Member Benefits
Local Benefits
Below is just an example of the many benefits offered by National HBPA affiliates. For specific information on the benefits provided in your state or province, please contact your local affiliate.
Assistance
- Benevolence For Family Emergencies and Funeral Expense
Education
- Skills Improvement for Backstretch Workers through programs like the Groom Elite Program
- Hot Walking Seminars
- Trainer and Assistant Trainer Education and Testing
Educational Assistance
- Many affiliates provide financial aid of up to $1,000 to backstretch employees and/or or children of members
- Can Apply Once Each Academic Year
Employee Assistance Program
- Confidential Counseling and Help Line
Entertainment
- Backstretch Recreation Halls
- Barbeques and Picnics for Members and Backstretch Employees
- Awards Banquets
- Owners Appreciation Day
- Boat Cruises
- Holiday Meals
- Sporting Events and Leagues
Horsemen’s Services
- Spiritual support through the National HBPA’s alliance with the Race Track Chaplaincy of America both nationally and on a local level
- Equineline.com
- Work Visa Assistance
- Faxing
- Bills of Sale
- Immigration Assistance
- Free Urine/Blood Re-Evaluation for a Positive Test
- Library Facilities
Insurance
- Third Party Liability Insurance (offered Nationally)
- Fire and Disaster Insurance (offered Nationally)
- Care, Custody, and Control Insurance
- Track Insurance
- Claiming Protection Insurance
Medical/Dental Insurance Plan
- Most if not all affiliate offices offer some form of subsidized medical and dental benefits for members and their employees
Owners Awards
- Most affiliate offices work with tracks in the formation of state bred bonus awards programs
Pension Plan
- Many affiliates are now offering member and member employee pension programs
Publications
- The Horsemen’s Journal magazine – the national voice of HBPA members
- Many local affiliates also provide local newsletters to their members
- Online news and information through the National HBPA website and local affiliate web sites
- Access to Blood-Horse, Daily Racing Form and The Horsemen’s Journal at track offices
Representation
- Affiliate board members represent members in purse negotiations and to the National HBPA
- Federal and Provincial Governments (Canada)
- Affiliate officers will often represent members at stewards / racing official hearings and at racing commission meetings
- The National HBPA will represent affiliate states in matters affecting members rights and interests nationally and internationally
Group Purchasing
At Equine & Ranch Rewards, formerly known as Equine Equipment, we’re proud to be the nation’s go-to savings program for horse and cattlemen for quality farm and facility equipment and trusted brands.
Running a cattle ranch, horse farm, or racetrack? You need tough, top-notch gear that won’t break the bank. Equine & Ranch Rewards delivers jaw-dropping discounts on elite brands like Exmark and Farrell-Calhoun Paints. No generic deals—these are exclusive savings for U.S. and Canada’s equestrians and cattlemen. We verify your eligibility, hook you up with your local dealer, and boom—massive savings right where you shop.
For more information, go to www.equineandranch.com or call (877) 905-0004.
Corporate Sponsors
The National HBPA encourages all members and horsemen to support our Corporate Sponsors:
The National HBPA encourages its members to participate in these programs:
National Racing Compact
The National Racing Compact is your one stop shop for licensing.
The National HBPA is a supporter of the only national licensing service offering licensing in 26 jurisdictions with one set of fingerprints and one application. The National Racing Compact is an Interstate Compact that was created for the benefit of horsemen that race in multiple jurisdictions.
Highlights include:
- Forever Fingerprints: The National Racing Compact will keep your fingerprints on file and use the same set of prints as long as you remain a member of the Compact.
- Add Jurisdictions at any time: Once you are granted a National Racing License, a state can be added to your license at any time by calling or emailing the National Racing Compact staff and paying that jurisdiction’s license fee. Credit cards are accepted over the phone.
- Stable Name and/or Ownership Entity Application: With the NRC SNOE (Stable) Application, the National Racing Compact can handle your stable license at well. The NRC Fee ($300 for three years) applies to owner applications. There is no administrative fee to license your stable, only each state’s respective “stable” fee if applicable.
The NRC Administrative fee is $300 for a three-year membership. For more details, go to www.racinglicense.com, call 859.224.0584 or email nrcsupport@racinglicense.com.
Jurisdictions that participate in the National Racing Compact:
Arizona, Arkansas, California, Delaware, Florida, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Massachusetts, Michigan, Nebraska, New Jersey, New York, New Mexico, Ohio, Oklahoma, Ontario, Pennsylvania, Texas, Virginia, Washington, West Virginia, Wyoming
Owners Concierge
The Thoroughbred Owners and Breeders Association’s Owners Concierge is dedicated to the encouragement of excellence and growth in the horse racing industry by providing owners with exceptional customer service, timely information and access to local resources. The goal is to ensure an exciting and successful off-track as well as on-track experience by serving the diverse needs of Thoroughbred owners.
In this day and age with time being limited, the TOBA Owners Concierge is geared toward offering peace of mind by providing clear and concise information, presented in an organized and easily accessible format. The concierge service is an owner-based initiative that, both directly and indirectly, caters to the Thoroughbred owners’ needs, as well as serving as a liaison between the horse owner and the racetrack in addition to facilitating relations with the extended racing community.
For more information, click here.
Arizona Local Benevolent Information
GUIDELINES FOR BENEVOLENCE APPLICANTS
Under IRS regulations, any assistance must be paid directly to the provider of the service. Reimbursement is not allowed. Recipients will receive 1099 forms as required by IRS which state the dollar amount of benefits received to be reported as income for tax purposes.
An application for assistance must be filled out completely, approved and signed by at least two members of the Benevolence Committee.
NOTE: You may return your application to the office at the above address; we will see that it gets to the Committee for review.
Statements must accompany all applications except when appointments have been made and the bills will be submitted when received.
- Amounts up to, but not exceeding, $1,000 may be approved for payment by the Benevolence Committee or HBPA Officers.
- Amounts above the $1,000 limit may be submitted by the Committee to the Arizona HPBA Board of Directors for approval.
- Any single person with a gross income for the past 12 month period of more than $24,000 will not be eligible for assistance.
- Any family with a gross income for the past 12 month period of more than $36,000 will not be eligible for assistance.
NOTE: Each application is reviewed on an individual basis. Please do not hesitate to apply if you feel your circumstances warrant consideration although you may not meet the above described criteria.
EYE CARE PROGRAM
GUIDELINES FOR OWNERS, TRAINERS, SPOUSES AND GROOMS:
The Eye Care program is a membership benefit provided by the Arizona HBPA to member owners and trainers while they are participating at a commercial race meet in Arizona as well as their spouses and grooms. These guidelines may be changes at the sole discretion of the Arizona HBPA and may be modified, extended, altered and revised from time to time without prior notice.
The Arizona HBPA will assist eligible persons with the cost of an exam and prescription eye care up to a total of $50.00 every two years. Any amount over $50.00 is the financial responsibility of the applicant. The Arizona HBPA is not an insurance company. Under IRS guidelines, the HBPA must make payments directly to the service/product provider. Reimbursement to individuals is not allowed. Participants may receive an IRS Form 1099 that states the dollar amount of benefits received to be reported as income for tax purposes.
ELIGIBILITY:
Owners and Trainers – Licensed, validated and have started a horse at the current commercial race meet.
Grooms – Licensed, validated and have worked for a trainer for 90 days at the current commercial race meet.
PROCEDURE:
Bring your validated ADOR license to the HBPA office to verify eligibility and pick up an application. Complete the application and return it to the HBPA office along with the cost estimates or unpaid bills that include the name and address of the provider(s).
Checks up to a total of $50.00 made payable to the provider(s) will be given to you to return to the provider so your order for glasses/contact lenses will be processed.
NOTE: You may use the ophthalmologist, optician or optical store of your choice. Most are willing to work within the guidelines of this HBPA program, however, some are not. It is your responsibility to ask your provider if they will accommodate the program. Please have them contact the HBPA office (602-942-3336) if they have questions.
DENTAL INSURANCE
The following people are eligible to sign up for Dental Insurance:
Currently licensed, validated, participating and signed on as an Arizona HBPA member:
- Groom validated and working on the track
- Trainer, their spouse or minor, legally dependent children
Also eligible to participate but required to pay the monthly premium
- Pony person
- Exercise Rider
- Independent Contractors
- Jockey
- Vendor
- Racing official
- A.D.O.R employee
- Professional private contractor (vet, horse shoer, etc.)
