Default username will be:
Your first initial, followed by your last name and the last 4 digits of your social security number.
For example: Joe Wages SS# ends in 1234. His username would be “jwages1234“.
Default Password: “carpenters” (all lowercase)
You will be able to change your password after you log in.
Set account alerts and notifications via text message. You can even take a picture of a receipt and upload it right from your phone.
Login credentials will be the same as the web portal.
The Health Reimbursement Account (HRA) benefit will help cover your out-of-pocket medical / dental expenses. It is a tax-free reimbursement that can be used to cover any gaps in your health coverage, including premium and co-pay costs.
Popular HRA FAQs
How do I become eligible for a Health Reimbursement Account (HRA)?
You are eligible for an HRA if: (1) you satisfy the general Plan eligibility rules for health benefits for active employee contributions and (2) the wage and benefit package for your work has a “Cafeteria Benefit” contribution of $1.00 per hour or more or the Board allocates a portion of the Health & Welfare contribution for your work to an HRA.
An employee who is not a participant of these Plans will not be eligible for the HRA Benefit. Any payment will be distributed as a taxable Vacation payment.
What are Eligible Health Care Expenses?
The rules on eligible health care expenses generally follow the federal income tax rules in Section 213 of the Internal Revenue Code (IRC) for medical expense deductions (without the limitation to amounts over a percentage of adjusted gross income). IRS Publication 502 (Medical and Dental expenses) has a multi-page list of eligible and ineligible expenses. The current version of IRS Publication can be found on the IRS website, www.irs.gov.
Here are some general examples of items you can claim for your reimbursement under current IRS regulations:
- co-payments or costs for medical services legally rendered by physicians, surgeons, dentists, and other, medical practitioners not covered by other health insurance or plans;
- the costs of durable medical equipment (including wheel chairs) and diagnostic devices needed for medical care;
- premiums you pay for insurance that covers the expenses of medical care (with some exclusions noted in Publication 502), with post tax dollars, including Medicare Part B and Medicare Part D premiums;
- ambulance costs;
- prescription drugs, and co-payments, insulin and diabetic testing supplies;
- laboratory, X-rays, surgical, dental, therapy, and other healing and diagnostic services
- eye exams, glasses, contacts and laser surgery
- hearing tests and hearing aids
- dental exams, dental work and dentures
This is only a summary that is subject to ongoing IRS rules and changes in those rules. In addition, the HRA benefit has its own limitations and does not cover all expenses that are allowed by IRC Section 213. Click the following link for a list of HRA Eligible Expenses.
What are the HRA Excluded Expenses?
An expense that is not eligible for payment from an employer-funded “Health Reimbursement Account” under IRS Publication 502 and IRS Publication 969 and, more importantly, the actual IRS rules on deductible medical expenses will not be an eligible HRA expense from the Plan.
The HRA also excludes certain items that require additional documentation and analysis due to mixed use or tax issues; even though all or part of the expense might be a deductible medical expense for tax purposes. The HRA will NOT reimburse any costs for:
- Pre-tax employee payments or premiums for other group health plan coverage (such as a spouse’s plan).
- transportation or travel;
- construction, repair, alteration or renovation of residential or other premises; or
- legal fees.
To be reimbursed from the HRA, medical care expenses must be primarily to alleviate or prevent a physical or mental defect or illness. They do not include expenses that would be normal living expenses or are merely beneficial to general health.
You cannot claim the following expenses under current IRS publications:
- claims for more than your actual cost;
- expenses which would be incurred or paid without regard to sickness, such as food or lodging outside of hospital care.
- expenses for your general health, such as a vacation or health club dues;
- capital expenses which improve the value of property or which are not made primarily for medical care;
- non-prescription medicines, nutritional supplements, vitamins, herbal supplements, “natural medicines,”
- household and personal care services, baby sitting, childcare, except certain nursing-type services;
- illegal operations and treatments, controlled substances under federal law (even if permitted by state law)
- prescription or other drugs brought in (or ordered and shipped) from another country,
- cosmetic surgery, weight-loss programs and similar items that do not meaningfully promote the proper function of the body or prevent or treat illness or disease;
- premiums for coverage under an ACA Marketplace Plan (for which you receive a tax subsidy) or;
- employee payments or premiums for other group health plan coverage (such as a spouse’s plan) that are paid with pre-tax dollars (namely, money that is not included in W-2 wages).
How do I claim benefits from my Health Reimbursement Account?
You can claim reimbursement from the HRA after a credit is made to an HRA for you. Once a credit is made to your account, you can submit claims for eligible health care expenses to the Fund office using the HRA claim form.
You can submit claims as you pay eligible expenses. The Plan will collect claims and reimburse you on a quarterly basis after you submit expenses of at least $100.00, up to the balance in your HRA. Expenses below $100 for a calendar year will only be reimbursed annually. All claims for a calendar year must be submitted to Plan within one year after the date of service.
The HRA and HRA benefits are not assignable. For expenses under $500.00, the Plan will not pay a health care provider or anyone other than an eligible living Participant, Spouse or Child. For expenses over $500.00, you can submit the bill to the Fund Office for payment directly to a provider as long as your account has sufficient funds to cover the expense.
If you die, your surviving Spouse will be eligible to submit claims and your personal representative can submit claims for your eligible expenses incurred before your death. If you and your Spouse have died, any remaining HRA balance may be used by your eligible Children who may then submit claims for themselves until they no longer are eligible Children due to age.
A claim for HRA expense reimbursement must be made on a Plan claim form and include the documentation required to support a deduction of the expense as a medical expense deduction under IRC Section 213 (disregarding the limitation based on adjusted gross income in that section) and such other information as deemed necessary by the Plan. The current regulations under IRC Section 213 require that you substantiate medical expenses with written documentation showing:
- the name and address of each person to whom payment was made.
- the date and amount of each payment, and
- a statement or itemized invoice from the individual or entity to whom payment was made showing the medical nature of the expense.
The Plan will need bills and evidence of payment to support your claim and show that it was not compensated by insurance or other means. It can require additional information beyond the claim form to assure that your claim is eligible for reimbursement. A claim can be denied for failure to submit supporting documentation on a timely basis.
Do I still need to estimate for annual medical / dental expenses?
No. You no longer need to estimate your annual medical / dental expenses. If your hourly Cafeteria employer contribution is a $1.00 or more, half will be automatically deposited into your HRA. You can then draw from that account by submitting an eligible receipt to the Fund to receive a quarterly payment, tax-free.