Health Reimbursement Account (HRA) Plan

The HRA Plan can help you pay for certain medically-related expenses that may not be covered under other medical plans. Each participant has a separate account that consists of contributions made by your employer. You are not allowed to contribute to the Plan.

Plan Overview

This information provides the highlights of the HRA Plan. Complete details are available in the Summary Plan Description.

You are eligible as soon as your employer contributes. If you work for a participating employer, you are eligible as soon as an employer has made contributions to the Plan on your behalf. These contributions begin as of the date specified in your collective bargaining agreement, or your first day of work in covered employment.

Employers are obligated to contribute to the Plan on behalf of each eligible member. The limit of contributions made on your behalf depends on your collective bargaining agreement. If your account balance, which is typically $5,000, equals or exceeds that limit on any determination date, you will not receive additional employer contributions to your account until you are paid benefits that are sufficient to reduce your balance below that maximum limit.

All contributions are held in the Health Reimbursement Fund of the Electrical Industry, a tax-exempt trust created for the purpose of providing benefits to covered participants. Once employer contributions begin, the Plan Administrator establishes an account in your name, consisting of employer contributions on your behalf and a pro rata share of the Fund’s investment earnings.

Some reimbursable Medical Care Expenses under the Plan include:

  • Co-pays, coinsurance and deductibles, as well as premiums paid for COBRA, Medicare Part B and long-term care
  • Expenses that exceed medical, hospital, dental or vision plan limits
  • Chiropractic visits that exceed medical plan limits
  • Certain over-the-counter medications or products
  • Eye exams, glasses and contact lenses
  • Hearing aids
  • Laser eye surgery
  • Physical exams
  • Prescription drugs
  • Psychotherapy
  • Speech therapy
  • Wheelchairs

Medical Care Expenses also include certain non-prescription drugs that are used to treat a specific condition. For a list of these drugs, as well as more reimbursable medical expenses, see the Summary Plan Description.

The following is a partial list of expenses that are not considered Medical Care Expenses and are non-reimbursable:

  • Cosmetic services
  • Expenses you claim on your income tax return
  • Fees for exercise, health clubs and weight loss programs unless medically necessary
  • Hair transplants
  • Illegal treatments, operations or drugs

The Trustees of the Health Reimbursement Account Plan of the Electrical Industry (“HRA Plan’) have modified the ways in which you will be able to receive benefits. The effective date of these changes will be November 1st, 2019. Please read below for details.

All eligible participants, including retirees, will be able to utilize a debit card to make allowable payments under the Plan’s provisions. Examples include: co-payments at the doctor’s office, pharmacy and other facilities that accept debit cards. In addition, participants will have the ability to submit claims either electronically or in paper format to the third party provider, ConnectYourCare (“CYC”), for reimbursement of benefits in lieu of using the debit card.

Important HRA Plan Transition Details

The HRA Plan is transitioning to a new and enhanced system administered by CYC. Below are important matters regarding the transition.

Convenient Payment Card and Required Documentation - The payment card is a VISA debit card and allows you to easily access your HRA Plan funds. At many retailers, your eligible health care expenses will be verified at the time of purchase reducing the need to submit receipts. Though the need to submit receipts will be minimized with CYC, claims still must be reviewed to ensure they comply with IRS regulations, and receipts will be required in some instances. Be sure to keep your itemized receipts in case they are required to confirm a purchase or for tax purposes.

The debit card will be mailed by CYC during the week of October 21st and must be activated prior to use.

HRA Balances - You will have online and phone access to account balances, claims and account information.

Claim Blackout Period and Process - There will be a blackout period from October 11th to November 1st, 2019. All claims not processed by the HRA department by October 11th will be forwarded to CYC for payment and the HRA department will no longer be accepting claims.

Beginning November 1st, 2019, you will begin submitting all claims to CYC. You can start utilizing your debit card, submit your claims online or use the mobile app. In addition, you can submit paper claims to CYC. Claims can be submitted to the CYC website at JIB.retirepru.com, or mailed to: CYC Claims Department, P.O. Box 622337, Orlando, FL 32862.

Finally, you can receive reimbursement of approved claims by check or through direct deposit. Direct deposit for claims reimbursement is available and you will have to re-enroll your information with CYC starting November 1st.

Questions - For questions about the Plan’s transition to CYC, contact the Health Reimbursement Account Department at (718) 969-4040. Starting November 1st, 2019 contact CYC at (844) 286- 8472 with any questions regarding your account. CYC is available 24 hours a day, 7 days a week.

Plan Information

Plan Name: HRA Plan of the Electrical Industry

Plan Identification Number: 56-2489386

Plan Number: 513

Plan Year: January 1 through December 31

Type of Plan: This Plan is an employee welfare benefit plan and a health reimbursement arrangement as described in IRS Notice 2002-65. Your benefits are based upon the amount of money in your account, which consists of contributions made by your employer.

Plan Administrator: Joint Industry Board of the Electrical Industry

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Frequently Asked Questions

What happens to the employer contributions if my HRA account balance is at the maximum?

If your account equals or exceeds the maximum amount, you will not receive any further employer contributions to the HRA until you are paid benefits that are sufficient to reduce your balance below the maximum. However, you will continue to earn interest based on your account balance. Your collective bargaining agreement will state whether the excess contributions, which otherwise would have been made to the HRA and credited to your account, will be deposited in the Deferred Salary Plan or the Annuity Plan.

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