- Vendor’s employee
- Turf Paradise employee
Dental Premiums are subject to periodic change.
MEDICAL CLINIC referral
See HBPA Office for forms and information on visits.
Charles Town Local Benevolent Information
CHARLES TOWN, HBPA
BENEVOLENCE GUIDELINES
WELFARE BENEFIT TRUST
GUIDELINES TO SUBMIT FOR BENEFITS:
THE FOLLOWING ITEMS MUST BE MADE AVAILABLE:
1. BENEVOLENCE REQUEST FORM – AVAILABLE IN THE HBPA OFFICE FILL OUT COMPLETELY – (DATED, WHO IT IS TO COVER, MUST BE SIGNED)
2. ORIGINAL COPY OF BILL
3. PROOF OF ANY PAYMENTS – (TO RECEIVE ANY REIMBURSEMENTS OF PAYMENTS, SUCH AS CHECKS OR RECEIPTS)
4. SUBMIT TO THE SECRETARY IN THE HBPA OFFICE
LIMITS ON BENEFITS
MEDICAL – $10,000.00 MAXIMUM (PER FAMILY, PER YEAR, THIS INCLUDES EMPLOYEES AND THEIR FAMILY)
PRESCRIPTIONS – $2,500.00 MAXIMUM (PER FAMILY, PER YEAR, THIS INCLUDES EMPLOYEES AND THEIR FAMILY)
DENTAL – $200.00 EMERGENCY –$2,500.00 MAXIMUM (PER FAMILY, PER YEAR, THIS INCLUDES EMPLOYEES AND THEIR FAMILY)
VISION – EXAM/GLASSES –$800.00 MAXIMUM (PER FAMILY, PER YEAR, THIS INCLUDES EMPLOYEES AND THEIR FAMILY)
AUDIOLOGY – HEARING AID – $1,000
BILLS OF $20.00 OR LESS WILL NOT BE PROCESSED, EXCEPT PRESCRIPTIONS.
(FAMILY = PERMIT HOLDER, SPOUSE AND DEPENDENTS)
(YEAR = JANUARY 1 THROUGH DECEMBER 31)
TO BE ELIGIBLE FOR WELFARE BENEFIT TRUST FUNDS YOU ARE REQUIRED TO MAKE ONE (1) START PER MONTH FOR SIX (6) MONTHS OUT OF THE LAST TWELVE MONTHS AT CHARLES TOWN!
NOTE:
> TO BE ELIGIBLE FOR WELFARE BENEFIT TRUST FUNDS YOU ARE REQUIRED TO MAKE ONE (1) START PER MONTH FOR SIX (6) MONTHS OUT OF THE LAST TWELVE MONTHS AT CHARLES TOWN
> 75% OF MEMBER STARTS MUST BE MADE AT CHARLES TOWN
> MEMBER CAN NOT BE STABLED AT ANOHER TRACK THAT HAS LIVE RACING
> MEDICAL BILLS MUST BE SUBMITTED WITHIN (90) NINTY DAYS OF OCCURRENCE OR MAY NOT BE COVERED
> BILLS OF $20.00 OR LESS WILL NOT BE PAID
***** ALL BENEVOLENCE IS SUBJECT TO AVAILABILITY OF FUNDS *****
EFFECTIVE JANUARY 1, 2010
UPDATED, MARCH 12, 2015
Arkansas Local Benevolent Information
ARKANSAS, HBPA
BENEVOLENCE GUIDELINES
The Arkansas HBPA has created a special fund to aid trainers, dependents of trainers, and back stretch personnel of medical expenses not covered by insurance or worker’s compensation. It may also be extended in special circumstances for personal assistance.
ELIGIBILILTY REQUIREMENTS:
1. Must be a licensed thoroughbred trainer, full time groom or licensed employee of trainer.
2. Employees on farm are eligible if they are licensed at the race track.
3. Any exceptions would have to be considered by the Arkansas HBPA Board of Directors.
LIMITS ON BENEFITS:
Maximum in any one year is a negotiated settlement of not more than $3,500 for any one claim.
The Arkansas HBPA will consider requests for assistance only after all insurances, or other sources of payment are exhausted.
1. Prescriptions are covered for illnesses only. We do not cover pain medication.
2. No coverage on eye glasses.
3. Up to $1,200 for funerals that are approved by the Arkansas HBPA Board of Directors.
4. No coverage for self-inflicted injuries or acts of violence.
5. No coverage for any incidents involving alcohol or drugs.
MEDICAL:
The Arkansas HBPA provides an onsite medical facility with a physician and nurses two days a week. Prescriptions are delivered after clinic each day to the HBPA office.
DENTAL:
The Arkansas HBPA will pay for extractions of teeth and fillings. Special needs would have to be approved by the Arkansas HBPA Board of Directors.
Finger Lakes Local Benevolent Information
Finger Lakes, HBPA
BENEVOLENCE GUIDELINES
- $250 dental per yearr for groom/trainer/owner
- $100 eye care
- $1000 death benefit
Assistance cases are reviewed by the Board of Directors discretion
Indiana Local Benevolent Information
Indiana Horsemen’s Benevolent & Protective Association
2016 Benevolence Assistance
Rules and Guidelines
2016 Application
2016 Asistencia Benevola
Reglamentos y Pautas
2016 Solicitud
Iowa Local Benevolent Information
IOWA, HBPA
BENEVOLENCE GUIDELINES
The Iowa Division of the HBPA will honor legitimate claims for benevolence for trainers, grooms, hot walkers and immediate family limited to those claims that are approved the by the Benevolence Committee at a recognized race track in Iowa. Any claims should be reported to the HBPA office as soon as possible. No claim will be considered unless the proper forms have been completed. Once you leave the Iowa Division, you also leave any benevolence benefits from the Iowa HBPA.
Iowa benevolence has an $800.00 limit for health & accidents COMBINED. Once an individual reaches $800.00 for any reason, that’s the limit. There is also a $600.00 hardship benefit.
TRAINERS, FAMILY OF TRAINERS AND ASSISTANT TRAINERS:
• $800.00 limit for sickness
• $800.00 limit for accidents
• $600.00 limit on funerals
GROOMS AND OTHERS: (Except for freelance people)
• $800.00 limit for sickness
• $800.00 limit for accidents
• $600.00 limit for funerals
MATERNAL OR MISCARRIAGE:
Twenty-five percent (25%) of the bill up to $625.00. The first half of the bill must be paid before our payment will be issued. Limit on this type of claim is $625.00.
DENTAL:
• $750.00 limit
GLASSES:
• $100.00 coverage on eyeglasses
STOLEN TACK:
No claim of less than $75.00 will be considered. Maximum coverage up to $175.00. Tack must be locked up and a report made to the track security and the HBPA office immediately. This will be decided on a case to case basis at the discretion of the Benevolence Committee.
DISCLAIMER
The Iowa H.B.P.A., Inc. Benefit Trust is non-profit charitable organization that receives no government funding or public tax revenue. It is not an insurance company and does not assume responsibility for any incurred charge nor does it guarantee approval for any request for assistance. This handbook/website should not be construed as a policy and shall not be considered as an offer to extend assistance, benefits, coverage, or payment. This handbook/website is incomplete without this back cover/section. The Fund’s guidelines are changed at the sole discretion of the Fund and are modified, extended, altered, and revised from time to time without prior notice. Therefore, any information supplied in any form must not be construed or regarded as creating any express or implied right to the services, coverage, or benefits the Fund may offer. A copy of the Fund’s current guidelines can be obtained by a written request submitted to the Fund.
Kentucky Local Benevolent Information
KENTUCKY, HBPA
BENEVOLENCE GUIDELINES
DOCTOR AND HOSPITAL BENEFITS:
• Owners, trainers and stable employees to be considered for 100% of the total bill up to a maximum of $7,500.00 per calendar year. Immediate families of licensees to be considered for 50% of the total bill up to a maximum of $2,500.00 per calendar year.
BURIAL BENEFIT:
• $2,000.00 per licensee.
PRESCRIPTION DRUGS BENEFIT:
• $500.00 total per calendar year for licensee and family.
DENTAL BENEFIT:
• $200.00 total per calendar year for licensee and family.
EYEGLASSES BENEFIT:
• $100.00 total per calendar year for licensee and family.
