How to Receive Benefits

Eligible members may receive benefits in two ways, by using the Pre-paid Benefit Debit Card, or by submitting a claim for reimbursement.

How To Submit Claims

Pre-Paid Benefit Debit Card

The Pre-paid Benefit Debit Card is the recommended way to receive benefits. Members may use the debit card to pay for covered expenses at the point of service, without paying cash up front. Members can also view claims, account balances, and other information on the Pre-Paid Benefit Debit Card website.

Request Debit Card

More Information About Debit Card

Claim Submission for Reimbursement

Members may submit the Medical Expense/Premium Reimbursement Claim Form to receive reimbursements in the form of a check. 

Medical Expense or Premium Reimbursement Claim Form

Claims may be submitted by Mail, Fax, and or Email. 

Address: HPAE Retiree Medical Trust

c/o Zenith American Solutions

140 Sylvan Avenue, Suite 303,

Englewood Cliffs, NJ 07632

Fax: 201-947-9192

Claim Submission (only) EmailHpaermtClaims@Zenith-American.com