American Arbitration Association

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved I am glad that it is rectified but the information provided in there response was not given to me and I have called every day asking for updates I called today for the trustees phone number and was told that she didn’t have it but would call me backstill waitingRegards, [redacted]

USELESS. Do not get involved with these people. They will only cost you money and waste your time. Take my advice and stay away from AAA.

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have requested the phone records and written records from Tri Ad and have been refused What they state is different than what I experienced Can you please ask Tri Ad to provide a copy of the written and phone records for me to review? I asked in that past and was refused They claim this, but I remember the conversations and the information was different The only way to view this and have proof, is to review the phone and written records they say they have and which they summarize in the message they provided Can you please ask them to provide the written and phone recordings they have so I can review them as well? Regards, [redacted]

Ms [redacted] is a former employee of Dermatologist Medical Group of North County, for which Tadministers two separate retirement plans Ms [redacted] was a participant with an account balance in both plans, one being the 401(k) and the other Profit Sharing Treceived a Distribution Request Form from Ms [redacted] on April 10, She was contacted the following day by a Trepresentative regarding incomplete information and a revised form was received on April 12, The 3-day processing time provided to the participant did not include an additional 2-business days for the Trustee to release funds for the 401(k) distribution Furthermore, Twas unable to process a distribution from the Profit Sharing Plan when Ms [redacted] 's request was received, as the annual valuation was incomplete at the time The annual valuation has since been completed and a request to distribute Ms [redacted] 's account balance was provided to the Plan's Trustee the week of April The check will be issued by the Trustee the week of April 30, Tprocessed the distribution from the 401(k) on April

Participant has elected to participant in her company’s Flexible Spending Account for both plan years and Flexible Spending Accounts are pre-tax accounts that are governed by Section of the IRS Code, as well as the required Plan Document that outlines all of the rules for the plan The IRS requires that all expenses paid from the Flexible Spending Account are adjudicated to ensure that the expense is an eligible expense under the IRS regulations.In order to facilitate the use of the account, Tprovides a debit card for participants to access the fundsHowever, with the use of the debit card, Tis still required to verify that the expenses paid using the debit card are eligibleIf a participant does not respond timely to the request for documentation, certain IRS guidelines must be followed, (1) deny access to the debit card (shut it off for future transactions), until the transaction in question is resolved, (2) Require repayment of the claim, which is then added back to the annual amount to be used for an eligible expense during the plan year, (3) offset the claim with another eligible claim, (4) withhold from pay – if repayment is unsuccessful, then an amount equal to the ineligible claim can be withheld from the participant’s pay or other compensation.All debit card transactions are adjudicated based on IRS regulationsThe IRS regulations allow transactions to be auto adjudicated in the following situations, (1) if the transaction matches a copayment amount for the employer’s benefit plans, (2) the transaction matches an IIAS (Inventory Information Approval System) used at Pharmacies, (3) the transaction is a recurring transaction at the same provider for the same dollar amount of a transaction that has already been adjudicated.In the case of Tabitha Twitchell, she had an election of $1,for the plan year and an election of $for the plan yearThe plan year’s expenses must be incurred between January 1, and December 31, and participants have until April 15, to submit any claimsThe plan year’s expenses must be incurred between January 1, and December 31, and participants have until April 15, to submit expenses.Tabitha Twitchell used her BenefitCard starting March 2, and continued to use it through July She used the card for a total of $1,Then on August 7, we received a credit from a merchant of $Many of her transactions we were able to auto adjudicate based on the rules stated above, however there were transactions that we needed documentation from the participant showing, (1) date of service, (2) description of service, (3) amount of service, (4) who the service was provided for, (5) the provider’s nameIn reviewing the account of the transactions documentation has been provided, based on information given during a call on January 6, with TRI-AD’s participant servicesHowever there is still one outstanding claim that we need documentation on before we canPage of January 14,2016turn on the debit card for the plan year from April 24, in the amount of $This was paid to the provider, but we have not received documentation for this claim as of today.In order for us to active her BenefitCard, she will need to provide documentation for the claim mentioned above, as this is still an outstanding issue on her accountOnce the documentation has been provided, we can determine if the expense is an eligible expenseIf it is an eligible expense, the card will be turn on and can be used for the plan yearIf the expense is determined to be an ineligible expense, the participant can submit claims for other expenses that she did not use the BenefitCard for, that we can use to offset this expenseOnce that is completed, the card will be turned on for the plan year.The balance remaining in her plan of $70.00, she has until April 15, to submit a claim for reimbursement for eligible expenses that were incurred during the plan year.She has a balance of $for the plan year that she can use once the outstanding transaction is resolvedThis amount can be use for any eligible expenses that are incurred during the plan year, and she has until April 15, to submit any request for reimbursements.At this point, we are in need of action taken by the participant to resolve the one outstanding claim from April 24, for $After this transaction is resolved her account will be available for use, and she will be able to access both her remaining $from the plan as well as her entire balance of $from the plan year

