City of Detroit Police & Fire Retiree Health Care Plan:

A program that helps you manage your health care benefits.

Stay Informed with DPFRHC Resources

Please review the resources available on this site. Want to keep up with all of the latest updates from the Detroit Retiree Health Care Trust? Please sign up for our newsletter.

News & Media Room

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Jan

03

Board of Trustees

Effective January 1, 2019, the appointed members of the Board of Trustees are as follows: Mayor's Appointee:  Floyd Allen RDPFFA Appointees: John T. ...

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Jan

03

Healthcare Reimbursement Account (HRA) Claim Forms

Healthcare reimbursement account (HRA) forms are available at the Trust’s website at: (www.ourbenefitoffice.com/DPFRHC/Benefits). All requests for reimbursement must be compl...

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Health Care FAQ's

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I qualified for and am receiving the HRA contribution of $50 and the spouse contribution of $125. Will I still receive these HRA contributions?

Yes, you may continue to receive HRA contributions, however you will be asked to verify that you still meet the program qualifications for the HRA contributions.

Posted in: Health Care

I am a Medicare-eligible retiree, but my spouse qualified for the $125 additional HRA contribution. Will my spouse receive the HRA?

In this instance, an HRA will be set-up in the name of the retiree and will be credited each month with the amount of the additional spouse HRA contribution.

Posted in: Health Care

What happens if I do not opt-out of the HRA?

You will be automatically enrolled in the HRA and your account will be credited each month in the amount of your current stipend. Failure to opt-out in writing will result in your default enrollment in the RHC Trust's HRA coverage and as such, if you are currently purchasing health insurance on a public healthcare exchange, HRA coverage through the RHC Trust will be considered "other health coverage" and may result in your ineligibility for federal tax credits on the public exchanges.

Posted in: Health Care

I purchase health insurance on a public healthcare exchange and receive federal tax subsidies. Will the HRA affect these subsidies?

Please be aware that HRAs are considered to be group health plans within the meaning of Internal Revenue Code § 9832(a); Section 733(a) of the Employee Retirement Income Security Act of 1974 (ERISA); and Section 2791(a) of the Public Health Service Act. If you are currently purchasing health insurance on a public healthcare exchange, HRA coverage through the RHC Trust will be considered "other health coverage" and may result in your ineligibility for federal tax credits on the public exchanges. Therefore, if you are currently receiving federal tax credits, you may want to opt-out of coverage under the RHC Trust in order to preserve your eligibility for such tax credits on the public health exchanges.

Posted in: Health Care

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