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Most questions concerning eligibility and the schedule of benefits can be answered in this document, but here are some of the most frequently asked questions regarding insurance:

  • How many hours does it take to activate my insurance?
  • An employee will become initially eligible on the first day of the second month following the month in which he has been employed by contributing Employers and worked at least 260 hours for which contributions are due and paid to the Fund during a period of no more than four consecutive months.

    Continuing eligibility will be calculated on the basis of Contribution Months and Benefit Months as follows:

    Contribution Months Benefit Months
    Hours Worked In: Earn Eligibility For:
       
    January........................... April
    February.......................... May
    March.............................. June
    April................................ July
    May................................. August
    June................................ September
    July................................. October
    August............................. November
    September....................... December
    October............................ January
    November........................ February
    December........................ March
  • How many hours does it take to keep my insurance activated?
  • A Covered Employee will continue to be eligible as long as one or more contributing employers pay on his behalf funds representing at least 130 hours of work for each Contribution Month corresponding with the respective Benefit Month.
  • How many bank hours can I accumulate?
  • When a Covered Employee works more than 130 hours for a participating employer during any Contribution Month, all hours in excess of 130 hours will be credited to his Hour Bank. The maximum number of hours that may be accumulated in this account is limited to 520 hours.
  • If my insurance laptses, how many hours does it take to get it reinstated?
  • Once an employee has gained eligibility under the Fund and later loses his eligibility, his eligibility will be reinstated on the first day of the Benefit Month corresponding with the Contribution Month for which employer contributions are paid to the Fund representing at least 120 hours of work. An employee who meets this requirement will be eligible during the Benefit Month in which eligibility is regained.
  • Do we have a Loss of Time Benefit?
  • Yes, click here to download your form.
  • LOSS OF TIME BENEFIT
  • Weekly Benefit...................................$150
    Maximum Period for Benefits - 13 weeks
    Benefits Commence on: 1st day for accident, 8th day for sickness
  • Please click here to download your full Health and Welfare Summary Plan.