Dear Revdex.com: This will confirm that the American Arbitration Association has destroyed all copies of Ms***’s Affidavit in Support of Reduction or Deferral of Filing and Administrative Fees, and any supporting documentsThe form was deleted from our computer case management system on November 1, 2016, and we subsequently deleted all other electronic copiesPlease provide a copy of this letter to Ms***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
I am glad that it is rectified but the information provided in there response was not given to me and I have called every day asking for updates I called today for the trustees phone number and was told that she didn’t have it but would call me backstill waitingRegards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I have requested the phone records and written records from Tri Ad and have been refused.  What they state is different than what I experienced.  Can you please ask Tri Ad to provide a copy of the written and phone records for me to review?  I asked in that past and was refused.  They claim this, but I remember the conversations and the information was different.  The only way to view this and have proof, is to review the phone and written records they say they have and which they summarize in the message they provided.  Can you please ask them to provide the written and phone recordings they have so I can review them as well?
Regards,
[redacted]

Ms. [redacted] is a former employee of Dermatologist Medical Group of North County, for which TRI-AD administers two separate retirement plans.  Ms. [redacted] was a participant with an account balance in both plans, one being the 401(k) and the other Profit Sharing.  TRI-AD received a...

Distribution Request Form from Ms. [redacted] on April 10, 2018.  She was contacted the following day by a TRI-AD representative regarding incomplete information and a revised form was received on April 12, 2018.  The 3-5 day processing time provided to the participant did not include an additional 2-3 business days for the Trustee to release funds for the 401(k) distribution.  Furthermore, TRI-AD was unable to process a distribution from the Profit Sharing Plan when Ms. [redacted]'s request was received, as the annual valuation was incomplete at the time.  The annual valuation has since been completed and a request to distribute Ms. [redacted]'s account balance was provided to the Plan's Trustee the week of April 23.  The check will be issued by the Trustee the week of April 30, 2018.  TRI-AD processed the distribution from the 401(k) on April 20.

Participant has elected to participant in her company’s Flexible Spending Account for both plan years 2015 and 2016. Flexible Spending Accounts are pre-tax accounts that are governed by Section 125 of the IRS Code, as well as the required Plan Document that outlines all of the rules for the plan....

The IRS requires that all expenses paid from the Flexible Spending Account are adjudicated to ensure that the expense is an eligible expense under the IRS regulations.In order to facilitate the use of the account, TRI-AD provides a debit card for participants to access the funds. However, with the use of the debit card, TRI-AD is still required to verify that the expenses paid using the debit card are eligible. If a participant does not respond timely to the request for documentation, certain IRS guidelines must be followed, (1) deny access to the debit card (shut it off for future transactions), until the transaction in question is resolved, (2) Require repayment of the claim, which is then added back to the annual amount to be used for an eligible expense during the plan year, (3) offset the claim with another eligible claim, (4) withhold from pay – if repayment is unsuccessful, then an amount equal to the ineligible claim can be withheld from the participant’s pay or other compensation.All debit card transactions are adjudicated based on IRS regulations. The IRS regulations allow transactions to be auto adjudicated in the following situations, (1) if the transaction matches a copayment amount for the employer’s benefit plans, (2) the transaction matches an IIAS (Inventory Information Approval System) used at Pharmacies, (3) the transaction is a recurring transaction at the same provider for the same dollar amount of a transaction that has already been adjudicated.In the case of Tabitha Twitchell, she had an election of $1,500 for the 2015 plan year and an election of $250 for the 2016 plan year. The 2015 plan year’s expenses must be incurred between January 1, 2015 and December 31, 2015 and participants have until April 15, 2016 to submit any claims. The 2016 plan year’s expenses must be incurred between January 1, 2016 and December 31, 2016 and participants have until April 15, 2017 to submit expenses.Tabitha Twitchell used her BenefitCard starting March 2, 2015 and continued to use it through July 2015. She used the card for a total of $1,500.00. Then on August 7, 2015 we received a credit from a merchant of $70.00. Many of her transactions we were able to auto adjudicate based on the rules stated above, however there were 4 transactions that we needed documentation from the participant showing, (1) date of service, (2) description of service, (3) amount of service, (4) who the service was provided for, (5) the provider’s name. In reviewing the account 3 of the 4 transactions documentation has been provided, based on information given during a call on January 6, 2016 with TRI-AD’s participant services. However there is still one outstanding claim that we need documentation on before we canPage 1 of 2 January 14,2016turn on the debit card for the 2016 plan year from April 24, in the amount of $896.01. This was paid to the provider, but we have not received documentation for this claim as of today.In order for us to active her BenefitCard, she will need to provide documentation for the claim mentioned above, as this is still an outstanding issue on her account. Once the documentation has been provided, we can determine if the expense is an eligible expense. If it is an eligible expense, the card will be turn on and can be used for the 2016 plan year. If the expense is determined to be an ineligible expense, the participant can submit claims for other expenses that she did not use the BenefitCard for, that we can use to offset this expense. Once that is completed, the card will be turned on for the 2016 plan year.The balance remaining in her 2015 plan of $70.00, she has until April 15, 2016 to submit a claim for reimbursement for eligible expenses that were incurred during the 2015 plan year.She has a balance of $250.00 for the 2016 plan year that she can use once the 2015 outstanding transaction is resolved. This amount can be use for any eligible expenses that are incurred during the 2016 plan year, and she has until April 15, 2017 to submit any request for reimbursements.At this point, we are in need of action taken by the participant to resolve the one outstanding 2015 claim from April 24, 2015 for $896.01. After this transaction is resolved her account will be available for use, and she will be able to access both her remaining $70 from the 2015 plan as well as her entire balance of $250 from the 2016 plan year.