CHIROPRACTIC BENEFIT
•$300 total per calendar year for licensee and family
ACCUPUNTURE BENEFIT
•$300 total per calendar year for licensee and family
EMERGENCY ASSISTANCE:
• To be considered on an as needed basis.
Stable employees must be licensed no less than thirty (30) days.
All requests over $1,000.00, excluding burial, must have board approval.
KENTUCKY RACING HEALTH & WELFARE FUND, INC.
DISCLAIMER
The Kentucky Racing Health and Welfare Fund is non-profit charitable organization that receives no government funding or public tax revenue. It is not an insurance company and does not assume responsibility for any incurred charge nor does it guarantee approval for any request for assistance. This handbook/website should not be construed as a policy and shall not be considered as an offer to extend assistance, benefits, coverage, or payment. This handbook/website is incomplete without this back cover/section. The Fund’s guidelines are changed at the sole discretion of the Fund and are modified, extended, altered, and revised from time to time without prior notice. Therefore, any information supplied in any form must not be construed or regarded as creating any express or implied right to the services, coverage, or benefits the Fund may offer. A copy of the Fund’s current guidelines can be obtained by a written request submitted to the Fund.
ELIGIBILITY:
The following licensees who can demonstrate need: owners, trainers, assistant trainer, stable employees, and other racing personnel on an individual basis, and their dependents, who are racing/working in Kentucky
BENEFITS:(staggered annual maximum benefits based on number of years consistently licensed and working in Kentucky from $7,000 for first year to $20,000 for six years and up)
• Medical Charges: Hospital, doctor, prescription, and ambulance (see above). Doctor visits may be subject to a copay up to $35. Prescription medications may be subject to $5 co-pay
• Pregnancy: Up to $8,000 normal vaginal delivery, complicated pregnancy considered as regular medical.
• Mental Health: Inpatient, outpatient, and prescription medication at varying benefit levels.
• Dental: Up to $1,000 (staggered annual maximum benefits based on number of years consistently licensed and working in Kentucky with limitations for teeth cleaning, root canal, crown and dentures and periodontal).
• Orthodontia: Up to 50% up to $2,000 every twenty-four months based on the number of years consecutively licensed in Kentucky.
• Periodontal: 50% up to $500 annually included as part of the dental benefit.
• Eyeglass and Contacts: Annual – One pair for licensee and three family members (various limits based on type of lenses.
• Chiropractic: $500 annual benefit with $10 co-pay per visit.
• Acupuncture: $1,000 annual benefit with $10 co-pay per visit.
• Mammogram, Pap smear and prostate screening: Once annually.
• Digital Hearing Aid: $2,000 each ear every thirty-six (36) months.
• Alcohol and Drug Related Charges: Referred to Kentucky Racing Drug and Alcohol Abuse Awareness Program.
• Funeral: Up to $5,000.
• Miscellaneous Benefits: Birth control, emergency cab fare, acupuncture, financial assistance for non-living related medical expenses not considered elsewhere, school physical examinations, smoking cessation, and well child care.
MAXIMUM ANNUAL BENEFIT: Available benefits based at staggered maximum in accordance with the number of consecutive years licensed and working in Kentucky. Maximum annual benefit for hospital charges is $7,000. Licensed assistant trainers, exercise riders, and stable employees must present a current W2 or Form 1099 issued by a Kentucky trainer who made 5 Kentucky starts to be eligible for full maximum benefits. Without a W2 or 1099 the maximum benefit is $7,000 for medical charges and $250 for dental.
A waiting period is enforced for some benefits during the first fifteen days of being licensed by the Kentucky Horse Racing Commission each year.
Benefits restricted until 30th day at:
Non-work related accident: $1,500
Illness (includes dental): $500
Non-emergency: -0-
For additional information contact:
Kentucky Racing Health and Welfare Fund
422 Heywood Avenue
Louisville, KY 40208
502-636-2900
www.kyracinghealth.org
Louisiana Local Benevolent Information
LOUISIANA, HBPA
Medical Benefit Guidelines
Medical Benefits are available for Owners, Trainers, and Owners/Trainers, who are licensed and in good standing with the Louisiana State Racing Commission (LSRC) and meet the Plan requirements.
Members must have (8) starts at Louisiana Race tracks in the calendar year prior to the date of the Medical Invoice. The Member must also not have a six month lapse between racing dates. The Members must complete an “Application for Benefits” in order to participate (application is available at each LAHBPA office and online at www.lahbpa.org).
Full-Time employees of eligible trainers can participate in the plan (60) Sixty Days after they are added to the trainer’s Worker’s Compensation employee list.
Owners, Trainers, and Owners/Trainers that are part of Partnerships, Corporations, or other multiple owner entities may qualify if they have the equivalence of the required starts. Contact the Medical staff at 504-945-1555 for more details.
Below is the Schedule of Benefits currently in effect.
LOUISIANA HORSEMEN’S MEDICAL BENEFIT TRUST
LA HBPA MEDICAL BENEFIT PLAN
SUPPLEMENT – EFFICTIVE 8/12/15
| 8 STARTS REQUIRED |
80% REIMB | MEMBER | EMPLOYEE | MEMBER SPOUSE |
EMPLOYEE SPOUSE |
MEMBER CHILD |
|---|---|---|---|---|---|---|
| Maximum Benefits |
18750 | 18750 | 18750 | 9375 | 5000 | |
| Ambulance | X | 950 | 950 | 950 | 950 | 0 |
| Chiropractic | 625 | 625 | 625 | 0 | 0 | |
| Dental | 5500 | 3125 | 5500 | 625 | 625 | |
| DME | X | 1000 | 1000 | 1000 | 0 | 0 |
| Emergency – Acc Injury | X | 625 | 625 | 625 | 475 | 200 |
| Hearing Aid | X | 1250/EA. | 1250/EA. | 1250/EA. | 0 | 0 |
| In-Hospital Anesthesia | X | 1250 | 1250 | 1250 | 625 | 375 |
| In-Hospital Facility | X | 4375 | 4375 | 4375 | 4375 | 3125 |
| In-Hospital Physician | X | 1875 | 1875 | 1875 | 1875 | 1875 |
| Maternity/Preventive Diagnostics | 500 Deductible | 2500 | 2500 | 2500 | 1875 | 0 |
| Miscellaneous | X | 950 | 950 | 950 | 0 | 0 |
| Optical | 625 | 325 | 625 | 200 | 200 | |
| Out-Patient Physician | X | 3125 | 2500 | 3125 | 950 | 575 |
| Out-Patient Surgery | ||||||
| Out-Patient Surgeon | X | 1875 | 1875 | 1875 | 950 | 575 |
| Out-Patient Facility | X | 1875 | 1875 | 1875 | 950 | 575 |
| Out-Patient Anesthesia | X | 625 | 625 | 625 | 625 | 625 |
| Prescriptions | X | 3750 | 3125 | 3750 | 950 | 250 |
| Death Benefit | 0 | 6250 | TBD | 6250 | TBD | 0 |
1535 Gentilly Blvd. ● New Orleans, LA 70119 ● Phone (504) 945-1555 ● Fax (504) 945-1579 ● 1-800-845-4272
Michigan Local Benevolent Information
MICHIGAN HORSEMEN’S BENEVOLENT AND PROTECTIVE
SOCIAL WELFARE TRUST
(PLEASE READ PRIOR TO MAKING A REQUEST)
Michigan HBPA, Gary Tinkle’s Contact number: (231) 206-4884
The Trust shall provide optical, medical, dental, and funeral burial benefits to individuals associated with the thoroughbred horse racing industry who are in financial need of this kind of assistance.
In order to be eligible for benefits from the Trust you must currently be licensed as an owner, trainer, spouse of owner/trainer, groom, hot walker or full-time employees on the Trainer’s list. Children/dependents are not covered by the Trust. A freelance or independent contractor exerciser rider is not eligible for benefits under this program. In addition, you must be in one or more of these classifications for at least 120 days to be eligible for benefits. Days worked in the prior year together with the current year will be considered in determining eligibility.
The following are the types of benefits you may be eligible for:
-
- Optical Program – Reimbursement for the cost of eyeglasses and contact lenses is available every other year but will not exceed over $150.00. An Optical form must be completed with an original receipt attached and returned for the Trustees approval.
