7 General FAQs What is a Retirement Healthcare Plan (Plan)? The Plan is an employer-sponsored tax-exempt medical benefit plan through which you can get reimbursed tax-free for your eligible out-of-pocket medical or dental expenses (i.e., expenses that are not paid for by insurance or any other benefit plan). Plan such as this operate under specific provisions of the Internal Revenue Code (IRC) and reimburse for qualified medical expenses incurred by you, your spouse or domestic partner, and other eligible dependents. How does the Plan work? While employed, eligible employees received employer contributions to the Plan on a pre-tax basis. Reimbursements for qualified medical expenses after retirement are also tax-free. As a defined contribution plan, the only funds available in the Plan are the contributions made while employed and any investment returns on those contributions. Once the funds in the Plan are exhausted, you will no longer be reimbursed for eligible healthcare expenses. When am I eligible to start using the funds in the Plan to reimburse my eligible medical expenses? You may start using your Plan funds once you’ve retired or separated from service from your employer and met the plan’s vesting requirement. How will eligible medical expenses be reimbursed? Claims administration for the Plan is provided by Optum Financial. Once you are claims eligible, claims can be paid using a provided healthcare payment card, and any receipts can be submitted by mobile phone, fax, email or online. How are the funds in the Plan invested? Contributions made by your employer are invested in a Nuveen Lifecycle Mutual Fund that has a date closest to the year you turned (or will turn) age 65. You may also self-direct how your Plan account is invested by selecting your own portfolio based on the investment options available. Is the Plan an annual “use it or lose it?” No, your account balance carries over from year to year. What if I die before using the balance in my Plan account? Will my survivors be able to use the funds in the account? If you die with funds remaining in your Plan account, your surviving spouse and other eligible tax dependents may be eligible to continue to use funds for eligible medical expenses. If you die and have no eligible survivors, the remaining funds would be forfeited. The executor of your estate may spend down any remaining funds for any unreimbursed medical claims incurred prior to your death.