The HCTC program has been reauthorized for 2020 and the HCTC AMP program will begin providing the MONTHY 72.5% subsidy to eligible participants that have returned a newly completed 13441-A form to Benistar, the DSRA-BT Plan Administrator.  The monthly program begins again on February 01, 2020, following a brief termination.  The recent reauthorization of the program by Congress is for 1 year and now set to expire December 31, 2020.  As the AMP program begins, the IRS/HCTC has informed us they will be requiring ALL HCTC AMP participants to complete a new 13441-A form.  This is a mandatory action each individual and each family must take, in order to participate in the AMP program for 2020.

     *  If you fail to complete and return a New 13441-A form to Benistar, the Plan Administrator, you will not be eligible to participate in the AMP program. 

     *  The Special Open Enrollment Period is now available and will run until January 31, 2020.  If you intend on making a change to your 2020 BCBSM plan level or if you terminated your BCBSM insurance at the end of 2019 and would like to re-enroll, please complete the DSRA Benefit Trust BCBSM Enrollment form and check “Change”, “Other” and write “Plan Level Change” or “Re-Enrollment”.  It would be helpful to also write “Plan Level Change” or “Re-Enrollment” on the top of the form.  It is not necessary to check any other boxes in Part I of the form.  If you do not wish to make any plan changes for 2020 during this Special Open Enrollment Period, you do not need to complete the DSRA-BT BCBSM Enrollment Form.

     *  Prior to receiving this email, if you have sent a re-enrollment 13441-A form to Benistar and do not need to update your 2020 plan selection or if you have sent the re-enrollment 13441-A form and have confirmed with Benistar of your plan change for 2020, you do not need to send another 13441-A form or BCBSM Enrollment form.  If you have sent the 13441-A form but would like to change your plan level for 2020, please complete the 13441-A form as an update and complete the BCBSM Enrollment form and send both to Benistar as quickly as possible.

     *  It is also important to remember, the IRS/HCTC will not accept 13441-A forms directly from DSRA Benefit Trust members, as they have in the past, you must send the completed 13441-A form to Benistar.  Benistar will review the forms for mistakes and will work with you to correct the information if necessary.  Benistar will forward your form to the IRS/HCTC on your behalf along with your updated insurance information.

     *  Once the IRS/HCTC AMP program receives and approves your enrollment/re-enrollment into the AMP program, they will send you a re-enrollment letter, welcoming you back into the program.  You will then be able to make your 27.5% monthly premium payment directly to the IRS.  You must include the voucher with your check when sending in your premium payment.

     *  To ensure you receive the HCTC AMP for February, Benistar should receive your 13441-A form by January 17th.  After January 17th, the IRS may not have time to process your form in time for a February AMP start.  It is recommended that you fax or email your forms to Benistar.  The updated 13441-A sample forms as well as the 13441-A form are available at www.DSRABenefitTrust.net.  If you have any questions, please call the Benistar DSRA Call Center at 1-888-588-6682.

Please remember, you must send your 13441-A form to Benistar.

 

By mail:                    Benistar DSRA-BT Client Service Center

                               10 Tower Lane, Suite 100

                               Avon, CT 06001

 

By fax:                     1-860-408-7025                 By email:          This email address is being protected from spambots. You need JavaScript enabled to view it. 

 

The IRS/HCTC will accept the HCTC Reimbursement Form #14095 for any months in 2020 you pay 100% of the monthly premium.  This form is in lieu of form #8885 filed with your 2020 Federal Tax Return.  By using form #14095, you will receive the 72.5% reimbursement for the months you have paid 100%, faster than waiting to file form #8885 with your 2020 Federal Tax Return in 2021.  To file form #14095:

  • You must be re-enrolled in the HCTC AMP program
  • You must have paid the 27.5% monthly premium for at least one month (e.g. if you are enrolled for February, you can submit form #14095 in March for the 72.5% premium reimbursement of your January 2020 100% premium payment). Please do not send your #14095 form request in prior to the completion of your first month of paying 27.5% of the cost in order to allow the IRS/HCTC program to process your application in a timely manner.  Form #14095 should not be sent to Benistar.  This form and any required supporting documents should be mailed directly to the IRS.  
DSRA-Benefit Trust Board of Directors