- Dental Program – Dental program is available for only routine dentistry such as: cleaning, x-rays, and filling of cavities. A Dental form must be completed and signed by Owner/Trainer and approved by Trustees before a dentist appointment can be made. Any other non-routine types of dentistry will be your responsibility. Maximum available per year is $800.00
- Medical Program – For emergency use only. Medical expenses not covered by medical insurance or workers’ compensation insurance may be paid to the medical provider in amounts approved by the Trustees. A Medical form must be completed and returned for the Trustee approval. Maximum available per year $2,000.00
- Funeral Program – Funeral expense for the licensed person or the spouse of such person will be eligible. A Benevolence form must be completed and a copy of the death certificate must be attached and returned for the Trustees approval but will not exceed over $2,000.00. The benefit is not available for parents, grandparents, children, grandchildren, or any other relatives.
Since the resources for the described benefits are limited, the payment of medical expenses and funeral expenses must be based on financial need to the satisfaction of the Trustees.
Decisions as to whom should receive benefits from the Trust, and the amount and nature of the benefit to be received, shall be entirely within the discretion of the Trustees. Any disputes as to the eligibility, type, amount, time, or duration of benefits to which an individual is entitled, shall be resolved by the Trustee in accordance with rules and regulations established by Michigan Horsemen’s Benevolent and Protective Social Welfare Trust.Web Updated 2/17/2010
Minnesota Local Benevolent Information
MINNESOTA, HBPA
BENEVOLENCE GUIDELINES
ELIGIBILITY:
The following licensees and their dependents are eligible for assistance:
The following licensees and their dependents are eligible for assistance:
• Horse Trainers and their employees
• Exercise Riders and Pony Riders
To receive assistance applicants must:
• Be licensed by the Minnesota Racing Commission
• Be employed full-time on the back side at Canterbury
COVERAGES:
1. EMERGENCY/HOSPITAL
EMERGENCY: Emergency treatment is covered up to 100% for the first $500 and 80% on the remaining balance (up to a maximum of $1000) and a total limit of $1,500). Ambulance to be used in life-threatening instances only.
NON-EMERGENCY TREATMENT: All non-emergency treatment must receive prior authorization.
2. ROUTINE MEDICAL
CLINIC TREATMENT — Recommended & Preferred: St. Mary’s Health Clinic or CVS Minute Clinic. Pre-authorization needed for all medical treatment.
Urgent care or Emergency visit– Park Nicollet Clinic
FOLLOW UP APPOINTMENTS — Pre-authorization needed
REFERRALS AND SPECIAL TESTS — Pre-authorization needed
CHARGES AND PAYMENTS — HBPA maximum of $150 per visit maximum $500 per person per year, total medical assistance for both emergency and non-emergency treatment will not exceed $2,500 per year.
3. WORK RELATED INJURIES — Pre-authorization needed after first report of injury to medics or stable gate.
4. DENTAL SERVICES — On-site dental services offered weekly. Appointments are made in the HBPA office. For routine services such as exams, cleaning, x-rays and fillings the patient is responsible for a $25 co-payment per visit and a portion of lab fees. Co-pay due at time appointment is made.
5. CHIROPRACTIC SERVICES — Chiropractor on-site weekly by appointment with a $15 co-pay per visit. Maximum 5 visits per year.
6. OPTICAL SERVICES — Pre-authorization needed, HBPA will pay 80% of total, up to a maximum of $100.00.
7. PRESCRIPTIONS — Pre-approved Pharmacy – $10.00 co-pay and Minnesota Racing License required. MN HBPA will pay remaining balance up to $50.
8. FIRST AID ROOM — Only during live racing at Canterbury Park.
DISCLAIMER: Any foundation contribution towards medical assistance is subject to approval by benevolence committee.
Mountaineer Park Local Benevolent Information
MOUNTAINEER PARK
BENEVOLENCE GUIDELINES
ELIGIBILITY REQUIREMENTS TO PARTICIPATE:
To become eligible to apply for the Trust, participant must have been licensed for the previous five (5) months at Mountaineer and, if a trainer, must start at least three (3) times every three (3) months and a total of 16 starts per year. If you do not have 16 starts and you have been eligible and on the trust at for the previous 5 years you will need only 12 starts per year (3) times every (3) months. If you do not have 16 starts by the end of the year, you will not be eligible for the trust the next year until you have reached the 16 starts. (If you do not start any horses in the five (5) month waiting period you will not be eligible until you have three (3) starts.) If you are already covered as a groom, etc., and you get a trainers license or if you are covered as a trainer and get a groom, etc. license, you will be covered without the waiting period. To continue coverage, you must then start at least (3) times every (3) months and a total of 16 starts per year (unless you qualify under the (12) starts.).
Trainers must meet above requirement in order to qualify their employees. 75% of trainer’s starts must be at Mountaineer Park.
Number of grooms who will be covered under a trainer will be on a sliding scale. (1 groom per 16 starts, 2 grooms per 32 starts, etc.)
Assistant trainers and grooms must be visibly working at Mountaineer full time for a trainer that has 75% of his starts at Mountaineer or 16 starts per employee to be covered under the Trust
Participants are required to list the type(s) of license they hold (exercise rider, pony, groom/hot walker, assistant trainer) on your application. The number of hours you work at that job or jobs must be shown on your application. Seventy-five percent (75%) of your working hours must be on this job.
If any participant leaves to race or work at another racetrack/training center, or any employment, for 60 days or more and returns to Mountaineer, eligibility must be re-established. If you just leave the area for 60 days or more and you do not work elsewhere, you will receive no benefits after 60 days until you return to Mountaineer and reach the required number of starts. If a Trainer is eligible by starts his employees are eligible.
Participants, other than trainer, must show proof of employment(A notarized affidavit of employment and notarized affidavit of earnings must be signed by the trainer and updated every three (3) months. You must present a copy of 1099, W-2 or tax return for previous year.)
A non paid spouse that is working as a WV licensed horsemen with thoroughbreds 75% of their working time for an eligible spouse and is not employed anywhere else and meets all other eligibility
requirements is eligible for the Trust. Eligibility is subject to verification by the Trust Board.
ELIBIBLE LICENSEES:
Trainer, assistant trainer, groom/hot walker, pony person & exercise rider.
Anyone who exercises horses must have an exercise rider license.
OWNERS ARE NOT ELIGIBLE FOR THE TRUST
LIMITS OF COVERAGE:
TOTAL BENEFIT PER YEAR IS $4,000.00. Effective 1.1.10 there will be no carryover from the previous year. After becoming eligible, your benefits will be prorated beginning in the month you became eligible.
TOTAL BENEFIT PER EACH CHILD OF APPLICANT IS$1000.00. Effective 1.1.10 there will be no carryover from the previous year. (Can be used only for actual child medical/dental expenses; not parents medical insurance) Applications for the CHIPS program are available in the Trust office
Regardless of age full time college students are only eligible for $1,000 in benefits.
Dental: $1,500.00 (within the $4,000.00 total)
Prescription Glasses: $ 300.00 (within the $4,000.00 total)
Chiropractic $ 750.00 (within the $4,000.00 total)
The following changes will be effective 1.1.10:
No carryover from the previous year.
You must pay $ 10.00 co-pay to Doctors and Dentist for each visit.
You must pay $ 10.00 co-pay for each prescription.Prescription medication will be monitored for abuse and may be limited.
You must pay $ 50.00 co-pay for each emergency room visit to Hospital Emergency Room.
You must pay $ 20.00 co-pay for each Chiropractic visit.
No elective dental cosmetic surgery will be covered with the exception of braces and dentures. No dental will be covered under medical. Total dental coverage is $1500 per year out of your $4000.
FORT DEARBORN LIFE INSURANCE:
Life insurance is available to Eligible Licensees. It is your responsibility to apply for this policy.
Applications are available in the trust office. The cost is deducted from your $4,000.00 per year.
Nebraska Local Benevolent Information
NEBRASKA, HBPA
BENEVOLENCE GUIDELINES
The Nebraska Division of the Horsemen’s Benevolent & Protective Association, Inc. Employee Benefit Trust Fund will honor legitimate claims regarding benevolence for trainers limited to those claims that arise while actively engaged at said occupation at a recognized racetrack in the Nebraska Division and for licensed stable employees of members while at racetracks in Nebraska. Also, our division will honor legitimate claims for benevolence for owners only if accompanied by a completed destitute form as provided by the National HBPA showing a poverty status. There will be a six-month time limit on any type of claim. Any claims should be reported to the HBPA Office as soon as possible. Once you leave the Nebraska division, you also leave any benevolence benefits from the division. It is an HBPA policy that these benefits are offered one time annually.
