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:




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 or 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.


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


Two Person


Under Age 65






Under Age 65 & Medicare Disabled








Under 65 QFM






No subsidy available for post-65 members



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 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 * . . . . . . . .


Post 65


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

1-877-336-DSRA (3772)

* BCBSM will only accept change of address via the enrollment form, which can be found on our website at 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.


For Immediate Release

Friday, August 2, 2019

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

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


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.

The Senate Finance Committee is tasked with the Health Coverage Tax Credit (HCTC).  They have established a Health Task Force and it is charged with making recommendations regarding health-related tax provisions (in this case, HCTC) expiring by year end. We have just learned that the task force is no longer accepting email from the public.

Disregard our recent direction to email directly to the task force. The best course of action to follow now is write your 2 Senators and your Representative in the House. Tell them how important the HCTC is to you and your family and that you are requesting each of them to contact on your behalf the four Senators on the task force.  Don’t delay, send your comments very soon to your three DC representatives asking them to take action to reauthorize the HCTC immediately!  Remind them that the HCTC Program has provided financial assistance to Delphi retirees impacted when their pensions were significantly reduced and their healthcare in retirement eliminated due to the GM bankruptcy.  Please urge them to take action to ensure the HCTC becomes permanent tax law. The task force is in the position to make this recommendation. Their help in extending the HCTC is greatly needed by thousands of Delphi retirees who will struggle to obtain affordable health care if the HCTC is not extended beyond 2019. 

In your communication with your State Representative(s) for the district in which you reside, request their support in co-sponsoring Congressman Mike Turner’s (R-OH) bill, H.R. 1939 for HCTC Reauthorization.

We appreciate your help!  If you have any questions, contact one of the following DSRA-BT Board Members.

Lori Ostrander                           Sharon Delezenne                            Paul Beiter

Secretary                                  Member at Large                              Co-Chair

Dear Delphi Retiree or Eligible Dependent:


In a recent email blast, we mentioned that if you are currently enrolled in the HCTC AMP program and you changed/updated your mailing address with BCBSM through a new enrollment form, you MUST verify that your address matches what the IRS currently has. If the address is different, you MUST submit a new 13441-A form to the IRS. While this information is still true, you DO NOT need to completely fill out the 13441-A form as previously stated. Please reference the sample 13441-A form located at for the sections that you do need to fill out when submitting your new address to the IRS.

Visit our website at or download the form at when submitting a new form to the IRS.

On behalf of the DSRA Benefit Trust Committee, we thank you for your participation in the DSRA Benefit Trust benefit plans and your ongoing support. We appreciate the opportunity to continue to serve you!


DSRA-Benefit Trust Board of Directors


The subject is:  EXTEND HCTC BEYOND 2019!…. A most critical issue facing many of us who have not reached Medicare eligibility. If you are on Medicare, we still need you to voice your opinion. If you benefitted from the HCTC over the past 10 years, we need you more than ever. Please spend a few minutes and send your request for an extension of the HCTC to your Congressional Representatives.

The need for the extension of the HCTC will be a definite uphill battle because our under age 65 retiree population has dropped significantly since our last successful efforts to extend the HCTC in 2015. But we are not alone. There are now other VEBA’s in existence that rely heavily on the HCTC and they will be communicating with their Representatives also.

We have made this as simple as possible for you to participate.   We will provide a letter to use for your Congressman/woman and a letter for your Senators.  Insert their names in the applicable letter, then fax or copy/paste into an email to the addressee.   By all means, personalize and embellish if you wish. We strongly recommend that you include a reference to the percentage of your Delphi pension that would be used to pay the full cost of the DSRA Benefit Trust gold plan. A link is provided below to the DSRA BT website 2019 BCBSM premiums page. The letters to your representatives can be accessed at the following links:

House of Representatives letter

Senator’s letter

DSRA Benefit Trust 2019 medical insurance premiums.


Here’s the site to reference if you need help identifying who represents you:


Go to the site and enter your address to obtain their contact information and gain access to each of their official websites.

Cathy Cone, who heads the Auto VEBA will be making the rounds in DC later this month so our help is immediately needed to support her visits and reinforce her position.  

Let us hear from you about feedback you receive.

Many thanks for your effort,

DSRA-BT Board of Directors

March 7, 2019

Go to top