When will my eligibility terminate (Loss of Eligibility)?

Employee:

An Employee’s coverage under the Plan shall terminate upon the occurrence of any one of the following:

  • Termination of Plan;
  • The date an Employee for an employer who ceases to be or is not a contracting party to a Collective Bargaining Agreement with the Union that requires contributions to this Fund. Any established Credit Hours and Credit Hours Bank are also forfeited in such instances;
  • For a non-bargaining-unit Employee, at the end of the second month for which his Employer has failed to contribute to this Fund on his behalf;
  • The date a Participating Employer on behalf of himself and/or his non-bargaining-unit employees, drops coverage voluntarily as a group. In such instance, the Participating Employer and/or his non-bargaining unit Employees may not reestablish eligibility until the Collective Bargaining Agreement with the Union is renewed;
  • The date the Employee becomes a full-time member of the armed forces of any country. For active duty in the military services of the United States, such date will be the date of active duty on his or her “Activation Orders”. Active duty as a member of a reserve component of any such armed force for a training period not exceeding one (1) month shall not be considered active duty until the expiration of such training period or one month, whichever occurs first.
  • The date of expiration of the period for which the Employee last made the required contribution, if the coverage is provided on a contributory basis (For example, Employee is self-paying the cost of the benefit);
  • At 12:01 midnight on the first day of the month in which the Employee has less than 138 Credit Hours of covered employment required to maintain eligibility status and the employee fails to self-pay for his or her benefits in accordance with Extension of Coverage provisions in Section 6 of the SPD.

Retiree:

A Retiree’s coverage under the Plan shall terminate upon the earliest of the following:

  • Termination of Plan;
  • Expiration date of the coverage period for which the Retiree last made the required contribution for the cos of his benefits;
  • First day of the calendar month in which the Retiree becomes eligible for Medicare;
  • First day of the calendar month in which Retiree attains age 65 or the first day of the calendar month a Retiree’s spouse attains age 65 if the Retiree is over the age of 65; or
  • First day of the calendar month in which the Retiree declines medical and/or vision coverage through the Fund.