Eligibility

For most benefit plans, you become eligible on the first of the month after you have completed the eligibility requirements.

If you’re a Residential Iron Worker of the Local 361 jurisdiction, you aren’t eligible for dental, optical, hearing aid, life insurance, Member’s Assistance Program, or Health Fund retiree benefits through your attainment of coverage earned in Residential Work.

For detailed eligibility information, refer to the Health Fund Summary Plan Description.

Benefit

Hospital, Medical, Prescription, Member’s Assistance Program, and Life Insurance

Dental and optical

Pension Fund

Annuity Fund

Topping Out Fund

Vacation Fund

Eligibility Requirements

You work at least 1,000 hours in covered employment within a 12-month period

Once you’ve maintained medical and hospital coverage for 24 consecutive months

You work at least 500 hours in covered employment within a 12-month period

Automatically eligible if your employer signed a written agreement to contribute to the Annuity Fund

Automatically eligible if your employer is required to make contributions to the Topping Out Fund

Automatically eligible when your employer makes contributions to the Vacation Fund

How to Enroll

You’re automatically enrolled in the Plan when you meet the eligibility requirements.

Your legal spouse and dependent children become eligible at the same time you do. However, you must submit a few items to the Fund Office before your dependents’ coverage will become effective. Here’s what you need to do:

Complete and submit a Dependent Affidavit (you must do this each quarter).
Provide proof of your dependent’s eligibility, such as a marriage, birth, or adoption certificate.
Provide the Social Security number for all dependents you want to enroll.

Making Changes

If you experience a change that affects your or a dependent’s eligibility, you must provide supporting documents within 60 days of the event. Please notify the Fund Office immediately if you experience any of the following changes in family status:

Marriage, divorce, or legal separation
Spouse or dependent gains or loses coverage under another health plan
Birth or adoption of a child
Death in the family
Change of address
Your employment status changes
A dependent child turns age 26
Changing your beneficiary

Your spouse or one of your other dependents should notify the Fund Office immediately in the event of your death.

Maintaining Coverage

Once you first become eligible for medical and hospital coverage through the Health Fund, you must work at least 220 hours in covered employment every other calendar quarter to maintain eligibility for the next two quarters. If you’re a Residential Iron Worker of the Local 361 jurisdiction, you must work at least 375 hours in covered employment each calendar quarter to maintain eligibility for the following quarter.

When Coverage Ends

Coverage ends:

On the last day of the calendar quarter following the quarter in which you don’t meet the hours requirement
31 days after you enter military service
On the date of your death
On the date the plan is discontinued

If you lose coverage, you may be able to continue coverage under the Plan through COBRA. Electing COBRA coverage means that you’re responsible for the full cost of coverage. Purchasing different coverage through the Health Insurance Marketplace at healthcare.gov may be a cheaper alternative to continuing your coverage through the Plan via COBRA.