Retiree Health Summary Plan Description
As of February 1, 2018
En Español (PDF)

ARTICLE 11: Glossary

The following terms are used throughout this Summary Plan Description. Familiarizing yourself with these terms will help you understand that benefits available to you through the Retiree Health Plan.

Active Health Plan
The Southern California IBEW-NECA Active Health Plan.

Administrative Trust funds office ("Administrative Office")
The Trust Fund office, located at 6023 Garfield Avenue, Commerce, CA 90040.

Advocacy and Assistance Benefit
A benefit provided to Participants to assist them in making the most of their Plan benefits. For more information, see Article 6.2: MedExpert Advocacy and Assistance Services on page 35.

Agreement
See Collective Bargaining Agreement.

Association
The Los Angeles County Chapter of the National Electrical Contractors Association.

Board of Trustees
As defined in the Agreement and Declaration of Trust establishing the Southern California IBEW-NECA Health Trust Fund.

COBRA
The federal law requiring the continuation of group health coverage when eligibility or coverage ends as provided for by the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) as amended from time to time and by all applicable regulations.

Collective Bargaining Agreement
Any Agreement between the National Electrical Contractors Association (NECA) and the International Brotherhood of Electrical Workers (IBEW), AFL-CIO, Local 11, which requires Contributions to the Trust Fund and any other Collective Bargaining Agreement requiring Contributions to the Trust Fund approved by the Board of Trustees.

Contributions
The payment made or to be made to the Trust Fund by any individual Employer under the provisions of any Collective Bargaining Agreement. The term "Contributions" will also include a payment made on behalf of an Employee of a Local Union or other contributing Employer pursuant to a subscription or participation agreement approved by the Board of Trustees.

Covered Employment
Work at a job for which Contributions are required under a Collective Bargaining Agreement.

Dependent
See Eligible Spouse.

Eligible Participant
All individuals eligible for benefits under the Retiree Health Plan. This includes Eligible Retirees and Eligible Spouses.

Eligible Retiree
An Employee who qualifies under the rules of the Southern California IBEW-NECA Retiree Health Plan. See Article 3: Eligibility and Enrollment Requirements on page 13 for more information.

Eligible Spouse
An individual eligible for dependent coverage under the Retiree's Health Plan coverage, as described in Article 3.2: Dependent Coverage on page 14.

Employee
An Employee of an Employer (as defined below) who works in Covered Employment.

Employer
Any individual Employer signatory to any Collective Bargaining Agreement which requires Contributions by the Employer to the Trust Fund. The term "Employer" also includes the Union and other contributing Employers pursuant to regulations adopted by the Board of Trustees.

Health Plan
See Retiree Health Plan.

Health Reimbursement Arrangement
Additional benefits provided to participants to cover the cost of non-covered medical expenses. For more information, see Article 6.1: Health Reimbursement Arrangement on page 31.

Hours Bank Reserve
An eligibility device available to employees under the Southern California IBEW-NECA Active Health Plan. For more information, please refer to the Southern California IBEW-NECA Health Trust Fund Summary Plan Description for Eligible Active Participants and their Eligible Dependents as of September 1, 2017.

Medicare
Title XVIII of the Social Security Act (Federal Health Insurance for the Aged) as it is now enacted or as it may be amended.

Non-covered electrical employment
Non-Covered Electrical Employment is defined by the Southern California IBEW-NECA Pension Plan Document at Article 1, Section 16. For more information, see Article 3.7.2: Non-Covered Electrical Employment on page 19.

Participant
See Eligible Participant.

Plan
See Retiree Health Plan.

Qualifying Event
A Qualifying Event for continuation coverage occurs when a qualified beneficiary loses coverage under this Plan under circumstances defined in COBRA. This entitles the qualified beneficiary to self-pay for coverage under the Plan. See Article 9.1: COBRA Continuation Coverage (COBRA) on page 43 for more information.

Retiree
See Eligible Retiree.

Retiree Health Plan
The Southern California IBEW-NECA Retiree Health Plan.

Spouse
See Eligible Spouse.

Summary Plan Description (SPD)
This document, which provides you with various information as to Plan eligibility and certain information required by law.

Trust Agreement
The Agreement and Declaration of Trust establishing the Southern California IBEW-NECA Health Trust Fund and any modification, amendment, extension, or renewal thereof.

Trust Fund
The Southern California IBEW-NECA Health Trust Fund.

Trustee and/or Board of Trustees
As defined in the Agreement and Declaration of Trust establishing the Southern California IBEW-NECA Health Trust Fund.