Providing and Financing Post-Employment Health Care Benefits
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United States of America Patent
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N/A
Issued Date -
Mar 27, 2008
app pub date -
Sep 25, 2006
filing date -
Sep 25, 2006
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A health account retirement plan ('HARP') is described that can be used by a retiree for health care related expenses. Under the HARP, an employer pays an annual premium to an insurance company such as a health insurance company. In exchange, the insurer funds and administers health accounts for eligible employees at retirement. Employees become eligible for these benefits according to a pre-determined eligibility schedule comparable to a vesting schedule for pension benefit. Once eligible, if an employee retires, he can use the account for health care related expenses including both premiums and health claims.
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