6.5. ERMUSR 01-15-2008 - Laserfiche WebLink

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the expense. The Claims Administrator may, to the extent provided by law, rely on information provided by Participants. 11.6 Incurred Expenses. To be reimbursable, an eligible Medical Expense must have been incurred after participation in this portion of the Plan began and during the Plan Year for which reimbursement is claimed. An expense is "incurred" when the Participant is provided with the care which gives rise to the eligible Medical Expense, not when the service is billed or paid. Reimbursement shall not be made for future projected expenses. However, the Plan may reimburse expenses for orthodontia care in advance. 11.7 Reimbursement of Expense. The Participant shall be reimbursed at least either (a) once per month, or (b) when the total reimbursement for Eligible Medical Expenses first equals or exceeds $50.00. Reimbursements shall be made from the Participant's ME Account for eligible Medical Expenses incurred during the applicable Plan Year for which the Participant submits the documentation required under Section 11.5. An amount up to the sum of the Participant's Election and the Employer Contribution, if any, and reduced as of any particular time for prior reimbursements for the same Ptan Year, shall be available for reimbursement at all times during the Plan Year. 11.8 Maximum Reimbursement. The maximum reimbursement a Participant may receive for a Plan Year under this portion of the Plan shall be $3,000. The maximum reimbursement amount applies to the Participant, Spouse, and Dependent children on an aggregate basis, not an individual basis. 11.9 Reimbursement Upon Termination of Participation. If an individual ceases to be a Participant in this portion of the Plan, coverage shall cease (which means that reimbursements shall cease) unless benefits under the Plan are continued as provided in Section 11.14. If coverage ceases, reimbursements for eligible Medical Expenses incurred before participation stopped may be reimbursed within ninety (90) days following termination of participation. The remainder of the Participant's ME Account shall be forfeited in accordance with Section 5.6. 11.10 Participant's Death. In the event a Participant dies having incurred an eligible Medical Expense which would have been reimbursable out of the Participant's ME Account had the Participant not died and a person or the Participant's estate has paid for or assumed liability for the expense, reimbursement may be made to that person or the estate for that payment or assumption. The remainder of the Participant's ME Account shall be forfeited in accordance with Section 5.6. 11.11 Nondiscrimination. This portion of the Plan shall not discriminate in favor of Highly Compensated Individuals as to eligibility to participate or benefits. If the Plan Administrator determines that this portion of the Plan is or may be discriminatory, the Plan Administrator may take action permitted by law to avoid such result. If the Plan fails any applicable nondiscrimination requirements, Highly Compensated Individuals shall have taxable income imputed to the extent required by law. 11.12 ME Account Forfeitures. Amounts attributed to a Participant's ME Account for any Plan Year shall be used only to reimburse the Participant for eligible Medical Expenses incurred during the Plan Year. Any balance remaining in a Participant's ME Account for a Plan Year shall be forfeited on the first day following the last day of March immediately following the end of such Plan Year (the "claims run-out period's and shall be forfeited in accordance with Section 5.6. The Plan Administrator may extend this period in the event the Participant cannot obtain proper documentation until after the expiration of the period. Such forfeited amount shall not be distributed in cash, carried over to the next Plan Year or used by the Participant for any other purpose. ©2007 Hitesman & Associates, P.A. 25 Elk River Municipal Utilities 122707 Flexible Benefits Plan