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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.

When do I become eligible for benefits?

To achieve and maintain eligibility to participate in the Plan in any given month, an Employee must have accumulated at least 138 “credit hours” in any month to acquire eligibility three months from the first month the employee worked the 138 “credit hours”.

If you fail to meet the minimum Credit Hours within twelve months, any Credit Hours in the Credit Hours Bank that remain unused for twelve months from when they were earned, will be forfeited on the last day of the twelfth month following the month in which the Credit Horus were earned.

Who are my eligible dependents?

A dependent is a legal spouse of an Employee or Retiree (excluding common law marriages), any child under age 26.  For these purposes a “child” will include:

  • A retiree’s or employee’s natural child,
  • A legally adopted child or child legally placed with employee or retiree for adoption,
  • A stepchild, or
  • A child who the employee or retiree is required to provide coverage due to a Qualified Medical Child Support Order (QMSCO). Such determination is made by the Plan sponsor in accordance with its written procedures which are available free of charge upon request.

Are Dental benefits covered under the Plan?

Yes. Dental benefits are covered under this plan, the members have the option of Delta Care USA HMO Plan  or Delta Dental PPO.

If you work for Oldcastle your dental option is Delta Dental HMO plan.

Which are my Medical Plan options?

Most members can choose between Kaiser HMO plan or  Aetna HMO plan.

If  you work with Oldcastle your only option is the Kaiser HMO plan.