- Active Health
- Retiree Health
- DB Pension
- DC Pension
- SUB Plan
Eligibility for coverage for Active Employees is based on your working a certain minimum number of hours as explained below with one or more Employers who actually make Contributions to the Fund on your hours of employment.
Even if a Participant's Hours Bank Reserve contains sufficient hours for initial eligibility, the only benefit a Participant will have until he or she completes an enrollment form for one of the medical options and one of the dental options will be Life and AD&D insurance. Even if the Participant fails to return the enrollment forms to the Administrative Office in a timely fashion, the Participant's Hours Bank Reserve will be charged as if the Participant has completed all the steps required for enrollment in the benefits offered by the Plan. However, the Participant will have no actual coverage (except for Life and AD&D insurance) until the Participant has completed all the steps required for enrollment in benefits offered by the Plan. The Participant's failure to take appropriate action in enrolling for benefits will cause a reduction in the Participant's Hours Bank Reserve without providing the Participant with benefits or coverage, which would exist if the Participant enrolled in the benefit options available to him or her on a timely basis.
Important: See Article 4.7: Designated Working Members (DWM) and Article 4.13: Cancellation of Eligibility and Termination of the Hours Bank Reserve (Trust Agreement Non-Compliance and Contribution Reporting Requirements) for more information.