Last week Congress passed, and President Trump signed a spending package that extended the HCTC for one year.  DSRA Benefit Trust members will benefit from extension of the HCTC however, due to Congress’ delayed action on this matter, the January invoices which were to be mailed in December have now been delayed and will be sent the second week of January.  January premiums will now be due by January 25th ALL PREMIUM PAYMENTS WILL CONTINUE TO BE PAID TO BENISTAR UNTIL YOU HAVE SUBMITTED A NEW 13441-A FORM AND HAVE RECEIVED A RE-ENROLLMENT CONFIRMATION LETTER FROM THE IRS/HCTC.  If you already have a HCTC PIN from being enrolled in 2019, your number will be the same in 2020 but you are still required to send a new 13441-A form and until you receive the re-enrollment confirmation from IRS/HCTC you are responsible for paying 100% of the premium to Benistar.  For those that signed up and qualified for the Trust subsidy, this will still be reflected in your January invoice.  Your reimbursement from the IRS will be 72.5% of the reduced amount. The DSRA Benefit Trust Subsidy will end no later than March 1, 2019.

In addition, the HCTC department will be reopening January 15thALL HCTC AMP PARTICIPANTS ARE REQUIRED TO COMPLETE A NEW 13441-A FORM FOR 2020.  Here are the steps for completing the re-enrollment process. 

1.) Each HCTC AMP participant must complete a new 13441-A form. The 13441-A form and 13441-A form Samples can be found on the DSRA-BT website.  If you were recently split from a two person contract to two singles, you must each complete separate 13441-A forms.  Please use the attached premiums when completing your 13441-A forms. 



2.) If you were enrolled for December 2019 in the HCTC AMP program, it is not necessary to provide proof of eligibility to the IRS when re-enrolling. If you are enrolling for the HCTC AMP program for the first time, you will need to include proof of eligibility. 

3.) Mail, Fax or Email your completed 13441-A form (and proof of eligibility if you are a new HCTC AMP enrollee) to:

 Mail:        Benistar Retiree Services                                      Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
10 Tower Lane, Suite 100
Avon, CT 06001                                                 Fax: 1-860-408-7025

4.) Benistar will review and forward your 13441-A form along with proof of your BCBSM insurance premium to the HCTC department. Benistar will contact you if there are any corrections to be made to your 13441-A forms.  Do not mail your 13441-A forms directly to the IRS.  They will be rejected without the BCBSM spreadsheet being provided to the IRS/HCTC by Benistar.

5.) Once you have received the new Welcome Letter from the HCTC, you are enrolled and will start making the 27.5% premium payments to the IRS along with your voucher. Continue to pay 100% of the BCBSM monthly premium to Benistar until you receive the Welcome Letter.  It may take up to 6 weeks to receive the Welcome Letter so submit your 13441-A form to Benistar as soon as possible.

6.) Call Benistar 1-888-588-6682 with your HCTC PIN once you are re-enrolled. If you have not received new vouchers from Benistar with your PIN, print the voucher from the IRS website and include your PIN on the voucher.

Congress has made the HCTC subsidy retroactive for those participants paying 100% in a qualified plan such as the DSRA Benefit Trust plan.  You will receive the 72.5% subsidy reimbursement, for the months in 2020 that you pay 100% of the premium, by completing the necessary IRS form 8885 with your 2020 Federal Tax Return.  If you participated in the HCTC AMP program in 2019 and terminated your Pre-65 DSRA Benefit Trust insurance because of the uncertainty of the HCTC reauthorization but would now like to continue to stay in the plans for January 2020, you can call Benistar at 1-888-588-6682 before January 1st and request to remain in the same plan that you ended 2019 with.  You will be responsible for paying 100% of the monthly premium to Benistar until you are re-enrolled in the HCTC AMP program, but you will receive the 72.5% subsidy reimbursement with your 2020 Federal Tax Return. 

The DSRA Benefit Trust and BCBSM will offer a special Open Enrollment period with the reauthorization of the HCTC program. DSRA Benefit Trust members will have the opportunity to make benefit election changes and to enroll or re-enroll if you had terminated your insurance at the end of 2019.  More information regarding the dates for the special Open Enrollment period will follow soon.  If you elect to make changes to your plan during the special Open Enrollment period, you will also have to complete a second 13441-A form updating those changes with the IRS/HCTC.  For members who did not change plan levels at the end of 2019 or for those not wanting to change their 2020 plan level, you do not need to go through the special Open Enrollment process. 

