Health Care Reimbursement Account (HCRA)

Health Care Reimbursement Account (HCRA)

Unused contributions from your time as an active member do not disappear when you stop working. You can use them to help cover your out-of-pocket medical expenses as a retiree with a Health Care Reimbursement Account (HCRA).

What Is a HCRA?

A HCRA is a Health Care Reimbursement Account—SASMI’s retiree benefit for eligible members who retire from work in the sheet metal industry on or after January 1, 2010. It’s funded through employer contributions to SASMI for the hours you work in covered employment.

You can use your HCRA to receive reimbursement for qualifying health care expenses that you, your spouse or other dependents incur. Expenses may include deductibles, copayments, coinsurance or even premiums you pay to a health insurance carrier or to the SMWIA local union welfare fund.

You can pay for expenses using your SASMI debit card or apply for reimbursement through the HCRA app or by filing a claim. You can manage your account through the app or check your account information through the member portal.