What Happens…
If You Take a Leave of Absence Without Pay
Health Care Reimbursement Account (HCRA)
Your before-tax contributions from your paycheck will stop while you are on an unpaid leave. You will however, have the option of continuing the same monthly contribution amount on an after-tax basis during your leave, or you may cancel your Health Care Reimbursement Account (HCRA). Whether you elect to continue or cancel your contributions, you must complete a Health Care Reimbursement Account (HCRA) Election While on Unpaid Leave of Absence form and return it to the PG&E Benefits Service Center within 15 days of receipt.
HCRA Elections While on an Unpaid Leave of Absence
If you elect to continue your contributions on an after-tax basis while on your leave, you will be billed each month through the end of the current plan year. Expenses for services received during your leave will be eligible for reimbursement. If you return to work in the same year as the one in which your leave began, the same monthly before-tax contributions will resume, unless you elect to change this amount due to an eligible change in status.
Your Health Care Reimbursement Account will be canceled for non-payment if payment is not received within 30 days. Should this occur, expenses incurred in the months in which payment is not received will not be eligible for reimbursement.
If you elect to cancel your contributions while on your leave, expenses for services received during your leave will not be eligible for reimbursement. If you wish to reinstate before-tax contributions upon your return to work in the same year as the one in which your leave began, you must contact the PG&E Benefits Service Center within 31 days of your return to work. You may choose one of the following options upon your return to work:
  • You may elect to reinstate your original monthly amount, which will have the effect of reducing your original goal. For example: If you elected $1,200 for the year ($100 per month) and you were on a leave of absence for three months, when you reinstate your Health Care Reimbursement Account, you would begin making the same monthly contribution of $100; however, you would only have $900 available to you for reimbursement if you had not incurred any expenses prior to your leave ($1,200 – $300 = $900).
  • You may choose to reinstate your original annual goal. If you elect this option, your monthly contribution amount will be prorated for the remainder of the year. For example: If you elected $1,200 for the year and went on leave April 1 for three months, the first three months' contributions would be at $100 per month and the remaining six months after returning from leave July 1 would be at $150 per month, for a total of: $1,200 (3 × $100 = $300, plus 6 × $150 = $900; $300 plus $900 = $1,200).
If you do not contact the PG&E Benefits Service Center within 31 days of your return to work, you may not elect to contribute to a Health Care Reimbursement Account until the next Open Enrollment period, unless you have an eligible change in status.
HCRA Elections During Open Enrollment
If your unpaid leave of absence extends into the following calendar year and you want to make contributions during the following year, you must make your election during the Open Enrollment period that precedes the beginning of the new calendar year. The elections you make during Open Enrollment will determine your HCRA contributions while on leave during the new calendar year.
If you elected to contribute to a HCRA during Open Enrollment, you will be sent an election form on which you must indicate whether or not you wish to contribute to your HCRA on an after-tax basis at the beginning of the new year.
If you elect to contribute on an after-tax basis once the new year begins, you will be billed for your HCRA contributions on a monthly basis, and expenses for eligible services received while on leave will be eligible for reimbursement. When you return to work later in the year, the same monthly contributions will be continued via payroll deduction on a before-tax basis. Your Health Care Reimbursement Account will be canceled for non-payment if payment is not received within 30 days. Should this occur, expenses incurred in the months in which payment is not received will not be eligible for reimbursement.
If you decline to contribute on an after-tax basis when the new year begins, expenses for eligible services received while on leave will not be eligible for reimbursement. If you wish to contribute to a HCRA upon your return from leave later in the year, you must contact the PG&E Benefits Service Center within 31 days of your return to work.
Dependent Care Reimbursement Account (DCRA)
Your before-tax salary contributions and participation will stop while you are on an unpaid leave. However, you may continue to submit claims for eligible expenses incurred while you were participating in the Dependent Care Reimbursement Account (DCRA) until your balance is exhausted. The same monthly contributions will automatically resume the month following your return to work — provided you return in the same year as the one in which your leave began — unless you changed your monthly contributions due to an eligible change-in-status event.
Change-in-Status Events While on Leave
If you have a change-in-status event while on an unpaid leave, you may elect to change the amount of contributions to your reimbursement account(s), provided the change is consistent with your change in status, by contacting the PG&E Benefits Service Center within 31 days of the change.
When recalculating your new contribution goal, you should calculate your monthly contributions based on the number of months remaining in the year after you return to work.
Health Savings Account (HSA)
If you're enrolled in the HSA medical Plan and were contributing to the HSA before your unpaid leave began, your payroll contributions will stop. However, you may continue contributing to your HSA on an after-tax basis as long as you remain enrolled in the HSA Medical Plan. To contribute, you'll need to electronically transfer funds to ConnectYourCare or send checks to UMB bank, n.a., the HSA banking custodian. If you want to contribute directly to your HSA, you'll need to use after-tax dollars and later deduct your contributions from your federal income taxes when you file your tax returns. It is your responsibility to ensure that your total contributions for the year do not exceed the total annual federal limit. When you return to work, your payroll contributions will automatically resume. For more information, visit www.connectyourcare.com/pge.