Health Reimbursement Account (HRA) Plan

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.

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