Friday, May 16, 2025

Frequently Asked Health Care Questions


Q.

Who is eligible to become a Participant in the Plan?

A.
Active, Non-Bargaining, Early Retire, Spouses, Eligibility Dependents, Retiree Surviving Spouses/Dependents
Q.

How do I become initially Eligible for benefits?

A.
You will become eligible to be covered by the Plan on the first day of the month following completion of 520 hours of covered employment within a 12-month period. This is your “eligibility date.” For example, if you start working in June, and by August you have completed a total of 520 hours of covered employment, you will be eligible for coverage starting September 1, and September 1 is your “eligibility date.”
Q.

What if I don't work enough hours to gain eligibility for the month?

A.
If you do not work enough hours to maintain eligibility, you are allowed to make a self-payment for that month's coverage.
Q.

When is Self-Payment Due?

A.
Self-payments are due the last day of the eligibility month.
Q.

How do I maintain my monthly Health Care coverage?

A.
To continue eligibility you must work 100 hours per month or, if applicable, make a self-payment in the amount set by the Trustees.
Q.

How do I make a payment towards the continuation of my Health Care coverage?

A.
To make a self-payment you can use your IHRA, if you have funds available. You must request that the payment be deducted from your IHRA the options to do this will be listed on the self-pay notice. Or you can mail a check to P.O. Box 328, Troy, MI 48099
Q.

Whom should I call if I have question about my Health Care eligibility?

A.
Please call the Benefit Office at 888-390-7473 ext. 3 with any questions.
Q.

Who are my Eligible Dependents?

A.
Eligible dependents are your spouse, natural children, step-children and adopted children.
Q.

Will my child(ren) who is/are age 19 through age 26 be covered under the plan?

A.
Your children can remain on your plan till the end of the month of their 26th birthdate.
Q.

How do I add my new baby or spouse to my insurance plan?

A.
To add any dependents to your insurance plan, you will need to complete a Vital Information form. Along with that form you will also need to mail in documents. To add a spouse to your insurance please mail in a copy of the marriage certificate and birth certificate. For natural children or step children, please mail in a copy of their birth certificate.  Adoption paperwork is needed for adopted children.
Q.

Whom should I contact if I'm getting a divorce and what documents do I need to submit?

A.
Please contact the Benefit office when getting divorced, you will need to send in a copy of your divorce degree. For further instructions please contact the fund office at 888-390-7473 ext. 3 with any questions.