The one-year reauthorization of the HCTC program is a relief but not the five-year or permanent status we had hoped for and asked for.  Therefore, we ask you to continue to bring this important program to the attention of your representatives in Washington, DC by thanking them for the 12 months while asking them to support a more permanent option.  We must remain vigilant in our efforts to keep this important benefit available to DSRA Benefit Trust members. 

If you have any questions regarding your 2020 DSRA Benefit Trust insurance plans both Pre-65 and Post-65, please call Benistar, the DSRA Benefit Trust administrator, at 1-888-588-6682. 

Stay tuned for more information!

DSRA-Benefit Trust Board of Directors

We have great news to share. The final fiscal year 2020 Congressional funding bill released today includes a short-term (1 year) extension of the Health Coverage Tax Credit through the end of 2020. The bill still has to be signed by the President but it appears all parties have indicated support for the bill.

Much appreciation goes out to all who communicated the need for this extension with your Representatives. Please see the announcement from Senator Portman’s office. We will have to take up the battle again in 2020 but for now we can breathe a sigh of relief for the immediate future.

Information will be forthcoming shortly about a special Open Enrollment window to allow enrollees to make changes to their medical coverage.

 

DSRA BT Board

UNITED STATES SENATE

For Immediate Release

Tuesday, December 17, 2019

Contact: Emily Benavides (Portman) 202-224-5190

Matthew Keyes (Brown) 202-224-3978

https://bit.ly/2sALNBL

 

Portman, Brown Announce Final FY 2020 Funding Bill Includes Extension of Health Coverage Tax Credit
Health Coverage Tax Credit is Critically Important for Thousands of Hardworking Retirees in Ohio

 

WASHINGTON, DC – U.S. Senators Rob Portman (R-OH) and Sherrod Brown (D-OH) announced that the final FY 2020 funding bill released includes a short-term extension of the Health Coverage Tax Credit through the end of 2020. This credit helps subsidize the cost of continued coverage for retirees and other individuals who lost their health care coverage — in addition to their pensions and other benefits — when their employers either entered into bankruptcy or laid off workers due to foreign trade. Earlier this year, Portman and Brown introduced bipartisan legislation that would extend for five years the Health Coverage Tax Credit (HCTC). The HCTC is critically important for many hardworking Ohioans, including as many as 5,000 Delphi salaried retirees in Dayton, the Mahoning Valley, and Sandusky. In addition, a few hundred workers from the Lordstown General Motors plant have applied for Trade Adjustment Assistance (TAA) and would benefit from the HCTC as well.

 

Thousands of retirees in Ohio and their families depend on the Health Coverage Tax Credit, and I’m pleased the funding bill includes an extension of this credit, even if it is only for one year,” Portman said. “Since I came to the Senate, I’ve fought for multiple extensions of the HCTC, including my bill that was included in the Trade Preferences Extension Act of 2015 the last time the credit was extended. These hardworking Ohioans rely on the HCTC for affordable health insurance after their pensions were terminated or after they were adversely affected by foreign trade, and I will continue to work with my colleagues and the administration to ensure the stability of health coverage for these individuals and their families. While this short-term extension is less than the five years I called for in my legislation with Senator Brown, I’m still pleased that we were able to prevent the expiration of this credit, providing certainty to thousands of Ohioans.”

 

“The Health Coverage Tax Credit is a lifeline for thousands of Ohioans, many of whom are living on fixed incomes after losing their pensions and healthcare. This critical legislation will help ensure these retirees and workers get the relief they need in order to afford healthcare,” said Brown.

 

NOTE: The HCTC, which is set to expire on January 1, 2020, helps to reduce the cost of maintaining health insurance coverage for a number of individuals that are either receiving TAA benefits or are between the ages of 55-64 years old whose pensions were terminated and are being administered by the Pension Benefit Guaranty Corporation. Portman and Brown worked together to extend this tax credit in 2011 and again in 2015.

 

Dear Delphi Retiree or Eligible Dependent:

 

To date, the Health Coverage Tax Credit (HCTC) has not been extended and will expire 12/31/19. Therefore, the Open Enrollment period will start later to allow more time for Congress to act on the two Bills currently introduced.

