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© 2019 Hitesman & Wold, P.A. MEDSURETY, LLC Cafeteria Plan 1-888-816-4234, www.medsurety.com Basic Plan Document 49 have no Spouse or Dependents during the Plan Year, the Minimum Annual Deductible shall be the minimum deductible for single coverage. 14.4 Credits and Debits to Account. The Account will be credited with the amount elected by the Participant and the amount of the carryover, if any, at the beginning of the Plan Year. A Participant’s Account will be decreased from time to time in the amount of payments made to the Participant for eligible Limited Scope Medical Expenses incurred during the Plan Year and Grace Period, if applicable. 14.5 Claims for Reimbursement. Claim submission, determination, and appeals shall be handled in accordance with Article VI. 14.6 Incurred Expenses. To be reimbursable, an eligible Limited Scope Medical Expense must have been incurred after participation in this portion of the Plan began and during the Plan Year for which reimbursement is claimed or the Grace Period related to such Plan Year, if applicable. An expense is “incurred” when the Participant is provided with the care which gives rise to the eligible Limited Scope Medical Expense, not when the service is billed or paid. Reimbursement shall not be made for future projected expenses. Notwithstanding the foregoing, pursuant to and in accordance with the Cafeteria Plan Regulations, the Plan may reimburse expenses for orthodontia care in advance. 14.7 Reimbursement of Expense. The Participant shall be reimbursed as specified in Section 6.8 from the Participant’s Account for eligible Limited Scope Medical Expenses incurred during the applicable Plan Year, and the Grace Period, if applicable, for which the Participant submits the documentation required under Article VI. An amount up to the sum of the Participant’s E lection and the carry over amount, if any, and reduced as of any particular time for prior reimbursements for the same Plan Year, shall be available for reimbursement at all times during the Plan Year, and the Grace Period, if applicable. Claims for reimbursement within a Plan Year, and the Grace Period, if applicable, must be submitted prior to the close of the Claims Run-Out Period for such Plan Year. In no case shall a payment be made which exceeds the balance in the Participant’s Account at the time reimbursement is processed. If a claim for reimbursement exceeds the balance in the Participant’s Account, the excess part of the claim will be denied. Except as provided in Section 19.13(b), under no circumstances (a) will any balance remaining in a Partic ipant’s Account at the end of the Plan Year, and the Grace Period, if applicable, be carried over to the next Plan Year, or (b) will an otherwise eligible Medical Expense be carried over to the next Plan Year. 14.8 Annual Maximum. The maximum reimbursement a Participant may receive for a Plan Year under this portion of the Plan shall be the dollar amount indicated in the Adoption Agreement. The maximum reimbursement amount applies to the Participant, Spouse, and Dependent children on an aggregate basis, not an individual basis. For Plan Years that are less than 12 months, unless indicated otherwise in the Adoption Agreement, this maximum shall be pro-rated by multiplying the applicable maximum by a fraction with a numerator of the number of months in the short Plan Year and with a denominator of 12. For Participants beginning participation in the Plan mid-Plan Year, unless indicated otherwise in the Adoption Agreement, this maximum shall be pro-rated by multiplying the applicable maximum by a fraction with a numerator of the number of complete calendar months remaining in the Plan Year at the time the Participant begins participation and with a denominator of 12. Notwithstanding the foregoing, salary reduction contributions to this portion of the Plan shall not exceed any maximum imposed unde r applicable law. 14.9 Reimbursement Upon Termination of Participation. If an individual ceases to be a Participant in this portion of the Plan, coverage shall cease (which means that reimbursements shall cease) unless benefits under the Plan are continued as provided in Section 19.15. If