TRAINERS & THEIR IMMEDIATE FAMILIES:
| $2000.00/annually | limit for sickness, maternal, miscarriage or accident (to include any prescriptions) |
| $2000.00/annually | limit for funerals |
| $2000.00/annually | limit for dental |
| $ 200.00/annually | limit for optical |
GROOMS, ASSISTANT TRAINERS & OTHERS:
| $2000.00/annually | limit for sickness, maternal or miscarriage (to include any prescriptions) |
| $2000.00/annually | limit for funerals |
| $2000.00/annually | limit for “routine dental” |
| $ 200.00/annually | limit for optical |
DRUG/ALCOHOL REHABILITATION:—(the above guidelines will still pertain with these stipulations)
- The individual must have 5 years steady employment on the racetrack;
- They must be rehabilitated in Nebraska or while the trainer is racing in Nebraska;
- Rehabilitation must be taken during the “live racing” season in Nebraska;
- This type of assistance will be a one time situation only; and
- In the result of a unique situation, a 3 man committee may be appointed to review the Request for benevolence and decide on the outcome.
STOLEN TACK:
No claim of less than $75.00 will be considered. Maximum coverage up to $350.00. Tack must be locked up and a report made to the Track Security and the HBPA Office immediately. We also recommend that a police report be filed when requesting this type of assistance. This benevolence will only be valid during the live racing season in Nebraska.
ADDITIONAL GUIDELINES
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- The benevolence committee has the final say when determining if the request for assistance on any bill is within order.
- The benevolence program offered by the Nebraska division of the HBPA, Inc. Employee Benefit Trust Fund is designed to subsidize, not replace health insurance.
- Dentistry and related oral surgery claims will be limited to the maximum amount of $2000.00.
- Drug/Alcohol rehabilitation and medical claims are to be treated separately.
- Hearing aids and testing will be processed as a medical claim.
- Any prescription cost will be processed as a medical claim.
- Anyone leaving his or her profession that entitles them to the benevolence of the NE HBPA, Inc. Employee Benefit Trust Fund will also leave their benevolence.
- Any racetrack in Nebraska where workmen’s compensation is compulsory, the HBPA will delete all workmen’s compensation claims. In a questionable area, workmen’s compensation claims can be paid up to the limit of our guidelines after a majority vote of a three-member committee. Any groom with proof of employment can be eligible for benevolence benefits that is NOT job related but can be paid for an illness.
- The Secretary/Treasurer is authorized to request proof of employment if necessary.
- Counseling other than drug/alcohol will be combined as a medical expense for one year.
- Any employee of a member can be accepted for benevolence by the Nebraska HBPA, Inc., Employee Benefit Trust Fund provided that the employee can prove that his/her employer submits a quarterly tax report (both federal & state) verifying that he/she was an employee, regardless of a signed affidavit submitted to the racetracks.
- The Nebraska HBPA, Inc., Employee Benefit Trust Fund will discontinue disbursing benevolence benefits during their off season. This will include any bills that are incurred (the actual dates of service) from the last day of the racing season in Nebraska until the first day that racing resumes in Nebraska (except as otherwise noted). Any participant with a condition that cannot be taken care of during the live racing season can file a form with the HBPA Secretary before the live racing season in Nebraska ends.
- Maternity and medical benevolence will be treated as one.
- No benevolence benefits will be distributed to anyone that is not actively participating at the live race meet that is operating at the time that the services were performed. In the case of a “gray area”, a three-man committee can handle it.
- Any individual who ships in for a single race will be excluded from the Nebraska HBPA Employee Trust Fund Benevolence Program unless they received an injury or illness while here at the Nebraska racetrack.
- Regarding licensed trainers who are also exercising or ponying horses: they will be eligible for benefits in the case of an accident. However, these benefits will be considered “medical benefits” and cannot exceed the maximum of $2000.00 annually.
- With regards to stables racing at more than one track at the same time—the NE HBPA Employee Benefit Trust Fund will count the number of starts at each track where the trainer is running at the same time as a Nebraska track and pay the percentage of starts in Nebraska. Grooms will be paid on the basis of where they tend the horses.
- With regards to children living at home being eligible for benefits from their parent(s); the NE HBPA Employee Benefit Trust Fund will allow benevolence benefits to children of eligible trainers up to the age of 19. They will continue to be eligible from the age of 19 to 21 providing they are still living at home and also that they have proof of being a full time student enrolled in college.
- Beginning January 1st, 2000 and each year hereafter, benevolence benefits can be considered for a participant providing;
- Current bill only (no bills prior to January 1st to be considered)
- They are actively engaged in training or employed at a stable located at Fonner Park (or whatever racetrack in Nebraska opens first)
- Benevolence cannot be submitted until horses are registered with the racing office and the HBPA Office is open at the track.
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In the case of a gray area or immediate need a three-person committee with a majority vote can expedite the claim.
Ohio Local Benevolent Information
OHIO, HBPA
BENEVOLENCE GUIDELINES
PURPOSE:
Ohio – HBPA, as a part of its benevolent program, has created a special fund to aid trainers, dependents of trainers and backstretch personnel in providing personal financial assistance. All benefits shall be paid solely at the discretion of the HBPA Board after considering all relevant facts. Trainers, their dependents, and employees of trainers may also qualify for dental, medical and vision care assistance through the Thoroughbred Horsemen’s Health Fund (THHF). THHF is a separate, but affiliated, organization of the Ohio HBPA.
ELIGIBILITY REQUIREMENTS:
HBPA Personal Financial Assistance
• Must be a licensed thoroughbred trainer, dependent of a licensed trainer or a full time employee for a licensed trainer on the grounds of an Ohio race track.
• Employees on farms and free-lance personnel are not eligible.
• Any exception or special circumstances may be considered by the HBPA Board of Directors.
• Personal Financial Assistance is paid to creditors/vendors
Thoroughbred Horsemen’s Health Fund
• Must be a licensed thoroughbred trainer, dependent of a licensed trainer or a full time employee for a licensed trainer on the grounds of an Ohio race track.
• Trainers must have 60% of their starts in Ohio and grooms must be full time.
• With certain caps, THHF will provide financial assistance in the payment of dental, medical and vision care services.
REQUESTS FOR BENEFITS:
All requests for benefits must be made on forms available in the Business Office HBPA or at the HBPA Field Office at each track. The forms must be completed fully and accurately. The trainer on whose badge list the groom is recorded must verify the request and sign all request forms.
LIMITS ON BENEFITS (THHF):
Individuals are limited to $1,000 lifetime assistance through HBPA Personal Financial Assistance unless approved by the HBPA Board of Directors. There are limits for dental, medical and vision care assistance through THHF. Individuals are urged to contact one of the HBPA offices for a brochure on THHF benefits or to call Hilda Cuningham at (614) 875-1269.
ITEMS NOT COVERED:
• Illness or injury covered by insurance, Medicare, Medicaid or Workers Compensation.
• Routine physical examinations.
• Self-inflicted illness or injury.
• Treatment of alcoholism, drug addiction or psychological problems.
• Individuals not working at an Ohio track or working out of state.
• Abortions, laser eye surgery and cosmetic procedures.
Oklahoma Local Benevolent Information
OKLAHOMA, HBPA
BENEVOLENCE GUIDELINES
These guidelines have been established to outline the benevolence benefits funded by the TRUST division of the Oklahoma HBPA d/b/a Thoroughbred Racing Association of Oklahoma. This is a guideline of eligibility and benefits and requirements for this benevolence program. This guideline is as accurate as possible; this guideline is not the final disposition.
FACTS:
This is NOT an insurance program. It is an Owner funded assistance program.
This program is NOT intended as a SUBSTITUTE for private insurance. All TRAO members are urged to carry insurance from a provider in case of catastrophic illness.
The TRAO Benevolence Trust Committee has the FINAL determination of ALL claims filed.
ELIGIBILITY:
TRAO Members (Owners, Trainers that meet the start requirement).
