Plan Features

Details of your plan may vary from the information provided so please contact your Lodge or carefully review the information in your enrollment kit. You may also wish to browse the Questions and Answers about the National FOP RHS Plan brochure (155K PDF).

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Eligibility

The NFOP RHS plan is open to all active Fraternal Order of Police members who are currently employed by and providing service to federal, state, or local government entities. You must also have access to an FOP, FOP Labor Entity, or recognized affiliated organization payroll deduction. Staff members of the FOP are also eligible to participate. Other types of participation in FOP or recognized affiliated organization bargaining units may also qualify you to participate. Please contact the FOP for additional information.

Contributions

Several types of contributions are possible in the NFOP RHS plan:

  • Elective pre-tax contributions ranging from 1–15% of your compensation
  • Elective contribution of all or part of your accrued leave upon separation from service

The following types of contributions may also be part of your plan depending upon the specifics negotiated during implementation:

  • Direct employer contributions
  • Mandatory pre-tax contributions from your compensation

Accrued Leave

You may chose to use your accrued leave on a pre-tax basis to fund your NFOP RHS plan. When planning to contribute your accrued leave please remember these important considerations:

  • You may elect to contribute up to 100% of leave that would otherwise be payable to you at separation
  • Once you designate all or a portion of your accrued leave as a contribution to your NFOP RHS plan you are obligated to make the contribution as designated. You will not receive that portion of your accrued leave as cash.
  • You must make your accrued leave contribution election during the election window specified by your Lodge.
  • Once you have made your election you will not be allowed to amend or rescind your election
  • If your initial year of eligibility to contribute to the NFOP RHS Plan is also the year of your separation or retirement, your election and contribution may be made in the same year.

To learn more about using your accrued leave to fund your NFOP RHS plan read our guide to Using Your Accrued Leave

Investments

Your investment options include the Vantagepoint family of mutual funds. Consult the list of available investments to obtain more information about the funds.

Benefit Eligibility

Eligibility

You are eligible to receive reimbursement for retiree medical expenses when 1 of the following occurs:

  • You reach age 45 (whether employed or not)
  • You retire (as defined by your employer's pension plan)
  • 30 days after you cease being a member

You must complete and submit to ICMA Retirement Corporation the eligibility form before you may begin receiving reimbursements. Reimbursement processing will be handled by the Plan’s third-party claims processor Zenith Administrators.

Qualified Individuals

The following individuals may request reimbursements:

  • You
  • Your spouse
  • Your dependents

Qualified Expenses

To determine which specific medical and dental expenses qualify for reimbursement please see IRS publication 502 Medical and Dental Expenses.

Examples of permissible expenses include

  • Medical insurance premiums
  • Dental insurance premiums
  • Prescription medications
  • Medical out-of-pocket expenses

Making A Reimbursement Request

Complete the VantageCare Retirement Health Savings Plan benefits Reimbursement Request Form (38K PDF) and send it as instructed on the form to Zenith Administrators the plan’s third-party claims processor.

Survivor Benefits

Your surviving spouse and dependents* are automatically eligible to use the account after your death. Their qualifying medical expenses are reimbursed on a tax-free basis in the same way they are during your life.

If there is no surviving spouse or any dependents, your named beneficiary is eligible to use the account; however, reimbursements to beneficiaries are taxed.

In the event you have no surviving spouse or dependents and you have no named beneficiary(ies) on file, your assets in the Plan will revert back to the NFOP RHS trust. Your Lodge leadership will determine how these assets will be re-allocated.

To designate your beneficiary or to change your existing beneficiary information, download the NFOP RHS Plan Member Information Change Form.

Your survivors can designate their own beneficiaries on the NFOP RHS Plan Personal Information Form for Survivors.

* An individual who qualifies as your dependent on the date of your death will always be considered a dependent for the purposes of plan administration and reimbursement processing.


National Fraternal Order of Police