A service provider change is scheduled for September 1, 2026.
We are pleased to announce that HRA VEBA Trust is transitioning its trustee, custodial, and investment services from Washington Trust Bank to Alta Trust Company and Charles Schwab Trust Bank. Alta will assume the role of trustee and custodian. Schwab will provide a more flexible and robust investment trading platform. These changes will allow us to administer your health reimbursement arrangement (HRA) and serve you more efficiently.
The transition period is expected to start August 17, 2026 and end on or around September 1, 2026. You may continue logging in online or using our mobile app, HRAgo®, to access and manage your HRA without interruption. All services will continue as usual during the transition period, except: (1) the debit card spending limit for claims-eligible HRAs will be $5,000 for the entire transition period (not the standard $5,000 per day). The standard daily spending limit will resume on or around September 1, 2026; and (2) employer contributions, claims, investment allocation changes, daily account valuations, etc. will not be fully processed and visible online until after the transition period ends.
HRA coverage must be limited for certain retiree rehires.
If you've separated or retired from your employer and your HRA provides only post-separation claims eligibility (no in-service benefits), your claims eligibility must be limited if you are rehired by that same employer. During re-employment, your HRA will cover only dental, vision, and qualified long-term care expenses. Full coverage (claims eligibility) remains available before and after your re-employment period.
Check your account information and investment allocation at least annually.
Now is a good time to make sure your account is up to date.
Make sure your contact, spouse, and dependent information is current. If you’ve moved, have a new phone number or email address, or need to update your spouse and dependent information, log in and click My Profile to check and update your mailing address and other important information.
Verify we have your separation date on file. If you’ve changed employers, separated from service, or retired, log in online and look for your separation date on the landing page directly underneath your account balance. If the date is missing or incorrect, give us a quick call at 1-888-659-8828. We need your accurate separation date to help protect your HRA from potential Medicare demands (if applicable).
Confirm your investment allocation is still appropriate. It's a good idea to review your investment allocation at least once per year and make any necessary changes. You should consult with a professional financial advisor before making investment decisions. Your HRA plan and its agents do not give investment advice.
Help protect yourself from fraud and theft.
Bad actors can steal your personal information any number of ways. Fraud occurs when criminals steal and use someone’s confidential information without permission. Armed with stolen data, scammers can pretend to be you. All too often this causes personal and financial problems that are hard to fix.
Confidential information includes data like your Social Security number, birth date, passwords, and debit or credit card details.
Register your account online. Log in and click Register and follow the onscreen prompts.
Stay alert and monitor your account regularly. It’s your responsibility to regularly check your account activity, including debit card transactions, for accuracy and anything suspicious. You can do this online, from our mobile app, HRAgo®, and by reviewing your account statements.
Check and empty your physical mailbox daily. This helps avoid the risk of thieves stealing confidential mail like new debit or credit cards, banking and other account statements, loan documents, etc.
Sign up for e-communication and direct deposit. You'll enjoy less mail clutter (account statements, paper check reimbursements, etc.) and better privacy protection. Log in and click My Profile to check your preferences.
For more details, read our Help Protect Your Account from Fraud handout.
An investment fund change is scheduled to occur on or around September 1, 2026.
The Champlain Small Company Stock fund is being replaced due to underperformance. The new fund, Nuveen Quant Small Cap Equity, has a better quantitative profile, strong risk adjusted return metrics, and its operating expenses are more than fifty percent lower than the Champlain fund.
The Plan's Privacy Notice has been updated.
The HRA VEBA Plan's Privacy Notice has been updated. To view and download a copy, click here.
The annual Medicare Part D Notice is available.
This is a required annual notice about prescription drug coverage provided by the HRA VEBA Plan and Medicare Part D. Please read it carefully, and keep it on file for future reference. To review online, log in and click Resources, or contact our Customer Care Center to request a paper copy.
A Summary of Benefits and Coverage is available.
We’re required to make a Summary of Benefits and Coverage (SBC) available annually. The purpose of the SBC is to help consumers compare group health plan (insurance) benefits. While your HRA is a group health plan, it is not insurance. You’ll notice that some of the information and defined terms in the SBC are not applicable to your HRA coverage. To download and view the current SBC, log in and click Resources, or contact our Customer Care Center to request paper a copy.