As part of your collectively bargained benefits package, a specified amount per hour is contributed for your health needs. Contributions apply first to your Dollar Bank to cover your medical plan, and then to your Health Reimbursement Arrangement (HRA) account.
Effective July 1, 2026, active participants in the Local 49 Health & Welfare Fund will need $1,652 per month contributed for insurance coverage. Once your Dollar Bank has enough money to provide you with six months of coverage ($9,912), the remainder goes to your HRA until you work 2,200 hours in a calendar year.
The money in your HRA account can be used to reimburse you for the money you pay out of pocket when reaching your deductible and paying coinsurance. The money can also be used for health care services that would not otherwise be covered by the Fund, including retiree premiums.
Assuming there are sufficient funds in your HRA account, the Health Fund will automatically reimburse the part of your claims (including those of your dependents) that otherwise would be billed to you as your deductible or coinsurance.
If you don’t want to be automatically reimbursed, you must complete the HRA opt-out form. After completing this form, you submit HRA claim forms and the appropriate documentation in order to be reimbursed.
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