2017 Health Reimbursement Arrangement for Small Businesses

The Freedom Benefits standard small business health plans are redesigned for 2017. All plans can be customized. This is the table of contents for the 2017 Health Reimbursement Arrangement small business health plan.

Table of Contents

 

ARTICLE I.  PURPOSE AND ESTABLISHMENT

1.1    Purpose

1.2    Name

1.3    Plan Not Subject to Cafeteria Plan

1.4    Effective Date

1.5    Termination Date

 

ARTICLE II.  DEFINITIONS

2.1    Board of Directors

2.2    Cafeteria Plan

2.3    Code

2.4    Committee

2.5    Employer

2.6    Compensation

2.7    Dependent

2.8    Employee

2.9    Participant

2.10   Plan

2.11     Plan Adviser

2.12     Plan Year

2.12   Qualifying Medical and Health Care Expenses

2.13   Reimbursement Account

2.14   Termination

 

ARTICLE III.  ELIGIBILITY, ENROLLMENT AND TERMINATION

3.1       Eligibility

3.2       Enrollment

3.2    Acceptance of Elections

3.3    Termination

 

ARTICLE IV.  REVOCATION AND MODIFICATION OF ELECTED COVERAGE

4.1    Revocation and Modification

4.2    Administrative Modification

4.3    Limitations on Elections of Highly Compensated Employees

 

ARTICLE V.  BENEFITS

5.1    Generally

5.2    Carry-Forward

5.3      Forfeiture

5.4      Benefits Not Limited to Expenses Incurred During Plan Year

5.5    Qualifying Health and Medical Care Expenses

5.6    Refund of Duplicate Reimbursement

 

ARTICLE VI.  ADMINISTRATION

6.1    Committee

6.2    Duties and Powers of the Committee

6.3    Delegation and Allocation of Responsibilities of the Committee

 

ARTICLE VII.  CLAIMS PROCEDURE

7.1    Submission of Claims

7.2    Review of Denial of Claims

 

ARTICLE VIII.  FUNDING

8.1    No Obligation to Fund

8.2    No Interest

 

ARTICLE IX.  AMENDMENTS; TERMINATION

 

ARTICLE X.  MISCELLANEOUS

10.1   No Employment Contract

10.2   No Assignment

10.3   Choice of Law

10.4   Severability

10.5   Gender, Singular and Plural References

 

ARTICLE XI.  ADOPTION BY MULTIPLE EMPLOYERS

11.1  Method of Adoption

11.2   Delegation Upon Adoption

11.3   Employer Contributions

11.4   Withdrawal or Removal

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