Personal Care Account

EIGHTH DISTRICT ELECTRICAL BENEFIT FUND PERSONAL CARE ACCOUNT (PCA)

Important Update!

If you are still accessing your PCA card through the mybenny.com website, please begin using the new consumer portal located at https://comphra.lh1ondemand.com/Login.aspx or follow the Consumer Portal link provided below. The mybenny website will be discontinued as of March 1, 2017 and will no longer be available.

If you are setting up your consumer portal access for the first time, your username is the first letter of your first name, your last name and the last four digits of your Social Security Number. For example: John Smith 123-45-6789 = jsmith6789. Your initial password is Compusys. You will be prompted to change the password to something of your choosing along with five security questions. Those questions will allow you to reset your password should you forget what you have set it to.

The New Consumer Portal

The new PCA Consumer Portal will allow you to:

  • File a claim online
  • Upload receipts and track expenses
  • View up-to-the-minute account balances
  • View your account activity, claims history and payment (reimbursement) history
  • Report a lost/stolen Card and request a new one
  • Update your personal profile information
  • Change your password
  • Download plan information, forms and notifications

A more detailed list of features and quickstart guide to the Consumer Portal can be found here.

New! HRA Benefits App

CompuSys of Utah, Inc’s HRA Benefits app enables you to easily and securely access your healthcare spending accounts. You can view account balances and detail, submit healthcare account claims, and capture and upload pictures of your receipts anytime, anywhere on any iPhone, Android or tablet device. You can also sign up to receive account alerts via text message. Your username and password will be the same as the consumer portal. You can also set up a four digit pin for ease of access on your mobile device.

You can find the HRA Benefits App on the Google Play Store here and on the Apple App Store here as well as a quickstart guide for the HRA App here.

The PCA Program

The 8th District Electrical Benefit Fund Personal Care Account (PCA) program is designed to permit an Active Employee to obtain reimbursement of Medical Care Expenses on a nontaxable basis from the Personal Care Account (PCA). PCA accounts can also be used to make retiree and cobra self-payments when you lose eligibility or retire.

Individual Personal Care Accounts are available to you IF your local union has negotiated a contribution for those benefits. Not all 8th District locals will be participating in this program. Please contact the administrative office if you are unsure if your local union is participating.

Your Personal Care Account

  • When you work for an 8th District contributing local, a PCA contribution will be made on your behalf and credited to your PCA. If you are working under a Reciprocal Agreement, when the required contributions exceed the Minimum Contribution levels required by this Plan, the overage will establish a PCA for such individual.
  • You will become an eligible PCA participant when your account balance is at least $50. A card will automatically be generated and sent to you once this threshold is met.
  • You determine how and when to use your PCA. You can choose to use it to pay for PCA-qualified expenses or other qualified services not covered by 8th District, or for COBRA or retiree coverage.
  • The amount in your PCA rolls over from year to year and will remain available to you until you need it, subject to the forfeiture rule described below.
  • Your PCA can only be forfeited due to inactivity. An account will be considered inactive if there is no account activity for twelve (12) consecutive months. Starting with the 13th month of no activity, a $25 administrative fee is assessed to the account on a month by month basis. Once activity begins again, the 12 months starts over. "No account activity" means no employer contributions into the account and no withdrawals out of the account for qualified PCA expenses.
  • The PCA is not a benefit for any Medicare-eligible or non-Medicare-eligible Retirees; however, if you had the PCA benefit as an active employee and then you retired, you may use the balance of your PCA for payment of your self-pay premiums or other qualified expenses.

PCA Qualified Expenses

Qualified expenses are costs incurred for medical care as defined under Section 213 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 such as implants or orthodontics
  • Infertility treatment
  • Vision expenses
  • Hearing care expenses
  • Cobra and retiree self-payments to 8th District only
  • Smoking cessation products and programs as prescribed by a physician and purchased through the pharmacy
  • OTC drugs (doctor's prescription required and purchased through the pharmacy)
  • Weight loss programs (As long as there is an underlying medical condition. A letter of medical necessity is required.)

