Basic Rules

Dollar Bank (DB) and HRA Accounts

• When money in the form of employer contributions is first received on your behalf, it is credited to your Dollar Bank account which is used to provide life insurance, AD&D benefits and short-term disability benefits. (Although your DB account pays for these benefits, you are only entitled to these benefits when you are also eligible for medical/Rx benefits.)
• When your dollar bank reaches $150, the excess is credited to your HRA account. There is no maximum on how much you can accumulate in your HRA account. Your HRA account is used to cover eligibility for all the other benefits provided by the Five RiversH&W Plan, including medical and prescription drugs.

Contribution (Work) Month and Benefit Months: $1160 is required to reach eligibility

Contributions for hours worked will not be added to your account until the cash contribution for the hours worked is actually received by the Fund Office and considered in determining eligibility for Fund Benefits.

This Is Just a Summary

This is just a brief summary of the basic eligibility rules for bargaining unit employees. You should consult your Summary Plan Description (SPD) for a more complete explanation. If there is any unintentional discrepancy between this explanation and the Summary Plan Description (SPD) booklet, the SPD will govern.

Trustee Authority

The Trustees of the Five Rivers Fund determine the eligibility rules, which are summarized above and explained in more detail in your Summary Plan Description (SPD) booklet. The dollar amounts required for eligibility are also determined by the Fund’s Trustees, and may be changed at any time.