Reimbursement Cheques

Once your own Self-Directed Benefit Plan is established you and your employees may start submitting receipts for any medical or dental expenses covered under your Plan.

You (and each of your employees) should periodically send your (or their) family's receipts to
Bene-D-Duct with a note indicating the total amount of receipts submitted. Bene-D-Duct will ensure that they are eligible under the terms of your Plan and issue a Reimbursement Cheque accordingly (taking account of any deductibles, maximums, and reimbursement percentage).

The Reimbursement Cheques will be issued directly to the employee provided there is sufficient proof of benefit and there are sufficient funds within your
Accumulation Account . If a receipt is ineligible or if there is insufficient proof of benefit we will send a notice to the employee explaining the reason or requesting further proof. If your Accumulation Account does not have enough funds for the Reimbursement Cheque then we will issue an Overdrawn Notice and a request for additional funds.

The stub of the Reimbursement Cheque fully describes the calculation for the amount of the cheque. It lists each receipt on a separate line with the effect of any deductible, maximum or reimbursement percentage shown.

The total amount of each Reimbursement Cheque to you or your employees will be deducted from your Accumulation Account.
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