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Learn about important benefit changes for 2025.
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Resources
The following resources are designed to help provide you with a streamlined, easy-to-use retiree health experience.
Frequently asked questions (FAQ)
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How do I get a debit card to use for healthcare purchases?
You can sign up for an Emeriti Retirement Health Debit Card by calling the Emeriti Service Center at 1-866-EMERITI, Option 2. A representative will be glad to issue a card to you. It will arrive within 7-10 business days of your request.
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What expenses are reimbursable?
Eligible medical expenses are defined under Internal Revenue Code Section 213(d). Please refer to IRS Publication 502 to learn more regarding eligible medical expenses. The following is a list of common reimbursable eligible medical expenses:
- Premiums for health insurance coverage, including COBRA and long-term care but excluding coverage for active employees under an employer-sponsored group health plan
- Medicare premiums, deductibles, and coinsurance
- Out-of‐pocket costs related to durable medical equipment, vision, dental and hearing aids
- Out-of-pocket hospital and surgical expenses
- Certain out-of‐pocket costs associated with nursing or in‐home healthcare services
- You can also refer to this user-friendly list to confirm that your product or service is reimbursable.
https://fsastore.com/fsa-eligibility-list/
How can I get reimbursed for my claims?
Please contact Emeriti (CBIZ) at 1-866-363-7484 Option #2 for any claims/reimbursement inquiries
Why is my account not claims active?
Your plan sponsor has not yet provided us with a term date or retirement healthcare status. Please reach out to your plan sponsor or we will reach out to your plan sponsor to update
Why was my account forfeited?
You did not meet the age or years of service requirement as defined by your plan sponsor. Please contact your benefit office if you have additional questions
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Who is eligible for the Emeriti Reimbursement Benefit?
A participant who terminates from employment and is vested in their former employer’s Emeriti Retirement Healthcare Savings Plan (the Plan), is eligible for reimbursement of qualified medical expenses (QMEs) incurred after their termination date. Qualified medical expenses incurred by the participant’s spouse or other eligible dependents after the participant’s termination date (or date of death, whichever comes first), may also be reimbursable.
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What if I return to work with my employer?
If your employer reemploys you, your right to receive benefits under the Plan is suspended until the first day of the month following your subsequent termination of employment. However, your account will participate in the investment earnings of the underlying mutual funds in which the account is invested.
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Who qualifies as an eligible plan dependent?
A medical expense incurred by an eligible participant’s dependent may be reimbursable under the Emeriti Healthcare Savings Plan. A dependent usually includes a spouse and children under the age of 26. If your Plan permits, expenses incurred by other dependents may also be reimbursable according to Internal Revenue Code requirements. If your Plan permits, eligible medical expenses incurred by a non-dependent domestic partner may be reimbursable under the Emeriti Health Plan on a taxable basis. See IRS Publication 502 for more detail regarding eligible reimbursable medical expenses and eligible dependents.
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What is considered adequate proof of payment and substantiation of my claim(s)?
An Explanation of Benefits (EOB) from your insurer or a receipt of payment for the medical expense
(or insurance premium) will substantiate your claim. The EOB or receipt must show the Date of Service, the Patient’s Name, the Service Provider’s Name, a description of the Qualified Medical Expense, and the amount requested for reimbursement.For prescribed, over‐the-counter medicines and drugs, you must also include a copy of the doctor’s prescription or a printed Rx number on the health expense receipt.
For personal protective gear used to prevent the spread of the coronavirus, or for menstrual products and over-the-counter medications prescriptions are not required.
Canceled checks or credit card statements are not acceptable proofs of payment.
Claims documentation must have the following:
- Patient Name
- Date of Service
- Provider Name
- Description of Service
- Amount
Good examples of claims documentation:
- EOB
- Rx label
- Itemized provider bill
- Medicare Part B/D letter
- Insurance carrier premium bill
Insurance Premium documentation must include:
- Insured’s Name
- Insurer’s name
- Coverage Period
- Type of Insurance
- Premium Amount
Examples of documentation that is not acceptable:
- Credit card receipts
- Cancelled checks
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How long do I have to submit a claim for reimbursement?