Your PCA can NOT be used for the following:

  • Health care premiums for any other plan
  • Long-term care services
  • Cosmetic surgery
  • Cosmetic dental services
  • Expense of a nurse to care for a healthy newborn at home
  • Electrolysis
  • Funeral and Burial expenses
  • Household and domestic help
  • Massage Therapy
  • Home or automobile improvements
  • Transportation expenses of any sort, including expenses to receive medical care
  • Vitamins and food supplements, even if prescribed by a physician
  • Marijuana and other controlled substances that are in violation of federal laws, even if prescribed by a physician
  • Health club memberships
  • Any item that does not constitute “medical care” as defined under Code 213

For a complete list of qualified PCA 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 8th District Health and Welfare, 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. You will receive a letter requesting specific documentation. Documentation must be in the form of a detailed statement from your provider showing the patients name, the date of service and any credits/adjustments from your insurance provider. An Explanation of Benefits (EOB) is also acceptable documentation.

How to Use Your PCA

Benny Card

Prepaid Benefits Card ("Benny™ Card") - CompuSys will provide you with two prepaid debit cards, called "Benny Cards," that can be used to access your PCA funds. You can use the card to make your PCA qualified purchases at many participating healthcare providers, eyeglass stores, etc. Your expenses will be automatically deducted from your Benny Card. You can also use the PCA card to purchase medical products through the FSAStore website(www.fsastore.com). Certain items will require a prescription from a physician.

You can only use your Benny Card to cover expenses not covered by 8th District or another healthcare plan. If you are covered under the 8th District plan or any other healthcare plan, you should wait until you receive your Explanation of Benefits (EOB) before using your Benny Card.

Please call CompuSys at 1-800-628-6562 if you have any questions about how to use your Benny Card, your account balance, eligible expenses, to file claims or if you need to request additional or replacement cards. The cost is $10 for two cards.

Self-Payments to Eighth District - You can also use your PCA to make self-payments for retiree coverage, or to pay COBRA premiums to Eighth District only.

Claim Forms are available through the Personal Care Account link at the bottom of this page or by calling CompuSys.

Medical and Pharmacy Out-of-Pocket Amounts - If you receive a balance due statement from a doctor or hospital and want to use your PCA 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 8th District benefits, you must wait until they have processed the claim before you can pay the unpaid balance from your PCA. (The same applies if you have any other healthcare coverage in addition to or instead of 8th District.) You can also file claims directly with CompuSys. Claim forms are available by following the links on the 8th District website.

More Information About the Personal Care Account Program

Tracking Your Account Balance - You can track your account activity online securely through a link to the PCA program on the Consumer Portal. To set up your access, you will first need to verify your identity by clicking on the “register here” link. Your Member ID is your Social Security Number. You will also need the full 16 digits of the “benny card” and the zip code of where the card was delivered to. If your address has changed, you will need to contact the administrative office to have your address of record updated. Once your identity has been verified, you will then be able to set up a username and password. If you forget your login information, click the “register here” link as if it were your first time and go through the prompts to re-register your card.

In the Event of Your Death or Disability - Death or disability benefits cannot be paid from your PCA. However, in the event of your death, the balance in your account can only be used by your surviving spouse for qualified expenses, including healthcare premiums and self-payments to 8th District.

HRA Accounts Are Not Vested - Although one of the purposes of the Personal Care Account program is to help participants defray the cost of medical coverage, 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 PCA Accounts remain general assets of the 8th District Electrical Benefit Fund. The Trustees reserve the right to eliminate or modify this program at any time and in their sole discretion.

Important Links:

IRS Publication 502: Medical and Dental Expenses

Personal Care Account Claim Form

comphra.lh1ondemand.com

www.fsastore.com