Employees and eligible dependents who meet the requirements and have enrolled for coverage.

If you do not maintain eligibility, you will receive a COBRA notice advising of your continuation options.

Once you have earned initial eligibility, you will continue to earn three-months of eligibility, called Coverage Quarters.  You will stay eligible as long as you work at least 300 hours in the Eligibility Quarter, or 550 hours in two consecutive Eligibility Quarters and the Fund receives employer contributions for those hours.  

If you choose to continue coverage through COBRA, payment should be made to the Fund Office by check or money order.

Contact the Fund Office at (410) 884-1406. 

Your spouse and children. This includes a legally adopted child or a child who is placed with you for adoption, age 26. Stepchild(ren) are only covered if they live with you and you are financially responsible for them.

Yes! If they are enrolled on your plan, they will be covered to age 26 years old. 

Complete and submit a new Benefit Enrollment Form to add a newborn, along with the proof of birth, which will cover the child initially for 90 days.  Submit the copy of the birth certificate and Social Security card to add the newborn on the plan permanently.

Complete and submit a new Benefit Enrollment Form to add a spouse, along with a copy of your marriage certificate.  A copy of your spouse’s birth certificate should be provided as well.

You must complete and submit a new Benefit Enrollment Form to the Fund Office with a copy of your final divorce decree. 

Contact the Membership Services Department of the Fund Office at (410) 884-1406. 

Contact the Claims Department of the Fund Office at (410) 884-1406. 

Covered employees are provided with a Life Insurance Benefit under the Regular Plan and the NPL Plan and amounts vary depending on which Plan you are eligible under. The Regular Plan provides a Life Insurance Benefit for COBRA Retirees and coverage can be continued after Retiree COBRA coverage ends. For more information, contact the Fund Office at 410-884-1406.

Yes. Your beneficiary must apply for Life Insurance Benefits within one year after your death.

Benefits are paid out by the insurance company. The benefits are payable to the designated beneficiary listed by the employee on the most recent Benefit Enrollment Form. If you do not have a validly named beneficiary, your benefits will be paid to the first living person (or persons) on this list: (1) your spouse; (2) your children (natural or adopted); (3) your parents; (4) your brothers and sisters; (5) your estate.

Under the Regular Plan, your disability must begin while you have Active coverage.  Benefits are available while you are disabled due to a non-job related accidental injury or illness. Contact the Fund Office for more information about conditions and limitations.

The NPL Plan does not provide disability benefits.

 Under the Regular Plan, $40 a day if hospitalized and $30 a day while you are not hospitalized.

Under the Regular Plan, you may receive benefits for up to 13 weeks during a 12 consecutive month period. You may be eligible for an additional 13 weeks if (1) you must stay in the hospital or (2) your physician fills out the proper forms to say that after 13 weeks, you are totally disabled. For this purpose, totally disabled means you cannot perform the duties of your job for at least 12 more months because of your physical condition.

CVS Caremark

You may call CVS Caremark at 866-282-8503 or click on the CVS/Caremark link on the right side of the page.

Call American Health Holdings at 800-641-5566.

Contact the Fund Office at 410-884-1406.

To find a CIGNA Dentist, contact 1-800-797-3381 or visit cignadentalsa.com

Vision benefits are paid as member reimbursement. Member can choose to go to any vision provider. Contact the Fund Office at 410-884-1406 for benefits and limitations.