Frequently Asked Questions
My employer did not report all my work hours. What do I do?
How do I know if I am eligible for benefits?
You become eligible for benefits from this Trust Fund when you work for an Employer who is required to make hourly contributions to this Trust Fund on your behalf. New Employees become eligible for benefits on the first day of the second calendar month following the calendar months in which you worked at least 130 hours for one or more Contributing Employers.
You will need to work a minimum of 130 hours per month in order to receive 100% employer paid coverage.
To obtain complete eligibility rules for bargained, non-bargained, dependents, and retiree employees, refer to the Summary Plan Description (SPD)/Plan Document.
What options are available if I did not work at least 130 hours to receive employer paid coverage?
Your self-payment is due on or before the 20th of the month following the month you worked less than 130 hours in order to count towards the subsequent month of eligibility.
What are the benefits from the Smart Choices program?
- You can bank an additional three months of excess contributions in your cash bank, for up to six months total.
- After reaching that six-month maximum, you can bank up to 20% of contributions in excess of 130 hours per month into a Health Reimbursement Arrangement (HRA). You can use your HRA funds to pay for eligible health care expenses, as explained in more detail below
When I retire, will my cash bank accumulation expire?
There may be some Retirees who are not eligible for Retiree health coverage. In that case, you will also be allowed to continue your Active Plan coverage for one month by using your Cash Bank Accumulation when you retire. To continue coverage after the Cash Bank is exhausted, you would need to elect continuation coverage under COBRA Continuation. Please refer to the COBRA Continuation Coverage section for information on your self-payments.