TRAO Members Employees’ (Full-Time employees’ include the following; Assistant Trainers, Exercise Personnel, Foreman, Grooms, Hotwalkers. (Full-Time employees’ must be continuously employed by the TRAO member trainer for no less that (30) consecutive days) (TRAO Benevolence Committee has the right to inspect payroll verification to insure that employment guidelines have properly been met).
- To become eligible for benevolence assistance during the current calendar year, the TRAO member must have a minimum of (10) starts from the previous calendar year or a minimum of (5) starts in the current calendar year.
Free lance Exercise Personnel and Pony Personnel are NOT eligible for benevolence assistance.
ALL requesting benevolence assistance MUST fill out a benefits request form and provide OHRC license. Benevolence benefits will be denied until these steps have been completed. All TRAO members’ employees’ requesting benevolence assistance must have their employer (Trainer – Assistant Trainer) sign the benevolence request prior to the issue of benevolence assistance.
Owner, Trainer and Assistant Trainers dependents under the age of 18 are eligible:
BENEFIT LEVELS
MEDICAL $2,500 PER CALENDAR YEAR (INCLUDES RX)
DENTAL $1,000 PER CALENDAR YEAR (ALL DENTAL WORK)
VISION $250 PER CALENDAR YEAR
EMERGENCY APPROVED ON INDIVIDUAL CASE BASIS
DEATH APPROVED ON INDIVIDUAL CASE BASIS
MAXIMUM FAMILY BENEFIT PER CALENDAR YEAR IS $4,500
When using the TRAO’s Providers for medical, dental or optical visits, members will not have an out of pocket expense until the maximum benefit assistance level is met.
After the benevolence maximum is exhausted the TRAO member or the TRAO Member’s employee is solely responsible for the remaining balance. If you meet your maximum benefit and have a remaining balance with a TRAO Provider, you will NOT be able to use the TRAO provider until your balance is paid in full.
If you use the service(s) of your own private medical, dental or optical provider, you must submit original receipt(s) for re-imbursement.
When submitting re-imbursement for prescriptions, the original paid receipt must accompany the request, in addition to the prescription stub that provides a description of the medication’s intended use.
TRAO will supply copies to the benevolence requester of the original receipt if requested.
NOT ELIGIBLE FOR BENEVOLENCE ASSISTANCE:
INJURY/ILLNESS DERIVED FROM AN EMPLOYMENT SITUATION (ANYTHING ASSOCIATED WITH A WORK RELATED INJURY) (INCLUDES RX)
DRUG/ALCOHOL/SUBSTANCE ABUSE (INCLUDES RX)
COSMETIC SURGERY (INCLUDES RX)
SEXUAL ENHANCEMNT (INCLUDES RX)
Please contact the TRAO office with any questions.
Thoroughbred Racing Association of Oklahoma
ATTN: Heather Lawson
1 Remington Place
Oklahoma City, OK 73111
405-427-8753
Oregon Local Benevolent Information
OREGON, HBPA BENEFITS PROGRAMS
DISCLAIMER
The Oregon Horsemen’s Benevolent Protective Association is a non-profit benevolent organization that receives no government funding or public tax revenue. It is not an insurance company and does not assume responsibility for any incurred charges nor does it guarantee approval for any request for assistance. The guidelines are changed at the sole discretion of the Board of Directors and may be modified, extended, altered and revised from time to time without prior notice. Therefore, any information supplied in any form must not be construed or regarded as creating any express or implied right to the services, coverage, or benefits the Organization may offer.
The Oregon H.B.P.A. Benefits program is not intended to be a substitute for private health and medical insurance
The Oregon H.B.P.A. Benevolence Program is designed to assist eligible members; their spouse, children and legal dependents, as well as Asst. Trainers and Grooms who are employed full time for members. All possible insurance coverage must be fully utilized before the Oregon H.B.P.A. will consider any benevolence request. The Oregon H.B.P.A. will make payments directly to approved health care providers only. THERE ARE NO EXCEPTIONS.
ELIGIBILITY REQUIREMENTS FOR H.B.P.A. BENEFITS
LICENSED OWNERS, their spouse, minor dependent children up to age 18 years old and children attending school full time up to age 23 years old and meet the horse ownership requirements described below.
SINGLE OWNERSHIP
To be eligible, licensed owners must own the equivalent of 100% of a thoroughbred horse and must start said horse at least three times during the preceding 365 days just prior to the Benevolence request at an Oregon H.B.P.A. represented track. (An H.B.P.A. Track is one which has a current and valid contract with the Oregon H.B.P.A.)
MULTIPLE OWNERSHIP
To be eligible, owners with less than the equivalent of 100% of a horse will not be eligible for benefits unless the horse in which that person has part ownership has started at least three times at an Oregon H.B.P.A. represented race track for each of the owners. For example, a horse owned by two people would have to start six times for those two people to be eligible. A horse with three owners would have to start nine times, etc.
LICENSED TRAINERS, their spouse, minor dependent children up to age 18 years old and children attending school full time up to age 23 years old and meet the qualification requirements described below.
To be eligible, the trainer must have started at least 3 times during the preceding 365 days prior to the request at an Oregon H.B.P.A. represented track. (An H.B.P.A. Track is one which has a current and valid contract with the Oregon H.B.P.A.)
LICENSED ASSISTANT TRAINERS or GROOMS, their spouse, minor dependent children up to age 18 years old and children attending school full time up to the age 23years old and meet the qualifications described below.
To be eligible, Assistant Trainers and Grooms must work full time at their licensed trade for an eligible Owner or Trainer prior to the Benevolence request at an Oregon H.B.P.A. represented track. (An H.B.P.A. Track is one which has a current and valid contract with the Oregon H.B.P.A.) An affidavit of employment for the current meet shall be required to be on file at the Oregon H.B.P.A. Office.
Revision of eligibility requirements for benefits voted and passed on August 7th, 2012 Board Meeting.
BENEFIT PROGRAMS
VISION CARE
The Oregon HBPA will pay up to a total of two hundred dollars ($200.00) every other year beginning
June 1, 2015 for exams, glasses or contacts for eligible members, please see eligibility requirements.
Authorization for Vision Care must be obtained in advance.
We are able to reimburse a member when they bring in a paid receipt for vision services after they have received authorization for the benefit.
Contact the Oregon HBPA office if there are any questions.
DENTAL CARE
For eligible members, their spouse, children and legal dependents, as well as Asst. Trainers and Grooms who are employed full time for members, who do not have dental insurance the Oregon H. B. P. A. will pay the first two hundred dollars ($200.00) of the approved dental bill at the rate of 100%. After that, the Oregon H. B. P. A. will pay 50% of the remainder up to an additional five hundred fifty dollars ($550.00) for a total benefit of seven hundred fifty dollars ($750.00) per year. The individual patient will be responsible for any remaining charges.
For eligible members, their spouse, children, and legal dependents, as well as Asst. Trainers and Grooms who are employed full time for members, with dental insurance, the insurance benefit must be fully utilized before Oregon H. B. P. A. will pay any charges. Oregon H. B. P. A. will pay 50% of the remaining charges up to a total of seven hundred fifty dollars ($750.00).
You may attend the dentist of your choice. Please check with the Oregon H. B. P. A. office before scheduling any dental work to check on your eligibility. Payment for dental care will only be made directly to the care provider. Under no circumstances will the eligible member be reimbursed. THERE WILL BE NO EXCEPTIONS!
Contact the office of the Oregon H.B.P.A. for further information or help.
BENEVOLENT ASSISTANCE
In case of extreme hardship, assistance for eligible members, their spouse, children and legal dependents, as well as Asst. Trainers and Grooms who are employed full time for members, may be requested through the office of the Oregon H.B.P.A. for reasons other than those listed above. Meal tickets for the Track Kitchen, as well as other forms of assistance are available. The eligibility rules apply to all forms of assistance. Please contact the office of the Oregon H.B.P.A. for further information or help.
SCHOLARSHIP PROGRAM
There are scholarship funds available for eligible members, their spouse, their children and legal dependents, as well as Asst. Trainers and Grooms who are employed full time for members. Contact the office of the O.H.B.P.A. for application forms and requirements. First year applicants may receive up to a five hundred-dollar ($500.00) scholarship. A second year applicant may apply for scholarship funds not to exceed one thousand dollars ($1,000.00). A third year applicant may apply for scholarship funds not to exceed fifteen hundred dollars ($1,500.00). A fourth year applicant may apply for scholarship funds not to exceed two thousand dollars ($2,000.00) and a fifth year applicant may apply for scholarship funds up to twenty-five hundred dollars ($2,500.00). Under no circumstances will the student be reimbursed. All funds must be paid to the school of choice. THERE WILL BE NO EXCEPTIONS!
