Retiree transition details


 


 

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The retiree health reimbursement arrangements (RHRAs) for retired team members will transition to Fidelity on April 1, 2024.

There is no action required on your part to transition your RHRA(s) to Fidelity. However, please read below to learn about important information and key dates, including a blackout period, during which you will not have access to your RHRA credits while your account is on the move to Fidelity.

 

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Your debit card

You will be mailed a new debit card, the NetBenefits AccessCard®, as part of this transition to Fidelity. This special-purpose Visa® debit card provides an easy way to pay for eligible expenses. When you use your NetBenefits AccessCard® to pay for eligible expenses, the amount is automatically deducted from your RHRA(s). The card will be mailed to you in mid-March 2024 for use starting April 1, 2024, following the transition blackout period (more details below). You also can request additional cards for eligible family members once you have received and activated your card.

 

Your contact for account support

The service center you’ve come to rely on for your American Airlines-sponsored 401(k) and pension is now here to help you with your spending accounts: the American Airlines Service Center at Fidelity at 800-354-3412. You can also use the online live chat feature on NetBenefits® to get support for your accounts.

 

Your online account access

Beginning the week of April 1, 2024, you will be able to access your RHRA(s) online at NetBenefits (netbenefits.com/aa), where you can try new planning tools. Fidelity also offers an easy-to-use NetBenefits app for your phone or tablet that you can download from the Apple App Store® or Google PlayTM.

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Blackout period for your RHRA credits

In order to complete the transition to Fidelity, a blackout window began Feb. 29. 

During this period:

  • You are not able to access your RHRA(s) as your credits move from Alight Smart-Choice Accounts to Fidelity, so please plan accordingly for any expenses.
  • You can pay an expense out of pocket, save your receipt and submit for reimbursement after the blackout period is completed.
  • You should not use your Smart-Choice debit card during the blackout, as the charge will be declined.

 

Setting up ongoing payments from your RHRA(s)

Any recurring payments you currently have set up from your Smart-Choice RHRA(s), such as ongoing health plan premiums, will not transfer to your RHRA(s) at Fidelity. If you would like to set up recurring payments from your RHRA(s) at Fidelity, you can do so by completing this form and following the instructions.

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Below are some other key dates to be aware of:

  • Feb. 22, 2024, at 11:59 p.m. CT: The last day you were able to use your Smart-Choice debit card before the blackout period began.
  • Feb. 26, 2024: The last day you were able to submit reimbursement requests to Smart-Choice for eligible expenses. You must include substantiation with your reimbursement claim to ensure it can be processed.
  • Feb. 29, 2024: RHRA blackout period began, during which you are not able to access your existing RHRA credits.
  • April 1, 2024: Your RHRA account transition is complete, and your credits are now available at Fidelity. You can now reimburse yourself for any incurred eligible expenses and use your new NetBenefits AccessCard®.

 

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