Health & Pension
The PTHA is proud to offer health benefits and pension plans to its horsemen, making Parx Racing one of the few racetracks in the country to provide such benefits.
Questions about health insurance, the Stable Employee Benefits, or the pension plan should be directed to Benefits Coordinator Amanda-Kate Lenzi by email or by calling the PTHA office at 215-638-2012.
The PTHA is proud to offer a comprehensive benefits program for its horsemen. This program includes key elements such as general health coverage, assistance with prescriptions and copays, dental, optical, accident and life insurance. This program is a direct result of the 2004 passage of Act 71, which legalized slot machines in Pennsylvania, enabling Parx Racing to become one of the few racetracks in the country to provide such a wide range of benefits to its eligible trainers.
Trainer Eligibility for Health Insurance
- The trainer must be in good standing with the PTHA to obtain and retain health benefits; AND
- The trainer must have 15 starts at Parx Racing in either the current or previous calendar year (65% of a trainer’s annual total starts must have occurred at Parx Racing); OR
- The trainer must have a full barn of horses stabled at Parx Racing; OR
- The trainer must have 100 starts at Parx Racing during the current or previous calendar year.
- NOTE: If a trainer gives up a trainer’s license to become a stable employee, said former trainer will be covered for six months until eligible for benefits under the PTHA Stable Employee Benefits as a stable employee as long as the former trainer is employed full time for an eligible trainer.
Trainer Eligibility for Pension
- A trainer must be in good standing with the PTHA to obtain and retain eligibility for the pension plan; AND
- A trainer must have a minimum of 15 starts (65% of the annual total starts must have been at Parx Racing); OR
- A trainer must have had at least 100 starts at Parx Racing; OR
- A trainer must occupy an entire barn at Parx Racing.
A trainer that is currently racing at Parx Racing and is eligible as noted above will receive an amount per start as determined by the PTHA Board of Directors for his/her yearly contribution. In an attempt to ensure that the senior trainers who are 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 his/her 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.
In order to collect retirement benefits the trainer must 1) be at least 65 years old, or 2) disabled as defined by Social Security or 3) have died.
Stable Employee Benefits
When a stable employee is currently validated at Parx Racing, employed FULL TIME by a PTHA member trainer in good standing, is on said trainer’s employee registration form (located in the PTHA office), licensed as a stable employee and has been so employed for the previous six (6) months, the employee is eligible for Stable Employee Benefits.
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 said employee relinquishes a stable employee license to obtain a trainer’s license, only the employee will be covered for six months or until eligible under the trainers’ 15 start rule, whichever 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 the Stable Employee Benefits forms obtained in the PTHA office and must be filed with the PTHA Benefits Coordinator 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 freelance 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 Stable Employee Benefits will only pay that portion not specifically covered and only within the limits of these guidelines. The Stable Employee Benefits are NOT insurance and are 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 Stable Employee Benefit funds and to the limits set forth. Under no circumstances will workmen’s compensation cases be covered.
DENTAL – Maximum coverage $1,000.00 per individual per year.
OPTICAL – Maximum coverage $300.00 per individual per year.
CHIROPRACTIC – Included as medical.
PRESCRIPTIONS – Maximum coverage $500.00 per individual per year.
DEATH BENEFIT – Maximum coverage $2,500.00 is for burial only, and upon approval by the Board of Trustees.
Other Personnel Eligibility Requirements
When a person is currently licensed and validated at Parx Racing and is retained FULL TIME by a PTHA/HPA division as an intricate piece of their respective businesses (key employee) the employee and 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, supplemental health insurance, accident insurance, optical/vision insurance, dental insurance and a death benefit of $5,000.