Initial Eligibility

You become eligible to participate in the Health and Welfare Plan based on amounts credited to your Reserve Account from your employer’s contributions to the Plan as explained in the Summary Plan Description (SPD). 

You and your eligible dependents become eligible to enroll for benefits after you have worked, and your Employer has paid for, 500 hours in covered employment within a period of not less than three nor more than six consecutive months. If you lose eligibility, it will be reinstated after you have worked, and your employer has paid for, 500 hours in covered employment 

Contributions are applied to the month worked, not the month the contribution is received by the Fund Office. Your coverage may be delayed or applied retroactively if the employer contributions are not received when due. For more details about establishing and maintaining eligibility, see your SPD.

Dependent Eligibility

To enroll eligible dependents, be sure to add their information on the enrollment forms, or they won’t have coverage. Also include the original certified birth certificates and marriage certificates needed to add dependents. Contact the Fund Office at (800) 595-7473 if you need help.

Dependents may include your spouse or domestic partner and your natural or adopted children under age 26, provided they meet all the eligibility rules explained in the  SPD. Note: A child’s eligibility does not depend on the place of residence or dependent status under the tax code. For more information, about eligibility or benefits, contact the Fund Office at (800) 595-7473. 

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