Please see attached. [redacted] [redacted]Daytime phone: ([redacted]Email: [redacted]Revdex.com ID [redacted]It TRI-AD’s policy to not release any recorded phone conversations, we can however provide a summaryof the calls. In reviewing the account information for the original response, there were no requests forany records, emails or phone calls.I am providing a copy of the email correspondences between TRI-AD and the participant, as we only takewritten instructions for COBRA coverage. In addition, I have provided the dates and summary of thecalls below.In the case of this participant, the following phone discussions and email exchanges took place duringNovember 2013 – April 2014.· November 19, 2013 participant called and inquired about the amount that was due forDecember premium. She also inquired if she would be able to keep just vision and dentalcoverage. She was informed that we would need something in writing stating that she wants todrop the medical coverage and keep the vision and dental.· December 4, 2013 participant called and explained that she was trying to get Obama Care anddoes not yet want to drop her medical coverage. She was informed that she should send anemail stating that she does not want to drop her medical coverage.

Dear Revdex.com Conciliation & Engagement Specialist: We are in receipt of the complaint filed by Ms. [redacted] with the Revdex.com. In her complaint , Ms. [redacted] alleges that the AAA mishandled the financial information that she submitted in connection with her Affidavit in Support of...

Reduction or Deferral of Filing and Administrative Fees (the "Hardship Request Form ").  We have reviewed the records , and have determined that at no time was any of Ms. [redacted] 's financial information either made publicly available or to the other party. The Hardship Request Form is not a part of a public database and has not been provided to the other party. Unfortunatel y, the AAA cannot approve Ms. [redacted] 's fee waiver because the AAA declined to administer Ms. [redacted] 's arbitration for the reasons set forth in a letter addressed to Ms. [redacted], dated October 28, 2016 . In response to Ms. [redacted] 's further reque st that the AAA destroy her Hardship Request Form , the AAA destroyed that form on November 1, 2016. We hope that this addresses Ms. [redacted] 's concerns.

Dear This will confirm that the American Arbitration Association has destroyed all copies of Ms. [redacted]’s Affidavit in Support of Reduction or Deferral of Filing and Administrative Fees, and any supporting documents. The form was deleted from our computer case management system on November 1, 2016, and we subsequently deleted all other electronic copies. Please provide a copy of this letter to Ms. [redacted].

Dear Revdex.com Conciliation

sans-serif;">& Engagement Specialist: We are in receipt of the complaint filed by Ms. [redacted] with the Revdex.com. In her complaint , Ms. [redacted] alleges that the AAA mishandled the financial information that she submitted in connection with her Affidavit in Support of Reduction or Deferral of Filing and Administrative Fees (the "Hardship Request Form ").  We have reviewed the records , and have determined that at no time was any of Ms. [redacted] 's financial information either made publicly available or to the other party. The Hardship Request Form is not a part of a public database and has not been provided to the other party. Unfortunatel y, the AAA cannot approve Ms. [redacted] 's fee waiver because the AAA declined to administer Ms. [redacted] 's arbitration for the reasons set forth in a letter addressed to Ms. [redacted], dated October 28, 2016 . In response to Ms. [redacted] 's further reque st that the AAA destroy her Hardship Request Form , the AAA destroyed that form on November 1, 2016. We hope that this addresses Ms. [redacted] 's concerns.

I never received confirmation from the company that the documents were destroyed. Please send me the confirmation letter on official company letterhead that the documents were destroyed and the date they were destroyed. Thank you.