HORSEMEN’S JOURNAL
Currently licensed Owners & Trainers, eligible for these “Benefit Programs” are entitled to receive regular published issues of the “Horsemen’s Journal” (National HBPA publication) Only one magazine will be mailed to a household.
MEDICAL ASSISTANCE
Some medical assistance may be available for eligible members, their spouse, their children and legal dependents, as well as Asst. Trainers and Grooms who are employed full time for members and not covered by employer supplemented or group health plans. Payments will only be made directly to the Care Provider. Under no circumstances will the horsemen be reimbursed. There will be NO EXCEPTIONS!
Pennsylvania Local Benevolent Information
PENNSYLVANIA, HBPA
BENEVOLENCE GUIDELINES
| MEDICAL BENEFITS . . . . . effective 1/1/15 No Deductible Upon presentation of a bill or receipt, and upon approval by the Benevolent Committee, 90% of the hospital and/or hospital related doctor bills will be paid by the HBPA Health Plan. The plan has a yearly limit of $10,000. |
This plan is for each member and his/her dependents and each employee and his/her dependents per calendar year.
DENTAL BENEFITS . . . . . effective 1/1/15
No Deductible
Upon presentation of a bill or receipt, and upon approval by the Benevolent Committee, the HBPA will pay dental services with a yearly limit of $1,500.
This plan is for each member and his/her dependents and each employee and his/her dependents per calendar year.
VISION BENEFITS: . . . . . effective 1/1/15
No Deductible
Upon presentation of a bill or receipt, and upon approval by the Benevolent Committee, the HBPA will pay vision services with a yearly limit of $750.
This plan is for each member and his/her dependents and each employee and his/her dependents per calendar year.
CHIROPRACTIC BENEFITS: . . . . . effective 1/1/15
No Deductible
Upon presentation of a bill or receipt, and upon approval by the Benevolent Committee, the HBPA will pay chiropractic services with a yearly limit of $1,000.
This plan is for each member and his/her dependents and each employee and his/her dependents per calendar year.
PRESCRIPTION BENEFITS: . . . . . effective 1/1/15
No Deductible
Upon presentation of a bill or receipt, and upon approval by the Benevolent Committee, the HBPA will pay prescription benefits with a yearly limit of $500. Prescriptions much total greater than $15.00 to be reimbursed.
This plan is for each member and his/her dependents and each employee and his/her dependents per calendar year.
Texas Local Benevolent Information
TEXAS, HBPA
Application Guidelines
(revised 1/15/06)
The Texas Horsemen’s Assistance Fund, Inc. (THAFI) was established to provide financial assistance to qualified horsemen who actively participate in race meets in Texas.
THAFI will review legitimate requests regarding assistance for trainers, assistant trainers, backstretch personnel (grooms/stable foreman) and the immediate families of such persons that are deemed indigent and in true need of financial assistance. An indigent person is defined as a person who cannot reasonably expect to pay his or her most basic living expenses and falls far below the national poverty level as established by the U.S. Federal government. Normally, an indigent person has no home, no vehicle and for whom basic day to day expenses are beyond his or her ability to pay. This assistance does not apply to owners, owner/trainers, owner/assistant trainers, jockeys, exercise riders, pony persons, veterinarians, farriers or any other self-employed persons at a racetrack. If an exercise rider works solely for one trainer (employer) and that trainer is willing to sign and notarize an Affidavit swearing to the fact of his/her employment & income, then assistance will be considered.
Applications for assistance should be completed in full prior to obtaining any type of assistance or as soon as applicant receives his/her first medical bill for which they need financial assistance, with the exception of unforeseen emergency situations. The application has a 90-day limit of which services can be obtained. If services are not obtained within the 90-day period then another application will need to be processed. The 90-day limit begins on either the date of application or date of first medical bill received, whichever occurs first. Each person requesting assistance shall be required to sign an affidavit proclaiming that without this assistance, the submitted medical, dental, or vision bill could not be paid. Financial circumstances of the applicant will be considered at the time of committee review.
SECTION I – ELIGIBILITY
To be eligible, a person must first demonstrate financial need. All assistance provided will be paid solely on the basis of financial need. Such need can be demonstrated by various means, but eligible persons must provide such evidence of need either by the statement of income to debt or by other means as requested by THAFI.
Trainers, assistant trainers, persons employed on the backstretch (grooms/stable foremen) and their immediate families, who are deemed indigent, are eligible to apply for assistance. Any indigent person normally found working for an actively participating trainer on the backstretch of a racetrack and/or a trainer who actively participates in a Texas race meet may apply for assistance from THAFI with the exception of those named above.
SECTION II – ALLOWABLE EXPENSES
There is a $2,500 annual limit with a maximum of $5,000 in any three year period for illness or accident incurred by eligible persons who are not covered by health insurance or worker’s compensation insurance.
The $2,500 annual limit shall fund up to a $500 maximum on dental expenses (unless accident related) and up to $200 for glasses/contact lenses/eye exam. There is a $500 annual maximum for vision correction as a result of an accident. Eye conditions that are not accident related but are medical necessary to restore normal sight will fall under the annual $2,500 limit.
Mental Health/Substance Abuse will be covered under medical services. Inpatient treatment of MH/SA will be covered on a case-by-case basis.
The $2,500 annual assistance may be used for the funeral expense of an eligible person and/or a member of their immediate family. All allowable funeral payments shall be made to the funeral home providing the service. Outstanding medical bills of the deceased may be eligible for payment. A copy of the Death Certificate will need to be provided to obtain assistance.
Other assistance may be considered in the event of fire or other disaster. This provision will be considered on a case-by-case basis with a $2,500 annual limit.
ADDITIONAL GUIDELINES
The THAFI Fund Administrator will make final determination regarding validity of submitted bills or assistance requests. The Plan Administrator is authorized to request proof of employment, length of employment or Texas Racing Commission licensing.
Hearing aids shall be processed as a medical procedure.
No assistance shall be provided for reconstructive or cosmetic surgery unless it is necessary due to the result of an accident or major medical condition.
NO PAYMENTS WILL BE MADE TO THE APPLICANT. ALL APPROVED PAYMENTS WILL BE MADE DIRECTLY TO THE PROVIDER OF THE SERVICE. THE ONLY EXCEPTION TO THIS POLICY IS FOR PAYMENT FOR DISASTER RELIEF.
THAFI SHALL NOT BE LIABLE FOR ANY CLAIMS AGAINST MEDICAL PERSONNEL OR FACILITIES AS A RESULT OF PAYMENT OF APPLICANTS EXPENSES.
THAFI SHALL NOT BE RESPONSIBLE FOR OR BE HELD LIABLE FOR ANY EXPENSES INCURRED WHICH ARE OVER AND ABOVE THE PAYMENT LIMITS OR THAT ARE INCURRED BY A PERSON WHO HAS NOT BEEN APPROVED FOR ASSISTANCE BY THAFI.
A PERSON WHO INCURRES CHARGES OVER AND ABOVE THE APPROVED ALLOWABLE EXPENSE MUST MAKE AND MEET SATISFACTORY ARRANGEMENTS WITH THE SERVICE PROVIDER OR MAY BE DISQUALIFIED FROM THE THAFI PROGRAM UNTIL SUCH ARRANGEMENTS HAVE BEEN MET.
PRIVATE INURMENT SHALL NOT BE ALLOWED; THEREFORE, OWNERS AND OWNER/TRAINERS ARE NOT ELIGIBLE FOR ASSISTANCE FROM THAFI.
ANY MISUSE OR ABUSE OF THE THAFI PROGRAM WILL NOT BE TOLERATED AND WILL LEAD TO POSSIBLE EXPLUSION FROM FURTHER THAFI ASSISTANCE.
THAFI GUIDE LINES ARE CHANGED AT THE SOLE DISCRETION OF THE FUND AND ARE MODIFIED, EXTENDED, ALTERED, AND REVISED FROM TIME TO TIME WITHOUT PRIOR NOTICE.
