The HRA feature includes a contribution from BNY Mellon to help you pay for qualified health care expenses. BNY Mellon contributions are tax-free. You cannot save your own money in the Health Reimbursement Account; only BNY Mellon can put money in your account. If you don't use all of the money in your HRA, your account balance rolls over from one year to the next.

If you leave BNY Mellon for any reason before the age of 55, your HRA balance is forfeited, unless you continue Plan HRA medical coverage under COBRA. (Your HRA balance remains available if you are at or over the age of 55 when you leave BNY Mellon.) In addition, if you change to a health plan that does not have the HRA, your HRA becomes a Limited Purpose HRA, which can only be used to pay dental, vision, preventive prescription drugs and out-of-network preventive care expenses. If you terminate employment with BNY Mellon and do not continue Plan HRA medical coverage under COBRA, or if you change health plans, you may submit claims for expenses incurred through the end of the month in which you left.

The HRA will be administered by Aon Hewitt and will be on the same debit card as your Health Care FSA (if you elect the Health Care FSA). When you elect to participate in Plan HRA, you can use Your Spending Account debit card to pay for qualified expenses at the point of purchase, or pay out-of-pocket and submit a claim for reimbursement. If you also have a Health Care FSA and you choose to pay from your account, your Health Care FSA will pay first.

Using the debit card saves you the inconvenience of paying for an expense out-of-pocket, filing a claim and waiting for reimbursement. Because all contributions to your HRA have been made on or before your first pay date following your plan effective date, you can begin using your card starting on your plan effective date.

It's easy to use an HRA:

If you are asked for documentation for an expense and have no receipt, the claim will be denied.

If you select Plan HRA and decide the following year to change to Plan HSA, your HRA (to the extent it has any balance remaining) will become a Limited Purpose HRA. This means that only dental, vision, preventive drug and out-of-network preventive care expenses will be eligible for reimbursement. Other qualified health care expenses can only be submitted for reimbursement after you meet the Plan HSA deductible. Additionally, you will no longer be able to use your Plan HRA debit card; instead, you will have to submit receipts for reimbursement.

If you become disabled and are receiving either Short-Term or Long-Term Disability benefits, you will continue to receive BNY Mellon's annual contribution to your HRA and amounts in your account will remain available for reimbursement of qualified health care expenses.

In the event of death, amounts remaining in the HRA are available for reimbursement of qualified health care expenses incurred through the date of death; any remaining amounts are forfeited. Reimbursement requests for 2016 qualified health care expenses must be submitted by the deadline of June 30, 2017.