Health & Welfare » Active

Plan A

Initial Eligibility

You and your covered Dependents become eligible on the first day of the second calendar month following a period of not more than 6 consecutive calendar months during which you work at least 400 hours for a Contributing Employer. You are eligible for benefits if you work for one or more Contributing Employers and contributions are required to be made to the Fund by a Collective Bargaining Agreement or a Subscriber Agreement. In some cases, if your Employer fails to pay your contributions, your benefits will be delayed or cancelled.

Lag Month

In order for there to be sufficient time for Employer reports to be received and processed by the Trust Fund Office, a “lag month” will be used in determining your monthly eligibility. The lag month is the month between the payroll period in which the hours were worked and the month of eligibility provided by those hours.

Continuation of Eligibility

Hours worked for Contributing Employers are credited to your "Hour Bank."  For each month of eligibility, 100 hours are deducted from your Hour Bank (lag month applies). You may accumulate up to a maximum of 600 hours in your Hour Bank. This will provide up to 6 months of future eligibility which is applied toward any COBRA Continuation period.

Summary Plan Description (Active H&W)

Plan B

Initial Eligibility

You and your covered Dependents become eligible on the first day of the second calendar month following a period of not more than 3 consecutive calendar months during which you work at least 280 hours for a Contributing Employer. You are eligible for benefits if you work for one or more Contributing Employers and contributions are required to be made to the Fund by a Collective Bargaining Agreement or a Subscriber Agreement. In some cases, if your Employer fails to pay your contributions, your benefits will be delayed or cancelled.

Lag Month

In order for there to be sufficient time for Employer reports to be received and processed by the Trust Fund Office, a "lag month” will be used in determining your monthly eligibility. The lag month is the month between the payroll period in which the hours were worked and the month of eligibility provided by those hours.

Continuation of Eligibility

Hours worked for Contributing Employers are credited to your "Hour Bank." For each month of eligibility, 100 hours are deducted from your Hour Bank (lag month applies). You may accumulate up to a maximum of 300 hours in your Hour Bank. This will provide up to 3 months of future eligibility which is applied toward your COBRA Continuation period.

Summary Plan Description (Active H&W)

Plan R

Initial Eligibility

You and your covered Dependents will become eligible on the first day of the second calendar month following the month in which you work at least 110 hours for a Contributing Employer. You are eligible for benefits (except life insurance and accidental death and dismemberment benefits) if you work for one or more Contributing Employers and contributions are required to be made to the Fund by a Collective Bargaining Agreement or a Subscriber Agreement. In some cases, if your Employer fails to pay your contributions, your benefits will be delayed or cancelled.

Lag Month

In order that there will be sufficient time for Employer reports to be received and processed by the Trust Fund Office, a “lag month” will be used in determining your monthly eligibility. The lag month is the month between the payroll period in which the hours were worked and the month of eligibility provided by those hours.

Continuation of Eligibility

Once eligibility is established, you will continue to be eligible for each month in which you work at least 110 hours for a Contributing Employer, provided your Employer makes the required contributions to the Fund on your behalf (lag month applies).

Summary Plan Description (Active H&W)

Flat Rate

Initial Eligibility

A Flat Rate Participant is defined as a Participant who is employed by a Contributing Employer in work not covered by a construction industry Collective Bargaining Agreement and who works a minimum of 17.5 hours per week within the 46 Northern California Counties. The Contributing Employer must have signed a Flat Rate Subscriber Agreement.

Salaried non-bargaining unit Participants and their covered Dependents become eligible for coverage on the first day of the month immediately following the date of hire.

Non-salaried full-time non-bargaining unit Participants and their covered Dependents become eligible for coverage on the first day of the fourth month following their date of hire.

You will be eligible for all benefits except Supplemental Weekly Disability benefits.

Lag Month

The Flat Rate Plan does not have a lag month as described in Plans A, B and R.  For the Flat Rate Plan, contributions for coverage are paid each month proceeding the month of eligibility.

Continuation of Eligibility

Once eligibility is established, your eligibility for coverage will continue if you work a minimum of 17.5 hours per week and your Employer continues to make the required contributions to the Fund on your behalf.

Summary Plan Description (Active H&W)

Stakeholders

A Stakeholder is a person who is an owner, partner, shareholder, member of the board of directors of a corporation, officer of an individual employer, superintendent above the rank of foreman or general foreman, or other individual who is in any other way interested in the profits of the employer– other than hourly wages earned or paid pursuant to a collective bargaining agreement. Please note that a Stakeholder is not eligible for Disability Extension benefits, Supplemental Weekly Disability benefits or COBRA Continuation coverage.

Initial Eligibility

If you are a Stakeholder, eligibility will be granted only if all contributions due on behalf of all hours for all Participants are current and all delinquencies are resolved.

Continuation of Eligibility

You must equal or exceed an average of 145 hours during the three most current work months in order to have continued eligibility.

Summary Plan Description (Active H&W)