| Q. |
Who is eligible to become a
Participant in the Plan? |
| A. |
Any person employed by an
Employer and covered by a Collective Bargaining Agreement or other written
agreement. You must be working or actively seeking work in Covered
Employment; you must have accumulated $1,000 in your account or have paid the
self-payments to the Contract Administrator on or before the 24th day of the
month; and you must complete the necessary enrollment forms as provided by
the Plan Administrator. |
| Q. |
How are the contributions
allocated to my account? |
| A. |
Contributions made to the Plan on your behalf will be
divided between your accounts will depend on the medical coverage level, if
any, you are receiving from the Plan.
After you have accumulated Contributions in your Health Care Account
of at least $1,000, Contributions (less any administrative fee) will be
credited to your account as they are received by the Plan from your
Employer. The following summarizes the
percentages in which your Contributions will be allocated between the Health
Care and Wage Accounts: |
|
Medical Coverage Level Health Care Account Wage Account |
|
Member Only 50%
50% |
|
Member + Spouse 80%
20% |
|
Member + Child(ren) 80%
20% |
|
Member + Family 90%
10% |
|
No Coverage (opt-out) 20%
80% |
| Q. |
What if I don’t work enough
hours to gain eligibility for the month? |
| A. |
If you are eligible for medical
coverage for the upcoming month, (that is you have least $1,000 in your
Health Care Account), but the amount in your Health Care Account is not
enough to cover the monthly charge for medical coverage without causing the
amount in your Health Care Account to go below $1,000, the monthly statement
will tell you the amount that you must self-pay in order to continue medical
coverage. |
| Q. |
How do I maintain my monthly
Health Care coverage? |
| A. |
Your eligibility for medical
coverage will be determined on a month-to-month basis. A monthly statement will be mailed to you
on approximately the 10th day of each month.
The monthly statement will tell you whether you are eligible for
medical coverage for the upcoming month.
If you are eligible for medical coverage for the upcoming month, (that
is you have at least $1,000 in your Health Care Account) and the amount in
your Health Care Account is enough to cover the monthly charge for medical
converge without causing the amount in your Health Care Account to go below
$1,000, the monthly charge will be paid out of the Health Care Account and
you will not need to take any action. |
| Q. |
What is the Wage Account? |
| A. |
Your Wage Account provides you
with Paid Time Off. You are entitled
to up to 75 days of Paid Time Off per calendar year. The amount of the Paid Time Off per day is
$200, but these benefits will not exceed the balance in your Wage
Account. In Order to receive Paid Time
Off, you must have enough funds in your Wage Account to cover all applicable
taxes in order to net the $200 per day pay. |
| Q. |
Whom should I call if I have
questions about my Health Care eligibility? |
| A. |
You should call the Fund Office
at (330)779-8865 for any questions regarding your eligibility. |
| Q. |
Who are my eligible dependents? |
| A. |
Eligible Dependent means (a)
your legally married spouse; (b) your child(ren) from date of birth until
twenty-six (26) years of age who is a blood descendant (child), or a legally
adopted child (including a child living with your during the adoption probationary
period of a child placed for adoption), or a stepchild (c) any unmarried
child(ren) age twenty-six (26) or older if they are disabled and incapable of
self-support because of the disability (certification of disability must be o
file with the Contract Administrator). |
| Q. |
How do I add my new baby or
spouse to my insurance plan? |
| A. |
You must notify the Contract
Administrator by no later than thirty (30) days after the marriage, birth,
adoption or placement (as applicable). |
| Q. |
Whom should I contact if I'm
getting a divorce and what documents do I need to submit? |
| A. |
You must notify the Contract
Administrator by no later than thirty (30) days after the divorce. You will need to provide a copy of your
certified divorce decree. |
| Q. |
How do I obtain a replacement
Medical and Prescription Card? |
| A. |
You can contact the Fund Office
and request that a replacement ID card be order with the Medical
provider. |
|
|
| Short Term
Disability Questions |
| |
|
| Q. |
Eligibility,
How do I become eligible for Disability Benefits. |
| A. |
If
you have Medical Coverage under the Plan and are not a Retiree, you are
eligible for the Plan's weekly Accident and Sickness Benefits. You may NOT receive
Accident and Sickness Benefits at the same time that you are receiving
unemployment compensation benefits or workers' compensation benefits. |
| Q. |
Does
the fund offer any extensions? |
| A. |
No,
the Fund does not offer any extensions. |
| Q. |
How
much does the Disability Benefit Pay per week? |
| A. |
The
weekly benefit is $324.85 or $46.41 per day. |
| Q. |
How
long can I collect a Disability Benefit? |
| A. |
A
maximum of 13 weeks. |
|
|
| Death/Life AD&D
Benefits |
| |
|
| Q. |
Are there any Death Benefits Available? How do I qualify for Death Benefits? |
| A. |
Yes,
if you have Medical Coverage under the Plan and you are not eligible for
Accidental Death and Dismemberment Benefits due to loss of life, you are
eligible for the Plan's Death Benefit. |
| Q. |
Is there a filing
limit for Death Benefits? |
| A. |
Up
to one year after the death of the member. |
| Q. |
How Much Does the
Benefit Pay? |
| A. |
If
you are covered under the Medical Coverage under the Plan, $15,000.00 is payable to your
beneficiary. The Plan provides a death
benefit in the amount of $2,000 for the loss of a spouse and $1,000 for the
loss of an eligible child wo meets the definition of Dependent Child. Retirees who have reached age sixty-five
(65) must pay a quarterly premium for the death benefit and may choose a $5,000
benefit for a $10,000 benefit. |
| Q. |
How are benefits paid out, who
receives the benefits when I pass? |
| A. |
It
is important that you have a proper beneficiary on record with the Fund
Office. If there is no valid
beneficiary designation on file, the death benefit will be paid to your
survivors in the following order:
Spouse, children, parents, brothers and sisters, your estate. |
|
|
| PCA /HRA
Reimbursement |
| |
|
| Q. |
Is there a minimum reimbursement
amount? |
| A. |
No,
there is no minimum reimbursement amount. |
| Q. |
Can I use the PCA
reimbursement account for Self payments? What about COBRA? |
| A. |
Yes,
but you must submit the payment for Self-Payment or COBRA prior to submitting
your request for reimbursement. |
| Q. |
Is the a filing
limit? |
| A. |
A
claim for reimbursement must be submitted within twelve (12) months from the
date that the related Health Care Expense was incurred. |
| Q. |
Can I lose my balance? |
| A. |
In
the event that for any two (2) year period: a) no Contributions have been
made to the Plan on your behalf; and b) you have not made any self-payments
to the Plan; and c)you have not made any request for reimbursement; and d)
you have not completed the necessary enrollment forms as provided by the Plan
Administrator and/or insurer of medical coverage under the Plan; then any
balance in your Health Care Account at the end of such two (2) year period
will be forfeited and added to the Fund's reserves. |
| Q. |
Is there a fee? |
| A. |
Yes, the Board of Trustees will charge a monthly
fee for all Health Care Accounts, including retiree accounts. The amount of the fee may be changed from
time to time at the discretion of the Board of Trustees. As of January 1, 2019, the monthly fee
charged to each Health Care Account is $25. |