Health: Eligibility, Prescriptions, Retirement
Other:Pension DB, Pension DC, Vacation

ANSWER: After your employer has reported at least 200 hours, the Administration Office will mail all enrollment and eligibility information.

ANSWER: To become eligible for benefit coverage, you must work at least 375 hours within a six-month period. Your benefit coverage begins on the first of the month two months later, provided your employer has made the required contributions on your behalf. (For example: If you begin working in October and by the end of January have completed 375 hours of service. Since you met the eligibility requirements in January, your coverage would begin March 1.

ANSWER: Between the first and the fifteenth of the month after the month you worked the hours.

ANSWER: March. The Plan uses a skip month eligibility method to determine eligibility. (For example: you work 135 hours in January, the Trust Funds receive the contributions for those hours in February for March coverage.)

ANSWER: You maintain benefit coverage as long as you work 135 hours per month and your employer has made the required contributions. Hours in excess of the 135 required to maintain eligibility are credited to your reserve bank, up to a maximum of 810 hours equivalent to a six month reserve bank. If you work less than 135 hours in any month and have a large enough reserve balance, your reserve balance will be used to maintain your benefit coverage.

ANSWER: All of your eligible dependents; eligible dependents are your legally married spouse and unmarried children from birth to 19 years. See this page of your SPD for a complete definition of dependents and initial eligibility requirements.

ANSWER: Children must be unmarried, under the age of 19 (or 25 if a full-time student) and qualify as your dependent for income tax purposes. The Trustees may require proof of eligibility, such as income tax returns showing dependency of the child. A court or state administrative agency may issue a Qualified Medical Child Support Order (QMCSO) that requires a group health care plan to provide medical benefits to a participant's child. Contact the administrative office for further details about the Plan's rules and procedures for administering QMCSOs.

ANSWER: Children who are attending an accredited college or university on a full-time basis are eligible up to their 25th birthday. You need to provide proof every semester of full-time enrollment (12 units) in an accredited college or university to the Trust Funds Office.

ANSWER: Contact the Trust Fund office and complete a new enrollment form and provide all of the required documents. (i.e. - Marriage Certificates or Birth Certificates) There is an additional form to fill out if you are covered by Kaiser: the Kaiser form must be returned within 31 days of acquiring a new dependent.

ANSWER: Yes, the Plan will provide you with Union Labor Life Insurance Company (ULLICO) I.D. cards for medical/dental coverage and Pharmaceutical Care Network (PCN) I.D. cards for prescription coverage. I.D. cards will also be provided by Kaiser.

ANSWER: Once you make your plan selection, you can change plans only during the annual "Open Enrollment" period. "Open Enrollment" occurs only in the month of December and will be effective January 1st.

ANSWER: Make sure that you have completed the reciprocity forms from the local you have traveled to and notify the Local 447 Trust Funds office. For hours worked outside the jurisdiction of Local 447, you will receive pro-rated credit for those contributions, based on the Journeyman contribution to this Plan. There is typically a lag period of at least 30 days before this Plan receives reciprocity contributions, which may result in an interruption in coverage and possibly a COBRA notice. (i.e. - you worked in May, those hours get reported to that local in June, and then are reciprocated to Local 447 in July or August)

ANSWER:

1. To get maximum benefits, you should use Interplan providers. Directories of Interplan providers are available from the Administration Office. You may also call Interplan to find out if a provider is on their list.
   
   
2. You need to choose a primary care physician (PCP)
   
   
3. You must call Interplan for pre-certification for some services other than visits to your primary care doctor.
   
   
4. Visits to emergency rooms for medical services are only paid at 50% if the Plan doesn't receive written authorization from your PCP.
   
   
5. The amount you owe a provider is shown on the explanation of benefits as member balance.
   
   
6. Get your prescriptions filled at a PCN pharmacy.

ANSWER:

1. You must receive all of your medical services at a Kaiser facility.
   
   
2. You pay your co-payment at the time of the visit.
   
   
3. If you are an active member, you must get your prescriptions filled at a PCN pharmacy. If you are a retiree, get your prescriptions filled at Kaiser.