Claims must be submitted for reimbursement within 12 months following the end of the calendar year in which the expense was incurred. For example, an expense incurred on November 1, 2022 must be submitted by December 31, 2023.
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How do I submit a reimbursement request for health plan premiums in advance?
You may be reimbursed for prepaying insurance premiums up to 12 months in advance. You will need to submit an insurance statement that specifies your contracted premium amount for the year or for the defined coverage period for which you are requesting reimbursement. Along with your insurance statement, you must submit proof that you have prepaid premiums to the insurance carrier.
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Can I set up recurring reimbursements?
Yes. You can send a one-time claim submission for your insurance premiums that will be used to reimburse you monthly. You will need to submit an insurance statement that specifies your contracted premium amount for the year or for the defined coverage period for which you are requesting reimbursement. Likewise, for reimbursement of Medicare Part B and/or Part D premiums, you will need to provide a copy of your annual Social Security statement that is mailed to you. You can also download your statement online at medicare.gov.
Recurring payments are released at the beginning of the month for the prior month’s coverage period. (e.g., payment released the first week of December for coverage period November 1—November 30).
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Is there a limit to the amounts for which I can be reimbursed?
No. A vested and terminated eligible participant may be reimbursed for qualified medical expenses up to the full balance in their Emeriti Health Account. Reimbursements are processed from the available account balance held in the TIAA-CREF Money Market Mutual Fund. If a claim exceeds the dollar amount held in your TIAA-CREF Money Market Mutual Fund you may need to transfer funds from your TIAA‐CREF Life Cycle Mutual Fund to your TIAA-CREF Money Market Mutual Fund to ensure your reimbursement is processed. You may transfer funds online at tiaa.org or by calling the Emeriti Service Center at 1‐866‐EMERITI (1‐866‐363‐7484) and selecting option #3.
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Are reimbursements tax-free?
Yes. Reimbursements for eligible qualified medical expenses are tax-free.
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How are reimbursement payments made?
CBIZ, the claims administrator for the Emeriti Plan, will process your claim request and send reimbursement to your address on record. You may also request to have reimbursements deposited directly into your checking or savings account by indicating this on the Emeriti Program Claim Form.
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Why must I transfer money into the TIAA-CREF Money Market Mutual Fund to be reimbursed?
All Emeriti Health Account claim reimbursement requests are processed from the available account balance held in your TIAA-CREF Money Market Mutual Fund. The TIAA-CREF Money Market Mutual Fund provides relative stability in your available account balance to ensure sufficient funds are maintained to process your reimbursement. Other investment products available within your Emeriti Plan may be subject to significant market fluctuation on a daily basis.
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How quickly do the Funds transfer across the available TIAA-CREF Lifecycle and Money Market Funds?
Transfers between the TIAA-CREF Lifecycle Funds and the TIAA-CREF Money Market Mutual Fund are processed as of the close of business on the New York Stock Exchange (usually 4 PM ET Monday through Friday). Transfer requests received after the close of business on the New York Stock Exchange are processed as of the close on the next business day. You may transfer funds online at tiaa.org or by contacting a TIAA representative at 1-866‐EMERITI (1‐866‐363‐7484) and pressing option “3” for assistance Monday through Friday, 9:00 AM to 5:30 PM Eastern Time.
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How do I submit claims?
You can submit reimbursement claims via mail, fax, and online at MyEmeritiBenefits.org. You will be able to view all your reimbursement claim transactions at MyEmeritiBenefits.org. It’s easy to register with your email address and a password.
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How do I check the status of my claims?
If your claim is denied, you will be informed by mail. You will be provided the reason for denial and an opportunity to appeal or resubmit your claim. If you have any questions about your reimbursement claim, call 1-866‐EMERITI (1‐866‐363‐7484) and press option #2, Monday through Friday, 9:00 AM – 5:30 PM Eastern Time. You may also visit our benefits website 24/7 at MyEmeritiBenefits.org.
