Benefit Summary: Eligibility

Initial Eligibility

Eligibility for employees is based on hours worked for which an employer makes a contribution on your behalf to the Fund. You will become initially eligible on the first day of the benefit month corresponding to the eligibility month in which you first accumulate at least 125 credited hours. Your benefit coverage will start on your initial eligibility date. Please make sure that the Fund Office has your current address so information can be sent to you.

For Non-Bargaining Unit Employees, click here.

Dependent Eligibility

Your dependents become eligible for coverage on the same date that you become eligible. If you acquire other dependents after your coverage starts, their coverage will start on the day they become your dependents. The Plan will now cover your children through age 25, regardless of student status.

Lag Month

Because the Fund office needs to process the contributions sent in by your employer, there is a lag month between each month in which you fulfill the eligibility requirements and the month during which you receive coverage. So, if you work 125 credited hours for initial eligibility in December, your coverage will begin February 1st.

Continuing Eligibility

After you establish initial eligibility, you must have at least 125 credited hours per month to remain covered. As with initial eligibility, there is a lag month; thus, working 125 credited hours in March will continue your coverage for the month of May.

Rollback Rule

The Rollback Rule helps to keep you covered during months when you work less than 125 credited hours. Under this rule, you will still be eligible as long as you have an average of at least 125 hours per month going back for a period of up to 12 months.

Losing Coverage

Your eligibility will end when both your credited hours for that month and your monthly average under the Rollback Rule fall below the 125 hour minimum. When you lose eligibility you may be able to continue coverage for a limited time by making payments under the Plan's Short-Hours Self-Payment program, or under COBRA. If you qualify under total disability rules, you may also be able to continue coverage.

Other Eligibility Provisions