The open enrollment period will depend on your age as follows:

 

PRE-65 & PRE-65 MEDICARE DISABLED

POST-65

November 1st November 15th November 1st December 7th


Senate Bill #2414 to extend the HCTC is currently sponsored by Sen. Rob Portman (R-OH), Sen. Sherrod Brown (D-OH), Sen. Robert Casey, Jr. (D-PA) and Sen. Debbie Stabenow (D-MI) and has been referred to the Senate Finance Committee. House Bill #1939 which extends the HCTC subsidy is currently in the House Ways and Means Committee and sponsored by Rep. Michael Turner (R-OH), Rep. Tim Ryan (D-OH), Rep. Jared Golden (D-ME), Rep. Guy Reschenthaler (R-PA), Rep. Veronica Escobar (D-TX), Rep. Lloyd Smucker (R-PA), Rep. Andre Carson (D-IN), Rep. Elissa Slotkin (D-MI) and Rep. Susan Brooks (R-IN).

It is very important that you continue to contact your Senators and Representatives to let them know the importance of the reauthorization of this vital healthcare benefit, Senate Bill #2414 and House Bill #1939. If your Senator or Representative is listed above, please thank them for their support of the HCTC program and ask for their continued efforts to have the HCTC program reauthorized. If you do not see your Congressional representatives above, please contact them and make them aware of your reliance on this program and how it will affect you if not reauthorized. You may reach your Senators and Representatives by phone through the U.S. Capitol Switchboard at (202)224-3121 or online at www.Senate.gov or www.House.gov. Every call and every email will make a difference so take the time to contact your Senators and Representative today and often.

If Congress extends the HCTC after the pre-65 election deadline, the DSRA-BT will reopen enrollment to allow you to make elections based on the extension. More information will be communicated at that time.

Because the HCTC has not been extended, there is only ONE distinct and separate subsidy program you may be eligible for, DSRA- BT subsidy from the Trust. In the absence of a reauthorized HCTC program for 2020, the DSRA Benefit Trust has established a medical insurance subsidy you may be eligible to receive. The Trust provided subsidy will be offered for 2020 on a monthly basis until the HCTC is reauthorized. Due to limited Trust funds, the subsidy we can offer will be substantially smaller than the 72.5% credit the HCTC provided.

    DSRA-BT SUBSIDY

Eligibility for a Trust subsidy is generally defined as being a Delphi Salaried Retiree (including spouse and eligible dependents) who retired on or before April 1, 2009. The DSRA-BT will continue to provide a health premium subsidy to eligible pre-65 salaried retirees, spouses and dependents who purchase medical insurance from the trust in 2020.


For 2020, the Board of Directors has determined the subsidies as follows:

 


 

2020 Monthly DSRA-BT Subsidy Amount (HCTC Not Reauthorized)

Plan Option

Single

Two Person

Family

Under Age 65

$240

 

$480

 

$710

Under Age 65 & Medicare Disabled

 

$660

 

 

$1320

 

N/A

Under 65 QFM

 

$240

   

N/A

Post-65

No subsidy available for post-65 members

N/A

    
 

NOTICE of CHANGE for 2 PERSON Contracts: Effective January 1, we are directing all households with 2-person contracts to re-enroll as 2 individual contracts which creates considerable cost savings for the members and allows more flexibility in plan choices since both individuals will be able to select different plans if desired. This change will also eliminate the difficulties experienced by our members when one person on the contract ages up to 65. Re-enrollment letters will be sent to all couples and must be completed and then received by Benistar, our plan administrator, by November 15th in order to make the change. For questions or assistance with conversion to two individuals in 2020, please call Cone Retiree Healthcare Group at (713)446-3501. Additional instructions will be provided in the Open Enrollment material.

To meet the Trust requirements for subsidy eligibility, the retiree must satisfy the following requirements:

1.      Delphi Salaried retiree

2.      Retirement date on or before April 1, 2009

3.      Be the Age of 55 through age 64

4.      Drawing their PBGC pension

    5.      In some cases, provide proof of lump sum distribution or agreement between both parties to a defined time period of pension payments.

EXCEPTION: There are Pre-65 salaried retirees that retired on or before 4-1-09 that have not initiated their PBGC pension payout. This makes them ineligible for the Trust subsidy. We cannot approve a subsidy for these retirees.

Under Age 65 QFM - The provision limiting eligibility to 24 months for the pre-65 spouse/dependents of a post-65 retiree remains in effect. The DSRA-BT is again offering an additional maximum of 24 months subsidy paid from the DSRA Benefit Trust funds to eligible QFM’s of retirees that are age 65, 66, 67 or 68 (24 months in a 4 year time period).

