Are my HRA funds available to me any time?

Many HRA plans provide an annual benefit that is available to you in full at the beginning of the plan year.

In other plans, benefits accrue from month to month. For example, your plan may provide $1,200 for the entire plan year accrued at $100 each month. You may only be reimbursed up to the maximum amount you’ve accrued at the time of the claim and reimbursed for the balance of your claim once you’ve accrued more funds. Contact your benefits department for information about your specific HRA fund availability.