning to load carryover balance from previous plan term to the current plan term. We need to understand what is the suggested or recommended approach to load the carryover balance to current plan term. Shall we use AccrualType as "COVR" in our HDL template and then load or to use AccrualType "INIT"/"ADJOTH" in our HDL template to load, only issue I can see is that if we load the carryover balance as "INIT"/"ADJOTH" then carryover expiry setup won't work means the carryover balance loaded with "INIT"/"ADJOTH" won't be expiring within certain month if there are setups done. Guess,

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