Summary of Eligibility Rules

SELF-PAYMENT PLAN FOR WIDOWS/WIDOWERS AND OTHER DEPENDENTS

ACTIVE – If the deceased participant was an ACTIVE member and eligible for Health & Welfare coverage at the time of death, coverage for his/her spouse and other dependents will continue, using up coverage for all reserve hours plus an additional six months.  This coverage is provided at no charge.

After those extensions of eligibility have been used, a widow/widower who has not remarried or is not eligible for other group insurance (other than Medicare), or other dependent (without other group insurance), may participate in the Active Health & Welfare Plan as long as the monthly fee required by the Board of Trustees is paid.  That fee is subject to change.  Complete details are provided upon the death of the participant.  When the widow/widower reaches age 65, she/he may be covered by the Retiree Plan, but Medicare would be the primary carrier.

RETIREE – If the deceased participant was a RETIRED member and eligible for Health & Welfare coverage, his/her spouse and eligible dependents who were covered by the Plan at the time of his/her death will remain covered for the month during which she/he died as well as an additional six months at no charge.

At the end of that period, a widow/widower who has not remarried or is not eligible for other group insurance other than Medicare, or other dependent without other group insurance, may continue coverage as long as the monthly fee required by the Board of Trustees is paid.  As with the Active Plan, that fee is subject to change.

Your application and payment must be received by the Fund Office within 31 days following notification of loss of eligibility.  Payments must be made consecutively without interruption or you must wait until Open enrollment to re-enroll in the Plan.  (Open Enrollment Forms, click here).

Eligibility under the self-payment program will terminate on the date the dependent spouse remarries or becomes entitled to any other group coverage, other than Medicare.

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