Healthcare Reimbursement 

The new HRA, a separate trust fund established as part of the Steamfitters' Industry Welfare Fund, will reimburse you for all medical care and associated expenses not covered by insurance on a tax-free basis. Each participant will have an individual account balance, similar in concept to the Security Benefit Fund. This account is not subject to reciprocity.

Rate To Individual Accounts:
Effective July 1, 2005 - $1 .OO per hour for journeyman regular time, doubled for overtime [apprentices subject to regular percentage factors]

Maximum Account Balance:
The balance in your account cannot exceed $5,000. Any balance in
excess of this amount wiil be transferred on a quarterly basis to your Supplemental Retirement Fund (401 a Plan) account.

Benefits Allowed:

• Medical & Hospital
• Dental
• Prescription Drugs including over-the-counter medicine
• Vision Care
• Hearing Aid
• Medicare premiums
• COBRA premiums
• Long Term Care insurance
• Other Healthcare insurance
• Assisted Living Medical Costs
• Final Medical Care Expense

Any medical care expenses incurred after January 1, 2005 can be reimbursed after July 1, 2005 on this tax-free basis. Reimbursement must be applied for within one year from the date of service or purchase. These benefits are available for you and your spouse and children only (step-children and adopted children included); other dependents are not eligible.

Over-the-counter medicine include allergy medicine, antihistamines, analgesics, antacids, aspirin, cold medicine, cough drops, first aid creams, nasal sinus spray, nicotine gum and patches, pain relievers, pedialyte, reading glasses, sinus medications and throat lozenges. Itemized receipts for over-the-counter medicines must be legible and include name and location
of where purchased and all other pertinent information identifying the medicine including date, price and product name. Over-the-counter items not covered include, but are not limited to, vitamins, dieting supplements or cosmetic products.

Upon the participant's death, the plan will pay to the surviving spouse, or, if the spouse is not Living, to one or more of the participant's estate, children, grandchildren, parents, brothers or sisters as the Trustees shall determine, the lesser of $5,000 or the participant's account balance as a Final Medical Care Expense and shall be in lieu of any medical care expenses incurred by the participant, but not submitted as of the time of the participant's death.