When you retire, you can continue your coverage by making self-payments for Retiree Benefits. You can continue this coverage for as long as you meet the eligibility requirements and make your self-payments on-time.
You also have the option to choose COBRA coverage instead of the Retiree Benefits plan. Under COBRA, you can make self-payments to continue Plan coverage for up to 18 months. However, if you elect COBRA coverage instead of the Retiree Benefits plan, you CANNOT get into the Retiree Benefits plan later. For specific information on COBRA coverage for retirees, please see the relevant section of the SPD.
To be eligible to make self-payments for Retiree Benefits coverage, you must meet the following requirements.
Early or Normal Retirees
You must be receiving disability retirement benefits either from an IBEW-sponsored plan, another qualified employer pension plan, or from Social Security, and you must have been eligible for coverage under LINECO on the day before the date your disability pension became effective.
Special provisions apply if your spouse has other group coverage or you want to suspend or postpone spousal coverage. See the SPD for details on these provisions.
You can choose between one of the following Retiree Benefits Options:
If you originally elect dental and vision coverage, you can later drop those coverages. However, the change will be permanent -- if you drop dental and vision coverage you cannot re-elect it later on. Also, if you initially decline dental and vision coverage, you cannot add it later.
The benefit coverage provided under Option 1 or Option 2 is largely the same as the coverage that is provided to active eligible employees and their dependents. However, Retiree Benefits do not include Life Insurance, Weekly Income Benefits, or AD&D Insurance.
Medical Benefits Only
Medical, Dental, Vision
|Both Employee and Spouse have Medicare||$ 512.00||$ 552.00|
|One of them has Medicare||$ 971.00||$1,020.00|
|Neither of them has Medicare||$1,433.00||$1,488.00|
|Single with Medicare||$ 256.00||$ 276.00|
|Single without Medicare||$ 717.00||$ 743.00|
|Single with Medicare (covering at least 1 child)||$ 384.00||$ 414.00|
|Single without Medicare (covering at least 1 child)||$ 845.00||$ 871.00|
LINECO coordinates its Retiree Benefits with Medicare. If you and/or your spouse are eligible to participate in Medicare, this Plan's benefits will be calculated as though benefits under Medicare Part A and Part B have been paid, whether or not you are actually enrolled in both Parts. You and your spouse should enroll in both Medicare Part A and Part B when eligible to do so.
Participants for whom Medicare is their primary plan are automatically enrolled in the LINECO-sponsored Express Scripts Medicare® Prescription Drug Plan (PDP), an insured group Part D plan. Express Scripts will provide you with information concerning your co-pays, covered and non-covered drugs, and instructions for using the mail-order and specialty pharmacies. They will also handle customer service, prior authorizations and appeals.
If you are a retired employee who is eligible for coverage through the Veterans Administration (VA), you may opt out of LINECO Retiree Benefits for yourself while maintaining LINECO Retiree Benefits for your spouse (at the single coverage rate). You can opt back into the Retiree Benefits program later, if you wish.
If your death occurs while you are making self-payments for Retiree Benefits for yourself and your dependents, your surviving spouse can continue to make self-payments for Retiree Benefits for herself and any dependent children. Surviving dependent children or a legal guardian may also be entitled to continue Retiree Benefits for a limited time.
The privilege of making self-payments by either you or your spouse to maintain eligibility for Retiree Benefits is not an "accrued benefit." The Trustees have the right to change, reduce or eliminate any and all aspects of benefits provided for retirees and their dependents, as well as the right to increase the retiree self-payment rate.
LINECO is a multiemployer self-funded, self-administered welfare benefit plan set up to provide medical, dental, vision, and disability benefits as well as Life Insurance for outside members of the International Brotherhood of Electrical Workers working under bargaining agreements between the International Brotherhood of Electrical Workers and the National Electrical Contractors Association.
Descriptions of benefits on this website do not constitute a guarantee of coverage or payment--all claims are subject to eligibility and Plan limitations at the time services are rendered.