You are eligible to participate in the Plan if you are:

a. An active Employee reported by your Participating Employer for Social Security purposes; AND

b. Your Participating Employer is contributing to the Plan on your behalf.

2. Temporary Employees, as defined in the applicable Collective Bargaining Agreement, are not eligible for coverage under the Plan.

3. If a Collective Bargaining Agreement or other agreement requiring contributions to this Plan requires that you complete a probationary waiting period before becoming eligible to participate in the Plan, your coverage will begin on the first day of the month following the day you complete your Participating Employer’s probationary waiting period and submit an enrollment form (see Section 1.3, on page 3). See your Collective Bargaining Agreement or Participating Employer for complete details on your probationary period.

Eligibility will continue as long as you continue working for the contributing employer and the Employer reports and pays the required contributions.

Please contact the Benefit Office at 314-656-1084. 

1. If you are eligible to participate in the Plan, your Dependents may be eligible to participate in the Plan. See your current Collective Bargaining Agreement to determine if you have Dependent coverage. If your Collective Bargaining Agreement provides for Dependent coverage, your Dependents include:

a. Your Spouse;

b. Your Child who is less than twenty-six (26) years of ;

c. Your unmarried Child age twenty-six (26) or older who is incapable of self-sustaining employment because of limitations, mental or physical, if the following conditions are met:

1) The Child became disabled before age twenty-six (26);

2) The Child has remained disabled;

3) The Child is incapable of self-sustaining employment because of his or her Disability‘

4) Proof of the Child’s mental or physical limitations is submitted to the Trustees within thirty-one (31) days after the date the Child’s eligibility would otherwise terminate due to attaining age twenty-six (26) and continued proof of Disability is submitted each year to the Trustees.

2. “Child” means any of the following:

a. Your natural child;

b. An adopted child, including any child who has been placed with you in anticipation of legal adoption; or

c. A step-child or foster child.

3. If you have a Child whose coverage under the Plan is required pursuant to a Qualified Medical Child Support Order (QMCSO) or other Court or Administrative Order requiring the Employee to provide medical coverage for the Child, the determination of whether the Order satisfies the requirements of §609 of the Employee Retirement Income Security Act of 1974 (ERISA) will be made by the Plan in accordance with its procedures. By written request, you may obtain (without charge) a copy of the Plan’s procedures for reviewing a Medical Child Support Order to determine whether it meets the requirements for recognition as a QMSCO. This Plan will not provide primary coverage for a Child if there is a Court or Administrative Order requiring someone else to provide coverage. In the event the person required to provide coverage fails to do so, this Plan will pay as if another plan was paying primary.

4. A Spouse or Child may not be covered as your Dependent if he or she is covered under the Plan as an Employee, unless specifically required by a Collective Bargaining Agreement.

5. The Trustees reserve the right to require adequate proof of Dependent status, including but not limited to certified copies of Marriage Licenses or Certificates, Birth Certificates, Adoption Certificates, or other legal documents placing the Dependent in your custody.

If you are enrolled for Family Coverage when first eligible, your Dependents will be covered on the same date your coverage begins. If you acquire another Dependent after coverage begins, you may add coverage for this Dependent by completing an enrollment form within thirty-one (31) days of the event (birth, adoption or placement for adoption, or marriage) in which case coverage is retroactive to the date the person became a Dependent. If you fail to notify the Benefit Office within thirty-one (31) days, your Dependent’s coverage will begin on the 1st of the month following notice to the Benefit Office. 

For example, if you get married on February 1 but do not tell the Benefit Office about the marriage until November 20, at which time you also tell the Benefit Office that your Child was born November 15, your Child will be covered effective November 15 (because the Benefit Office was notified within thirty-one (31) days) but your Spouse will be covered effective December 1.

Please contact the Benefit Office at 314-656-1084. You will need to complete a new Enrollment Form along with a copy of your Divorce Decree, and you should complete a new Beneficiary Designation Form.

Please contact the Benefit Office at 314-656-1084.

You may check your medical claim status online at www.myuhc.com, and registering for secure online access, or you may call United Healthcare at 888-607-5214.