H & W, HRA, Benevolent Fund
Administrator:
Robert W. Rybak
Trustees:
Labor Trustees:
Jerry Gasiewski
Matt Ospelt
Jay Marotta
Management Trustees:
Tim Lavelle - Chairman
Rick Mohar
John Marotta
Hours: Open 8:00 – 4:30 Mon – Fri
H & W
In order to have health coverage you must work 154 continuous hours to have your coverage started. At this time there are 3 plans to choose from. Depending on your classification will determine what plan you may want to choose.
- High Plan – is an HMO product through Medical Mutual. You must use Medical Mutual's providers. In order for your health coverage be covered you must work a minimum of 100 hours a month for a commercial journeyman (single) and 145 hours a month for a commercial journeyman (family). If you fall under any other classification your hours would be 133 a month (single) and 193 a month (family). This plan does have prescription coverage.
- Mid Plan – This is a PPO product through Medical Mutual. This plan has in and out of network coverage and you can use what ever doctor you would like. Of course if you use an out of network doctor your out of pocket expense will be more. For a commercial journeyman you must work 85 hours a month (single) and 120 a month (family). All other classifications you must work 114 hours a month (single) and 160 a month (family). This plan does have prescription coverage
- Low Plan – This is also a PPO plan with higher deductibles and co-insurance and does NOT have prescription coverage. For a commercial journeyman you must work 70 hours a month (single) and 95 hours for (family). All other classifications must work 93 hours a month (single) and 126 hours (family)
All three plans are with Medical Mutual. Once you have worked the required 154 hours you will receive a Summary Plan Description book along with all information regarding the above information. Once an application is received you will be active the 1st of the following month. If NO application is turned in you will default to the Low Plan.
Along with the health coverage you will automatically be enrolled in to the Vision Plan.
This coverage is through Union Eye Care. You will receive this information with your SPD.
You must also fill out a beneficiary card and return to the Health & Welfare Office. If you should pass away as an active member your beneficiary will receive $5000.00. If you pass away after you retire your beneficiary will receive $1500.00.
If you work more than the required amount of hours per month, after paying your health insurance the difference goes into an ending bank which will help you in the event that you do NOT work enough hours in any month.
HRA (HEALTH REIMBURSEMENT ACCOUNT)
For every hour that you work, your contractor will contribute a certain dollar amount depending on your classification. This account is used for reimbursement of out of pocket medical expenses. The money you earn can not be lost except if you leave the Union. The money will roll over year after year. Our plan year is from May 1 thru April 30th. You have until July 31 to turn in any receipts for that time frame. The types of things you can be reimbursed on are: copays at the doctor, prescription copays, dental & vision bills. The bill must be paid to be reimbursed and the date is on the date of service not date of payment.
Cancelled checks, cash register receipts and credit card receipts are not acceptable. Statements from the provider, EOB’s and prescription printouts or ticket on bag are acceptable. You must fill out a claim form and turn in with all receipts. Checks are printed on the 1st and the 15th give or take if they land on a weekend.
BENEVOLENT FUND
This fund is used if for health insurance you have used up your ending bank and are short for your monthly health coverage. This fund is a grant to the employee and does not need to be repaid. The requirements for this grant are: you must have worked a minimum of 480 hours for the prior 12 months that you are requesting help. You must fill out a Benevolent Fund Application and returned to the health & welfare office by the due date.
If you have not worked the required 480 hours you may self pay the entire amount for 6 months. After six months you will have to choose C.O.B.R.A. or have your health insurance cancelled. |