During Delphi Bankruptcy Action, Delphi Agreed to Establish a Hardship Fund:

The Hardship Fund is intended to assist Delphi Salaried Retirees and/or their survivors, dependents, and spouses that face serious financial hardship with funds to assist them in paying the cost for medical and prescription drug coverage.


  • Delphi Salaried retiree or surviving spouse retired prior to April 2, 2009.
  • Meet financial qualifications as established by the Delphi Salaried Retiree Association-Benefit Trust (DSRA-BT) (see below).
  • The combination of your household Adjusted Gross Income and a predetermined percentage of your assets will be used for eligibility determination.
  • Applications accepted year round
  • Click here for an application

2020 Hardship Grant Eligibility Criteria
Plan Year: 1.1.2020 – 12.31.2020

The DSRA-BT will continue to provide financial assistance to those in need for the 2020 plan year.


All applicants must submit a Hardship Grant application to document household Modified Adjusted Gross Income (MAGI) and assets. First, home equity assets are excluded, and then a percent of net assets is added to MAGI to determine eligibility. The percent added varies for 1-person, 2-person, and family households.

You must be a Delphi salaried retiree or surviving spouse receiving, retirement benefits (commenced prior to April 2, 2009) to be eligible for Hardship Grant consideration. Similarly, you and/or your spouse must be receiving your Social Security benefit, if eligible.

As always, Hardship Grants are based solely on financial status. This means your current year annual income, the prior year annual income, and an assumed withdrawal of your Other Financial Assets (OFA*), as defined below:

  1. Current Year Gross Household Income Maximum (2020)

            Household                      Annual
            Size (persons)                 Income 
                        1                      $30,350
                        2                      $41,150
                        3                      $51,950
                        4                      $62,750

  1. Prior Year Gross Household Income Maximum (2019)

            Household                      Annual
            Size (persons)                 Income 
                        1                      $30,150
                        2                      $40,600
                        3                      $51,050
                        4                      $61,500

  1. Other Financial Assets (OFA)
    Includes all cash, savings, checking, investment, and retirement accounts.

             Household                     Net Assets
             Size (persons)                  Added                                                  
                        1                      10% of any/all OFA exceeding $25,000
                        2                      15% of any/all OFA exceeding $30,000
                        3                      20% of any/all OFA exceeding $30,000
                        4+                    25% of any/all OFA exceeding $30,000


Grant amounts are based on household size as follows:

             Household                  Pre-65 Hardship      Post-65 Hardship
             Size (persons)             Grant Amount         Grant Amount
                        1                      $  4,900                   $3,120
                        2                      $  8,760                   $5,650
                        3                      $11,630                   $8,290
                        4                      $11, 630                  $8,290

Household size is determined by the number of insured persons within your household covered by the Affordable Care Act (ACA) exchange plan you elected. Hardship Grants are expected to be issued by the end of January, 2020. Grant amounts should be reported on the ACA subsidy applications as other income and should NOT be reported as a premium subsidy, premium payment, or insurance assistance.

Please be aware the Federal Government will consider your Hardship Grant as taxable income. If you receive a Hardship Grant in 2020, you will get a Form 1099 from the DSRA-BT to be filed with your 2020 federal tax return by February, 2021.


If you believe you might be eligible for a Hardship Grant, you are encouraged to apply. Applications are accepted year round. Hardship application forms are available at www.dsrabenefittrust.net à Resources à Hardship Fund à Click Here For Hardship Application. Alternatively, you may request a hard-copy application from Benistar, our Hardship Grant administrator at 1-888-588-6682.

If you believe you may qualify, please complete and submit an application.

Thank you,  

DSRA-BT Board of Directors

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