A disability is considered occupational if it is due to bodily injury or sickness which is covered by a Worker’s Compensation Act or similar legislation.
To be considered for occupational disability benefits you must meet all the following criteria:
- Currently eligible under a Plan covering active participants; and
- Continuously eligible for 24 of the 60 months immediately preceding your disability; and
- Incurred the disability while working for an employer contributing to the Plan.
A disability is considered non-occupational if it is not the result of any injury or illness sustained while engaged in any occupation for wage or profit.
To be eligible for non-occupational disability benefits you must be eligible under a Plan covering active participants on the date your disability begins.
Depending upon which plan you are enrolled in, you may be paid a weekly benefit if you become totally disabled as the result of an accident or illness.
Note: Disability benefits are not available under retiree or COBRA self-pay health & welfare plans.
See the Health & Welfare Summary Plan Description (H&W-SPD) and any Summary of Material Modifications (SMM) for full details.
Designating or Changing Beneficiaries
Beneficiary(ies) may be designated on your Health & Welfare Plan Enrollment Form at the time of enrollment. Your beneficiary designation should be kept up to date to be certain that benefits will be paid in accordance with your wishes.
If you wish to make any changes, please complete a new Health & Welfare Plan Enrollment Form. If you do not name a beneficiary on your Health & Welfare enrollment form, or if your named beneficiary does not survive you, the benefits will be paid in the following order: to your surviving spouse, children, mother, father, the beneficiaries named in your last will and testament if the will is admitted into probate within 90 days of the date of death.