• HOW TO REGISTAR TO VOTE IN MONTANA, CLICK HERE:

    Download VOTER registration form HERE:

    Click here to visit the Montana Legislature website now!

    My Voter page, Are you registered to vote and Where? Click Here:

    Not sure if you are registered to vote? Click the "I voted logo" to check your voter page:

    November 17, 2018
    Member Login
    Username:

    Password:


    Not registered yet?
    Click Here to sign-up

    Forgot Your Login?
    Follow Us!

    Google
  • HEALTH REIMBURSEMENT ACCOUNT (HRA)
    Posted On: Oct 22, 2018
    HEALTH REIMBURSEMENT ACCOUNT (HRA)

    Individual LINECO HRA accounts are funded by separate employer contributions. Not all employers are participating in this program.
    The Health Reimbursement Account (HRA) program is a flexible spending plan that covers a wide range of healthcare expenses not payable by LINECO. HRA accounts can also be used to make short-hour and retiree self-payments for continued LINECO coverage.
    Your HRA Account
    • Contributions can only be made by an employer on your behalf ... not all employers participate in the HRA.
    • Eligibility begins when you have acquired at least $100 in contributions.
    • You determine how and when to use your HRA.
    • The amount in your HRA account rolls over from year to year and will remain available to you until you need it, subject to the forfeiture rule described below.
    • Your HRA account can only be forfeited due to inactivity. An account will be considered inactive if it has a balance of less than $100 and no account activity for the prior two years (24 months). "No account activity" means no employer contributions into the
    account and no withdrawals out of the account for qualified LINECO HRA expenses.
    • You may permanently opt out of the HRA plan (so you can seek subsidized coverage through a health insurance exchange). See Opting Out of the HRA Program on page 55 (hspd0680.html for more information). 
    HRA Qualified Expenses
    Qualified expenses are costs incurred for medical care as defined under Section 213(d) of the Internal Revenue Code. Qualified expenses include, but are not limited to:
    • Medical expenses, including deductibles and coinsurance
    • Prescription drug co-pays
    • Dental services, including deductibles, coinsurance, and non-covered services
    • Home modifications and equipment to accommodate a disabled person
    • Infertility treatment
    • Vision expenses
    • Hearing care expenses
    • Active and retiree self-payments to LINECO
    • Medicare Part B or Part D premiums
    • Medigap policies
    • Smoking cessation products and programs
    • Electronic body scans
    • OTC drugs (doctor's prescription required)
    • Weight loss programs
    • Residential homes for care of an intellectually or developmentally disabled dependent
    Your HRA account can NOTbe used for the following:
    • Cosmetic surgery
    • Electrolysis
    • Burial expenses
    • Household help
    • Food/dietary supplements
    • Premiums for health insurance on the state or marketplace exchanges
    • Premiums for life insurance or loss of income insurance
    • Air purifiers or humidifiers
    • Health club memberships
    • Child or elder care
    For a complete list of qualified HRA expenses, refer to IRS Publication 502 for the tax year in question. In addition, medical expenses are only covered under this program if the expenses are: (1) not reimbursable by LINECO, another health plan, or any other party; (2) incurred for you or a dependent (a person you can claim as a dependent under Federal income tax rules); and (3) not claimed as deductions on your or a dependent's Federal income tax return.
    Some purchases will require documentation to substantiate that the expense is covered under this program. CompuSys will contact participants directly if additional documentation is required. 
    How to Use Your HRA
    Prepaid Benefits Card ("Benny™ Card")- CompuSys will provide you with two prepaid debit cards, called "Benny Cards," that can be used to access your LINECO HRA funds. You can use the card to make your HRA qualified purchases at many participating healthcare
    providers, discount stores, eyeglass stores, etc. Your expenses will be automatically deducted from your LINECO HRA.
    You can only use your Benny Card to cover expenses not covered by LINECO or another healthcare plan. If you are covered under the regular LINECO plan, you should wait until you receive your Explanation of Benefits (EOB) from LINECO before using your Benny Card.
    You can request additional or replacement Benny Cards by calling CompuSys. The cost is $10 for two cards.
    Call CompuSys at 1-877-282-8665 if you have any questions about how to use your Benny Card, your account balance, eligible expenses, or how to file claims.
    Self-Payments to LINECO -You can also use your HRA account to make short- hours, retiree, or COBRA self-payments to LINECO. Contact LINECO for information on authorizing these types of payment(s) from your HRA account.
    Medical and Pharmacy Out-of-Pocket Amounts- If you receive a balance due statement from a doctor or hospital and want to use your HRA account to pay for it, you can write your Benny Card account number on the statement just like you would if you were paying with a credit or debit card. If the service is incurred while you are eligible for regular LINECO ,benefits, you must wait until LINE CO has processed the claim before you can pay the unpaid balance from your HRA account. (The same applies if you have any other healthcare coverage in addition to or instead of LINECO.) You can also file claims directly with CompuSys. Claim forms are available by following the links on the LINECO website.
    Claim forms are available through the HRA link at www.lineco.org or by calling CompuSys at 1-877-282-8665.
    Additional HRA Program Information
    Tracking Your Account Balance -You can track your account activity online securely through a link to the HRA program at www.lineco.org.
    Your Share of the Investment Yield- Each calendar year the Fund will determine the aggregate investment yield on the total amount in all LINECO HRA accounts, net of administrative costs, and will credit a proportional amount to your account no later than March 31 of the subsequent year.
    In the Event of Your Death or Disability- Death or disability benefits cannot be paid from your HRA. However, in the event of your death, the balance in your account can be used by your surviving spouse or eligible dependents for qualified expenses, including healthcare premiums and LINECO self-payments (subject to LINECO's eligibility rules). If you have a surviving spouse, your spouse will determine on whose behalf the account will be used. If you do not have a surviving spouse, then your HRA account will be divided equally among, your children who are alive at the time of your death, and who satisfy the definition of a dependent child on page 87 (hspd0830.htm#dependent).
    HRA Accounts Are Not Vested -Although one of the purposes of the Health Reimbursement Account program is to help participants defray the cost of medical coverage after retirement, this is not a pension plan or bank account. You are not vested in the balance. Because this is a health and welfare benefit, all amounts in individual HRA accounts remain general assets of the Line Construction Benefit Fund. The Trustees reserve the right to eliminate or modify this program at any time and at their sole discretion.
    Opting Out of the HRA Program- The Affordable Care Act allows Plan participants an opportunity to permanently opt out of the HRA plan (so they can seek subsidized coverage through a health insurance exchange). If you opt out, the balance in your account is
    forfeited and you waive the right to future reimbursements. You are allowed to opt out effective each january 1st. It is anticipated that opting out will be an extremely rare occurrence. Please send written correspondence indicating your intent to opt out of the
    HRA to the Fund Office.

  • IBEW 44

    Copyright © 2018.
    All Rights Reserved.

    Powered By UnionActive

    56202 hits since Aug 08, 2017


  • Top of Page image