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Health &
Welfare
Plan Benefits
The Health and Welfare Plan offers the following
types of benefits:
There are several different levels of benefits
under each category listed above. Your particular combination of
benefits is determined by the collective bargaining or special
agreement under which you work.
Only the plans for active employees include
disability and life and AD&D insurance.
Retiree plans cover medical benefits only.
COBRA
plans include medical only or medical, dental and vision.
Disability coverage provides the same medical dental and vision plan
that you were on when you became disabled.
For
an overview of each type of benefit, see the individual pages.
For detailed information about the benefits review your Plan Booklet
or the
Plan Documents.
How It Works
Participating employers make contributions for
each participant according to the collective bargaining or special
agreement. These contributions are either an hourly or a flat monthly
rate. Certain agreements call for employees to pay a portion of the
contribution.
Who's Covered
Health and Welfare benefits are available to the
following participants/dependents:
-
Active employees with contributions made under
a collective bargaining or special agreement; or
-
Retirees who have been eligible for 60 of the
last 84 months or who have had 25,000 hours with Health and Welfare
contributions and who elect coverage and pay their retiree portion;
or
-
Employees who qualify for benefits under the
disability plan (6 months maximum); or
-
Terminated participants or dependents who elect to COBRA self-pay
for the allowed amount of time and pay their premium in a timely
manner.
See
Who's Eligible for an overview on who
is eligible for benefits under the Plan.
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