Health Care
Who is eligible to become a Participant in the Plan?
For new employees, if at least 300 hours are contributed by your employer for your work during a work quarter*, then you will have coverage in the next following eligibility quarter. For continuing eligibility, a plan participant continues coverage if he/she has either 300 hours in a work quarter*, or 600 hours in the preceding two work quarters. If you are an employee in a newly organized group, you will become eligible for benefits immediately, but if you fail to work 300 hours in the first three consecutive months, coverage will terminate until such time as you become eligible under the normal eligibility rules of the Fund.
*A work quarter is defined as follows: January 1 – March 31; April 1 – June 30; July 1 – September 30; October 1 – December 31.
What if I don’t work enough hours to gain eligibility for the month?
If you lose eligibility for the Fund because you terminate employment or your hours are reduced, you can elect COBRA continuation coverage. You might also be eligible for government-subsidized coverage, such as coverage from the Health Insurance Marketplace (‘the Exchange’).
How do I make a payment towards the continuation of my Health Care coverage?
Active members make payments towards the continuation of Health Care coverage directly through COBRA. Retirees may opt to either direct pay or continue Health Care coverage through COBRA.
Pension
How do I become a Participant in the Plan?
An Employee will become a Participant in this Plan as of the first day of the Plan Year following the year in which the Employee works 200 or more Hours.
I am going through a divorce, what happens to my pension?
If you are divorced AFTER you have retired, your pension will not change unless directed by a Qualified Domestic Relations Order (QDRO). If you are divorced PRIOR TO retiring, what happens to your pension will be dependent upon your divorce decree and any subsequent QDROs received. You should consult your attorney for a detailed explanation.
Who should I contact if I'm getting a divorce and what documents do I need to submit?
Please notify the Fund Office at (866) 553-6559 if you are getting a divorce and submit any Divorce Decrees, Property Settlement Agreements and/or Qualified Domestic Relations Orders.
Annuity
When can I start Participating in the Plan?
You are eligible to participate in the Plan if a Collective Bargaining Agreement (“CBA”) or Participation Agreement provides for you to participate in the Plan. The CBA or Participation agreement would be between an individual Employer or the Construction Contractors Council -- AGC Labor, Division Inc. and the Baltimore-Washington Construction and Public Employees, Laborers’ District Council of Washington, D.C. and Vicinity (the “Union”) or any of its affiliated local unions.
What is a Plan Year?
January-December
Do I need to do anything to enroll in the Plan?
Enrollment in the Plan is automatic. However, you should complete an enrollment form to ensure that the Plan Administrator has your correct address and contact information, and so that you can designate your beneficiary.