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How do I get reimbursed for mail-order prescription drugs?
You may submit documentation of your order manually (by mail, fax, or online at MyEmeritiBenefits.org), or you may use your debit card. If you’re not sure whether you have the debit card option, please check with your benefits office.
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Do I have to provide my Social Security number to be reimbursed?
Yes. CBIZ, Emeriti’s reimbursement claim administrator, requires your Social Security number (and that of your eligible dependents) to process your claim requests. You only need to provide the information once — either on the first claim form that you submit or by calling the Emeriti Service Center at 1‐866‐EMERITI (1‐866‐363‐7484) and pressing option #2 Monday through Friday, 9:00 AM – 5:30 PM Eastern Time.
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What happens to my Emeriti Health Account assets when I die?
The remaining assets can be used by your spouse and any eligible dependents for Emeriti Health Insurance premiums and qualified medical expenses until they die or cease to be eligible dependents.
It is important to remember that this is a program designed specifically to pay for health expenses, and it receives very favorable tax treatment for this purpose. Therefore, federal law requires that when you and all your eligible dependents die (or cease to be eligible dependents), any unused funds in your account will revert to your institution’s Plan for use in providing benefits to other eligible participants.
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Can I roll over the funds in my Emeriti Health Account to another plan?
No. Your Emeriti Health Account is not a qualified account and therefore not eligible for rollover or direct transfer to another administrator. Your vested Emeriti Health Account goes with you and you will have access to reimbursement for yourself and your eligible dependents until the account is depleted or after your death and the death of your last eligible dependent.
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How do I update my contact information?
It’s very important that you keep Emeriti informed, should you change your permanent residence. Please call 1-866‐EMERITI (1‐866‐363‐7484) and press option #3, Monday through Friday, 9:00 A.M. – 5:30 P.M. Eastern Time, to update your information.
Emeriti Reimbursement Benefit Resources
Emeriti Service Center 1-866‐EMERITI (1‐866‐363‐7484)
Press option #2 to speak to a CBIZ representative. Press option #3 to speak to a TIAA representative.Mailing address CBIZ
3000 Chestnut Street #8569
Philadelphia, PA 19104-9998Online dashboard MyEmeritiBenefits.org
Check the status of reimbursements and electronically
submit claimsFax 215-563‐9943 Check health account online Log in to your account at tiaa.org
Check health account balance and make fund transfers -
How do I change indicative data for participants?
Indicative data, such as hire, termination and birth dates plus status codes for all participants are changed via the uploads to TIAA.
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I need to amend my plan; how do I do that?
Any plan changes are done through Emeriti. Please reach out to your Emeriti Relationship Manager. If you are unsure who is your Emeriti Relationship Manager, please contact the Emeriti corporate offices at 1-845-567-6666.
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How can I get assistance for my retirees?
Retirees can always call the Emeriti Service Center at 1-866-EMERITI (1-866-363-7484). The team can help them understand why a claim was denied and help determine if additional information is required.
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When can retirees change their insurance selections?
Each year during Open Enrollment, which mirrors Medicare Open Enrollment, retirees enrolled in Emeriti’s group plans can change their elections and they become effective the first of the year.
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Help! I’m new at my employer and I do not understand the Emeriti benefits.
No worries, the Emeriti team is here to help you understand the benefits. Simply call the Emeriti corporate office at 1-845-567-6666 and we will set up a meeting with your Emeriti Relationship Manager. It is a fantastic benefit provided by your employer to help you and your peers prepare for post-retirement healthcare expenses.
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Can my TIAA Relationship Manager answer my questions about Emeriti?
While the funds for the Emeriti program are held by TIAA Trust, Emeriti has its own Relationship Managers who are here to help you with every aspect of the administration of your account. Please reach out directly to your Emeriti Relationship Manager as they are the best resource for all of your Emeriti questions.
