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LOCAL UNION 831
HEALTH & PENSION BENEFITS

Local 831 Health & Pension Trust
4399 Santa Anita Avenue, Suite 150
El Monte, CA  91731

Tel:  (877) 572-7005 (Toll-Free in CA)
Tel:  (626) 279-3080
Fax: (626) 279-3055

Health Plan
Health Benefit Highlights
Important Phone Numbers
Pension Plan

Health Plan

Selecting a Health Plan Coverage Level

To secure continuous eligibility for Health coverage, select a Plan level with the monthly hour requirement that best matches your work hours. 

 

Initial Eligibility

Initial eligibility begins on the first day of the fifth month of a period that begins with three consecutive months during which you average the minimum hours required for the coverage level that you selected, so long as you worked at least 25 hours in the 1st month.  (See Eligibility Requirement Chart below)

 

Eligibility Requirements

The minimum monthly work hours required to be eligible for Health Plan benefits under all Plan coverage levels is outlined below.  The current contribution rate effective 9/1/2007 is $4.60 per hour.

Eligibility Requirement Chart

PLAN COVERAGE LEVELS

LEVEL 1 LEVEL 2 LEVEL 3 LEVEL 4
Minimum Hours Required 140 120 90 70
*Benefit Credits Required 644 552 414 322
Maximum "Bank of Benefit Credits" 3,220 2,760 2,070 1,610

* Benefit Credits   =   Hourly Contribution Rate ($4.60)   x   Minimum Hours Required

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Bank of Hours/Benefit Credits

Hours worked in excess of the minimum required under the coverage level that you selected will accumulate in your "Bank."  The "Bank," also known as "Bank of Benefit Credits" or "Bank of Hours" is your reserve benefit credits available to you to maintain your monthly eligibility as needed, until there are insufficient credits available to use for a month's eligibility.  You may accumulate up to a maximum of five months of Benefit Credits/ Hours in your "Bank."

 


Health Benefit Highlights


Child Immunizations - Indemnity Plan

Child immunizations are covered up to age 18 as follows:

     100% of UCR - subject to no deductible
     100% of PPO rate  - subject to no deductible

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Sealants - Indemnity Dental Plan

The Plan will cover sealants for first and second molars for dependent children up to age 15.  This benefit, however, is limited to once every three years.

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Prescription Drug Mail Order - Indemnity Plan

Prescription drug mail order member co-payment has been reduced from 20% to 10% per prescription through Paid Prescriptions, Inc.  Please note that all "Maintenance Drugs" must be supplied through the "Mail Order" program. Prescriptions will be paid as follows:

Plan pays-

(subject to no deductible)
80% of allowable charges- Retail ( pharmacy ) -subject to no deductible
90% of allowable charges- Mail Order - subject to no deductible

Note: All retail prescriptions must be purchased at Medco Network Pharmacies. Most major pharmacies are on the Plan. To confirm that your pharmacy is on the Plan, call (800) 711-0917.

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Important Numbers  
Blue Cross of California   www.bluecrossca.com (800) 274-7767
Kaiser Permanente     www.kaiserpermanente.org (800) 464-4000   (Multi-lingual)
(800) 788-0616
   (Spanish)
Medco  (Member Services)    www.merckmedco.com (800) 711-0917

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Pension Plan

What does it mean to be Vested?

To be vested is to have a non-forfeitable right to a benefit.  Participants who worked on or after July 1, 1997, become vested after five (5) years of vesting service.

 

Effective Dates Vesting Service
before 1/1/1976 Defined under the Plan terms as then in effect, rounding up any fraction of a year to the next full year.
after 1/1/1976 and before 1/1/1995 Vesting Service Year = 1,000 or more Hours of Service in a Plan year
1/1/1995 Vesting Service Year = 500 or more Hours of Service in a Plan year

 

For up-to-date and detailed information regarding your Pension benefits, please contact the 831 Pension Trust office at (877) 572-7005.

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Last Updated:  05.03.2007