EMPOWER
Retiree Only HRA
Advanced Flex Plan Administration with the Human Touch

Retiree Only HRA

A Retiree Only HRA (ROHRA) allows Employers to provide an HRA benefit to employees during retirement. The ROHRA is typically provided as a one-time, lump sum HRA contribution given after years-of-service  thresholds are met to encourage employees to remain with the Employer longer.

Eligibility

Employers

A ROHRA is open to all Employers.

Participants

A ROHRA is open to all Employees.

Who Can Contribute

Only the Employer can contribute to a ROHRA. However, contributions can also be carried over from another HRA during employment or from unused PTO.

Advantages of a ROHRA

Employers

  • Provides an attractive benefit to employees and helps boost
    employment longevity. For example, if the ROHRA requires ten
    years of service, employees may delay retirement to receive the
    benefit.
  • Employer HRA contributions are tax deductible.

Participants

  • Allows retirees to use Employer funds to pay for health expenses
    during retirement, such as medical care and prescription drugs, as well as Medicare supplemental insurance and other types of
    premiums. Essentially, this product allows retirees to use their HRA dollars when and where they need it most.
  • HRA contributions are not subject to income or payroll taxes.

Want the Latest Contribution Limits and Guidelines?

EMPOWER’s Benefits Solutions Guide takes the guesswork out of benefits by providing a comprehensive synopsis of each plan type, as well as comparisons and sample scenarios.

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I am a Participant
Click the above link if you are a participant who has an FSA, HSA, or HRA with EMPOWER.
I am an Employer
Click the above link if you are an Employer or Consultant.

Download Forms

Click one of the links below to view the available forms.

I am a Participant
Click the above link if you are a participant who has an FSA, HSA, or HRA with EMPOWER.
I am an Employer
Click the above link if you are an Employer or Consultant.