1. Retiree HRA Understanding your retirement benefit

2. Retiree HRA 101 Interest-bearing account in your name
Employer deposits money
Money invested in a fixed-annuity, currently guaranteeing a 1.3% interest rate through 2018*
Use for medical expenses and premiums to offset your out- of-pocket costs
Guarantees are subject to the claims paying ability of American United Life Insurance Company.
* American United Life Insurance Company’s unallocated group Fixed Annuity. Not FDIC insured. Based on the claims-paying ability of the investment provider.

3. Why use an HRA? Contributions are not taxed.
Distributions are not taxed.
Interest is not taxed.

4. HRA: Your Rainy Day Fund
If you need it, it’s there
If you don’t need it, it rolls over every year
And grows tax-free
Expenses do not expire – you can submit expenses that were incurred after you retired or separated from service at any time

5. Growing Your Money Fixed annuity*
Credited interest rate is guaranteed not to fall below 1.3% through **
Not subject to market risk
Guarantees are subject to the claims paying ability of American United Life Insurance Company.
*American United Life Insurance Company’s unallocated group Fixed Annuity.
**Not FDIC insured. Based on the claims-paying ability of the investment provider.

6. Eligible Medical Expenses
Physician visits
Prescription medication
Dental Care
Nursing home care
Eye care
Co-pays or deductibles
Medical insurance premiums
Etc.

7. Qualifying Insurance Premiums
Health, Dental, Vision, and Long- Term Care Insurance
Medicare Part B, Part C, and Part D and Medicare Supplements
Individual Policies on and off the Exchange
Employer-Sponsored Group Health Coverage (as long as not paid with pre-tax payroll deductions)

8. Who qualifies for reimbursements?
You
Your Spouse
Surviving Spouse & Qualifying Dependents
Qualifying Dependents

9. Claim Submission Options
ONLINE
MAIL
Submit claim securely online through MyMidAmerica.com
claim form to
Mail claim form to: P.O. Box Lakeland, FL 33802

10. Accessing Your Online Account
Go to
Select Access Account.
If logging in for the first time, use your SSN as your Username and the last four digits of your SSN as your password. You will then be prompted to update your login credentials.
If you have logged in before, simply log in with your established credentials.

11. Online Account Resources
24/7 Account Access
Monitor Account Balance
Access Plan Forms
Manage Investments
Edit Personal Information

12. Online Claims Submission
Go to
Select Submit Claims
Next, select Submit A One-Time Reimbursement Request
Upload documentation
7-10 business days for reimbursement
$2.50 fee for each reimbursement, capped at six distribution fees per year

13. Submitting Paper Claims
Claim Form
Include receipts or other documentation
Mail or fax
7-10 business days for reimbursement
$5 fee for each reimbursement, capped at six distribution fees per year

14. Completing Paper Claims
One-Time Reimbursements
Complete Section 2
Premium Expense Claims
Complete Section 3
Recurring Premium Expense Claims
Complete Section 3
Check “Recurring” to establish recurring premium reimbursements
Select who should receive recurring reimbursement

15. Documentation: Good vs. Bad
Itemized statement (left), Explanation of Benefits (EOB), Co-Pay receipts, or invoices if no insurance
Contains date of service, type of service, service amount and participant name*
*identifying details have been removed from example.

16. Documentation: Good vs. Bad
Only includes total amount paid
Doesn’t include breakdown of services
*identifying details have been removed from example.

17. Documentation: Premiums
Premium Notice from your insurance company that includes:
Premium Amount
Effective Date of Coverage
Name of insured – you, your spouse, or another qualifying dependent
Insurance Premiums must be paid before reimbursement
Recurring premium reimbursements remain in effect for the earlier of 12 months or when your premium changes*
*New claim form or online submission with required documentation must be submitted to renew recurring claim after 12 months

18. Recurring Claim Attestation
What is Attestation?
Statement in writing
Confirms policy is still in effect
Allows us to continue recurring reimbursements
Monthly vs. 12-Month Attestation
Monthly Attestation
Required if participant is enrolled in individual insurance policy
Submitted via Attestation Form
Request Monthly Attestation Reminder when submitting claims online
We send you a monthly – you attest by clicking a button in the
12-Month Attestation
Allowed if participant is not enrolled in individual insurance policy
Submitted via Attestation Section of the claim form

19. MySpokeskids Your Plan and Retirement Resource
Without logging in:
Download Plan Highlights and Plan Forms
Watch videos on your plan
Access Plan FAQs
Read blogs on pre and post retirement
Access important plan contact information
Simply search for your employer from the Your Plan section of the website

20. Customer Service Hours
Questions?
Online Inquiry through MyMidAmerica.com
Customer Service Hours
Monday through Thursday, 8:30 am – 8 pm ET Friday, 8:30 am – 6 pm ET
Send All Forms To:
MidAmerica Administrative & Retirement Solutions Attn: HRA Dept. P.O. Box Lakeland, FL 33802
Fax:
Call (855)

21. All group variable annuity contracts are issued by American United Life Insurance Company® (AUL), One American Square, Indianapolis, IN , Registered group variable annuity contracts are distributed by OneAmerica Securities, Inc., Member FINRA, SIPC, a Registered Investment Advisor, 433 N. Capitol Ave., Indianapolis, IN 46204,
MidAmerica and National Insurance Services are not affiliates of American United Life Insurance Company® (AUL) or OneAmerica Securities and are not OneAmerica companies.
Neither American United Life Insurance Company® (AUL), OneAmerica Securities, Inc. nor their representatives provide tax or legal advice. For answers to your specific questions, please consult a qualified attorney or tax advisor.

22. Thank you!