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 9/1/2009 is $5.70 per hour.
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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
Prescription Solutions Pharmacies. Most major pharmacies are on the Plan.
To confirm that your pharmacy is on the Plan, call (800) 797-9791, or check their website at www.prescriptionsolutions.com
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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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|