TRAINER HEALTH CARE
When you are a member in good standing of the PTHA and you have started 20 times at Parx Racing in the current and/or previous calendar year and a minimum of 65% of your starts in the current or previous calendar year were at Philadelphia Park, you and your dependents are eligible; or if a trainer has a full barn they are eligible; or has made a minimum of 100 starts at Philadelphia Park in the current or previous calendar year they are eligible for insurance benefits. If you give up your trainer’s license to become a stable employee, only you will be covered for six months until eligible for benefits under the PTHA Benefit Trust as a stable employee as long as you are employed full time for an eligible trainer.
Effective January 1, 2009 the following will be in effect: Trainers stabling and participating at Parx Racing that have a minimum of 20 starts (65% of the yearly total of starts must have been at Parx Racing), or have had at least 100 starts, or who occupy an entire barn (have complete control over the barn) will be eligible for this retirement plan.
Trainers that are currently stabled and racing at Parx Racing and are eligible as noted above will receive an amount per start as determined by the PTHA Board of Directors for their yearly contribution. In an attempt to ensure that the senior trainers age 55 and older have an opportunity to accumulate a sufficient retirement by age 65, an additional amount per start as determined by the PTHA Board of Directors will be credited to their account. On an annual basis, the per start amounts will be reviewed by the PTHA Board of Directors to determine future amounts based on fund availability.
From 1975 to 2009 only, those trainerswho were age 55 and older on or before 12/31/09, will receive a one-time senior benefit in the amount of $1,000 for each year of eligibility, as defined above. Trainers age 65 or older as of 12/31/09 who had 20 or more years of eligibility as defined above, and made at least 1 start in 2009, are eligible for the abovementioned Senior Benefit of $1,000/year of eligibility from 1975 to 2009. However, said age 65 recipients shall not receive an annual per start benefit.
In order to collect retirement benefits the trainers must 1) be at least 65 years old, or 2) disabled as defined by Social Security or 3) have died.
STABLE EMPLOYEE HEALTH CARE
Eligible individuals are full time employees of trainers who are on said trainer’s employee registration list at the PTHA office at Philadelphia Park and who are currently licensed as a stable employee or assistant trainer, in good standing by the Pennsylvania State Horse Racing Commission, provided, said individuals comply with the specific eligibility requirements as stated below.
When you are currently validated at Parx Racing, employed FULL TIME by a PTHA member trainer in good standing, are on said trainer’s employee registration form, licensed as a stable employee and have been so employed for the previous six (6) months, you are eligible for benefits of this Benefit Trust.
Payroll records must be presented upon request prior to benefits being approved. If a stable employee receives a suspension or is unable to work due to illness or a non work-related accident and returns to Parx Racing to work when able to do so, then the time away will be considered involuntary. However, if after the absence a job is taken at another location, when the stable employee returns to Parx Racing the time away will be considered voluntary and benefits will be lost and eligibility must be reestablished. If bills are incurred during an involuntary absence the invoices will be considered for payment upon return to work FULL TIME at Parx Racing. If you relinquish your stable employee license to obtain a trainer’s license, only you will be covered for six months or until you are eligible under the trainers’ 20 start rule, which ever comes first.
Any medical costs not exceeding $3,000.00 per individual per year will be paid for illness and/or treatment of non-self-inflicted injuries or voluntary conditions. Examples of conditions not covered: alcohol and/or drug dependency; mental disorders; cosmetic surgery; sterilization; and injuries incurred as a result of altercations (regardless of aggressor) or injuries sustained that should be covered under your trainer’s workmen’s compensation insurance.
All requests for benefits shall be made on Benefit Trust forms obtained in the PTHA office and must be filed with your PTHA Benefit Trust prior to receiving treatment and/or admission to a medical facility, except in emergency cases. The trainer upon whose employee registration list and Security Badge List the claimant is recorded must verify the request and sign the request form indicating the individual is a full time employee, not free lance or part-time.
All payments will be made directly to hospitals, physicians, or whoever has provided the eligible services. If other health care coverage is available the Benefit Trust will only pay that portion not specifically covered and only within the limits of these guidelines. The Benefit Trust is NOT insurance and is never considered primary coverage. Reimbursements to claimants will only be made for emergency cases wherein providers demand payment and only if submitted within 90 days of the incident. Maximum coverage is per individual per calendar year. No pre-existing conditions will be covered. Coverage is limited to the availability of Benefit Trust funds and to the limits set forth. Under no circumstances will workmen’s compensation cases be covered.
DENTAL - Maximum coverage $1,000 per individual per year.
OPTICAL - Maximum coverage $ 250 per individual per year.
CHIROPRACTIC – Included as medical
PRESCRIPTIONS - Maximum coverage $500 per individual per year.
DEATH BENEFIT - Maximum coverage $2,500 is for burial only, and upon approval by the Board of Trustees.
Eligible individuals are trainers and their dependents (spouses and children under 19 years of age or full time students), stabled at Philadelphia Park and who are currently licensed in good standing by the Pennsylvania State Horse Racing Commission, provided, said individuals comply with the specific eligibility requirements as stated herein. The subscribers’ and their dependents’ premiums will be paid in full by the PTHA.
All premium payments will be made by the PRDF directly to those insurance companies providing coverage for the eligible personnel, i.e., health insurance, optical/vision insurance, dental insurance and a death benefit of $5,000.
OTHER PERSONNEL ELIGIBILITY REQUIREMENTS
When you are currently licensed and validated at Parx and are retained FULL TIME by a PTHA/HPA division as an intricate piece of their respective businesses (key employee) you and your dependents will be eligible for coverage under the plans.
The subscribers’ and their dependents’ coverage will be paid by the PTHA.
All premium payments will be made by the PRDF directly to those insurance companies providing coverage for the eligible coverage, i.e., health insurance, optical/vision insurance, dental insurance and a death benefit of $5,000.