Eligibility for this subsidy ends in all cases the first of the month the retiree achieves age 69.

To receive this subsidy, you must be a QFM of a salaried retiree who retired on or before April 1, 2009

You must submit a new enrollment form to our pre-65 medical plan administrator, Benistar, to qualify for this subsidy.

Those who are currently getting a QFM subsidy do not need to submit a new enrollment form unless you are changing plans.

The change in premium will automatically be adjusted January 1, 2020.




Further details about our benefits will be posted to our website www.dsrabenefittrust.net. We will send an email blast when it’s

available. Stay tuned for more information!

DSRA-Benefit Trust Board of Directors


 

In order to receive benefit communications, please take a moment to update your contact information through our plan administrators.

Under Age 65

 

Medical, Dental, Vision BCBSM Customer Service * . . . . . . . .

1-877-354-2583

Post 65

 

Medical Mercer/SelectQuote  . . . . . . . . . . . . . . . . . . . . . . . . .
Dental, Vision – BCBSM Customer Service * . . . . . . . . . . . . . . . .

1-877-336-DSRA (3772)
1-877-354-2583

* BCBSM will only accept change of address via the enrollment form, which can be found on our website at www.dsrabenefittrust.net Resources 2019 Health Insurance Plans Pre-65 Plan Coverage Details> → Enrollment Form.

The IRS has announced an October 1, 2019 deadline for submitting Form 14095 to request reimbursement for premiums paid directly to Blue Cross Blue Shield Michigan if you are an approved Health Care Tax Credit (HCTC) AMP (Advance Monthly Payment) recipient. If you wish to receive reimbursement for any 2019 payments, you must complete Form 14095 and mail to the IRS to arrive no later than October 1, 2019. Forms received after October 1, 2019 will not be processed and you will need to seek credit for those premiums when filing your 2019 IRS federal tax return.

UNITED STATES SENATE

For Immediate Release

Friday, August 2, 2019

Contacts: Kevin Smith/Emily Benavides (Portman) 202-224-5190

Jenny Donohue/Matt Keyes (Brown) 202-224-3978

https://bit.ly/2yyYnBe                                                                          

 

Portman, Brown Introduce Extension of Health Coverage Tax Credit
Health Coverage Tax Credit is Critically Important for Thousands of Hardworking Delphi Retirees in Ohio

 

WASHINGTON, DC – Yesterday, U.S. Senators Rob Portman (R-OH) and Sherrod Brown (D-OH) introduced legislation that will extend for five years the Health Coverage Tax Credit (HCTC) for retirees who lost their health care coverage — in addition to their pensions and other benefits — when their employers either entered into bankruptcy or laid off workers due to foreign trade. The HCTC is critically important for many hardworking Ohioans, including as many as 5,000 Delphi salaried retirees in Dayton, the Mahoning Valley, and Sandusky. In addition, a few hundred workers from the Lordstown General Motors plant have applied for Trade Adjustment Assistance (TAA) and would benefit from the HCTC as well.

 

“Thousands of retirees in Ohio and their families depend on the Health Coverage Tax Credit, and I’m pleased to introduce this bipartisan legislation to ensure that this credit will again be available for them,” Portman said. “Since I came to the Senate, I’ve fought for multiple extensions of the HCTC, including my bill that was included in the Trade Preferences Extension Act of 2015 the last time the credit was extended. These hardworking Ohioans rely on the HCTC for affordable health insurance after their pensions were terminated or after they were adversely affected by foreign trade, and I urge my colleagues to join me in supporting this legislation to ensure the stability of health coverage for these individuals and their families.”

 

“The Health Coverage Tax Credit is a lifeline for thousands of Ohioans, many of whom are living on fixed incomes after losing their pensions and healthcare. This critical legislation will help ensure these retirees and workers get the relief they need in order to afford healthcare,” said Brown.

 

NOTE: The HCTC, which is set to expire on January 1, 2020, helps to reduce the cost of maintaining health insurance coverage for a number of individuals that are either receiving TAA benefits or are between the ages of 55-64 years old  whose pensions were terminated and are being administered by the Pension Benefit Guaranty Corporation. Portman and Brown worked together to extend this tax credit in 2011 and again in 2015.

2020 OPEN ENROLLMENT Call BENISTAR with ALL QUESTIONS 888-588-6682
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