THAFI IS HIPAA COMPLIANT. NOTICE OF PRIVACY PRACTICES MAY BE PICKED UP AT ANY TRACK OFFICE OR AT THAFI HEADQUARTERS IN AUSTIN, TX.
Each application shall be reviewed on an individual basis and the Fund Administrator shall make the final determination of eligibility. Any questions or concerns regarding the Fund shall be addressed to: Marsha Rountree at (512) 657-9799 or mrountree@texashorsemen.com.
Washington Local Benevolent Information
WASHINGTON, HBPA
BENEVOLENCE GUIDELINES
ELIGIBILITY REQUIREMENTS
OWNERS
To be eligible, licensed owners must own the equivalent of 100% of a horse and have at least 3 starts in the previous or current calendar year at a WHBPA represented racetrack and be licensed for the current year. A husband and wife that each own 50% of a horse are not eligible for assistance. Owning 50% of two horses that each start 3 times in the calendar year would satisfy the criteria for receiving assistance. An Application for Trust Benefits for the current year must be on file at the WHBPA office.
Dependents of owners are not eligible for assistance
Transfer of ownership for the purpose of eligibility will not be tolerated
TRAINERS & their dependents not covered by any employer supplemented or group health insurance
To be eligible, trainers must have started at least 3 times in the previous or current calendar year at a WHBPA represented racetrack and be licensed for the current year. An Application for Trust Benefits for the current year must be on file at the WHBPA office.
Dependent is defined as children 18 and younger who are attending school and spouses that are not covered by any employer supplemented or group health insurance plan.
GROOMS, ASSISTANT TRAINERS & their dependents that are not covered by any employer supplemented or group health insurance plan
To be eligible, employees of licensed trainers must WORK FULL-TIME at their licensed trade and perform the majority of their duties at a WHBPA represented racetrack. An Application for Trust Benefits for current meeting must be on file at the WHBPA office.
EXERCISE RIDERS, PONY PERSONS & their dependents that are not covered by any employer supplemented or group health insurance plan
To be eligible, licensed exercise riders and pony persons mustWORK FULL-TIME at, derive the majority of their income from, and perform the majority of their licensed trade at a WHBPA represented racetrack. An Application for Trust Benefits for the current meeting must be on file at the WHBPA office.
DENTAL COVERAGE
Dental care is provided in WHBPA dental trailer only. Any dental care obtained other than in WHBPA dental trailer, is the financial responsibility of the patient.
OWNERS, TRAINERS, ASST TRAINERS, EXERCISE & PONY RIDERS MUST PAY ALL DENTAL LAB FEES – LAB FEES ARE PAYABLE BEFORE COMPLETION OF DENTAL WORK.
Any person licensed in part or solely as an Owner, Trainer, Asst. Trainer, Exercise or Pony Rider must pay all dental lab fees incurred for themselves and all eligible dependents.
A groom that owns any part of a horse or is dual licensed would be required to pay all dental lab fees for him / herself and family.
ALL PARTICIPANTS
• Missed appointment fee-$20 per hour
• Twenty-four (24) hour notification is required for change or cancellation of appointments.
• Missed appointment fees must be paid before the next appointment will be scheduled.
• Two (2) missed appointments will result in loss of eligibility for the balance of the year.
VISION CARE COVERAGE
EYE EXAM ————— 80% not to exceed ——$ 35
LIMITATIONS
• Coverage provided once every two (2) years.
• Authorization forms must be attained in advance from the WHBPA & submitted with bills for payment by provider. (IRS does not allow reimbursement to members directly.)
• Services must be performed before the expiration date.
• Coverage applies only to after insurance amounts.
MEDICAL / BURIAL ASSISTANCE
The Trust does not have a Medical Program and is not an Insurance Company. In some circumstances, assistance is available for Trainers and their employees (Grooms and Assistant Trainers). All applications for assistance will be considered by the Board of Trustees on an individual and financial need basis. Applications for medical or burial assistance may be obtained from the WHBPA office. Any assistance must be paid directly to providers under IRS regulations. Reimbursement is not allowed. Total income must be derived from backstretch employment. Burial is limited to $1000.
DISCLAIMER: The Washington HBPA and the WHBPA Benefit Trust are non-profit charitable organizations that receive no government funding or public tax revenue. They are not an insurance company and do not assume responsibility for any incurred charges nor guarantee approval for any request for assistance. This policy shall not be considered as an offer to extend assistance, benefits, coverage, payment or medical advice. Policy may be revised from time to time without prior notice. Current guidelines may be obtained by written request submitted to the WHBPA.
National HBPA Owners & Trainers Liability Program
WHAT IS IT?
A program to protect your assets in case of an injury or damage to property arising from your equine activities (breeding, racing, sales, training). This is not a substitute for workers’ compensation coverage.
WHAT DOES IT COVER?
• Liability claims arising from injuries to participants (non-employee jockeys and exercise riders)
• Contractual liability (i.e. hold harmless in Race Track Stall Agreements)
• Premises and Operations liability coverage for all equine operations including breeding, boarding, training, and racing
HOW MUCH DOES IT COVER?
Each member additional insured has their own $1,000,000 coverage for each occurrence or offense and $2,000,000 general aggregate. Damage to premises rented to you or occupied by you with the permission of the owner is provided with a limit of $50,000. Medical payments coverage applies as well in the amount of $5,000 per person.
COST: $90 PER HORSE / $180 MINIMUM PREMIUM
Please visit the Sterling Thompson Equine webpage for the application. You must include ALL owned or trained horses in your calculation unless approved otherwise by Sterling Thompson Equine. For more information, please contact Logan at Sterling Thompson Equine at 502.585.3277.
Fire, Disaster, and Vanning Insurance
This policy is an important benefit provided exclusively for current HBPA members. Please refer to the policy for coverage details.
HIPAA Do’s and Don’ts
DO
- Attend HIPAA educational conferences and seminars to learn about your state’s additional requirements and new Federal developments. Appoint and train a Privacy Officer for your office. Have that person train the rest of your staff.
- Make sure that the Privacy Officer creates and maintains a HIPAA activity log for your office. This is good in the event of a boo-boo and is an excellent CYA procedure.
- Provide information to those who a client has given you written permission to communicate about his/her request.
- Do keep your file cabinets locked and out of access of non-essential personnel.
- Try to provide a secluded area where a client can comfortably discuss their confidential health matter with you.
- Do have all of your contract professionals who have access to your office or sensitive information (cleaning people, bookkeepers, accountants, attorneys) sign a business associate contract.
- Do have all of your Board members and Benevolence Committee members sign an agreement that they understand about client confidentiality.
- Prepare and use a Privacy Notice to be given to each client who requests benevolence and make a record of each client you give it to.
- Prepare and use an “Authorization for Use and Disclosure of Health Information” to be signed by each person who requests benevolence.
- Remember that there are many levels of HIPAA compliance (from hospitals to charitable benevolence programs) and at times you may need to conform to higher levels of compliance when dealing with various agencies and health providers.
DON’T
- Ever sell personal o health related information about an individual to a third person.
- Talk to anyone about a client’s health matter for which the client has not signed a release giving you permission to talk. This includes trainers, stable employees, friends, family members and track security. If an unauthorized individual requests information from you respond professionally, such as: “You know Joe I would love to talk to you about this, but I can’t until I get Jane to sign a release so that I can talk to you. Why don’t you have her come into my office and sign one that gives me her permission to talk to you?”
- Don’t announce that a person has a health related appointment over the track loud speakers system. You can make a general announcement for an individual to report to your office.
- Be worried about a violation if a third party overhears you talking about someone’s health matter in the normal course of business (i.e. phone conversations with a medical provider). But be aware of who may be listening to you when you are talking about someone’s confidential health information just as you were talking about your own.
- Leave case files open on your desk if non-essential personnel have access to your work area.
- Leave your fax machine or computer unsecured if you use these machines to conduct business about an individual’s health matters.
- Don’t discuss requests for benevolence at open board meetings at which there are guests who are not Board Members or Benevolence Committee members.
- Don’t allow board members or committee members to leave a meeting with written material about individual requests for benevolence.
- Overlook the fact that HIPAA guidelines also apply to your EAP, drug and alcohol rehabilitation, counseling and referral programs.
- Be frightened by HIPAA, its mostly common sense. But don’t ignore it either, unless you like fines, jail time, and not being able to do business with other professionals.
Visit www.benefits.gov for more HIPAA resources.