GENERAL INFORMATION
WELFARE PLAN
  BENEFIT HIGHLIGHTS
  ELIGIBLE DEPENDENTS
  DESCRIPTION OF BENEFITS
  GENERAL EXCLUSIONS
  COORDINATION OF BENEFITS
  GENERAL INFORMATION
  PAY-DIRECT COVERAGE
  EXTENSION OF MAJOR MEDICAL AND DEATH BENEFITS ON AN EMPLOYEES' DEATH
  EXTENTION OF MAJOR MEDICAL AND DENTAL BEFEFITS IF SICK OR DISABLED
  NO BREAK IN SERVICE ARRANGEMENT
  DESIGNATION OF A BENEFICIARY
  BENEFITS PERTAINING TO PENSIONERS
  TERMINATED FORMER EMPLOYEES
  HOW TO SUBMIT CLAIMS
  TERMINATION OF WELFARE COVERAGE
  FUTURE OF THE PLAN
PENSION PLAN
MEMBER BENEFIT BOOKLET
 

 

WELFARE AND PENSION PLANS

Welfare Plan

COORDINATION OF BENEFITS

If you are an Employee or a pensioner covered under the Welfare Plan and your Spouse is a member of another group health plan, and you and/or your eligible dependent children are covered as dependents under that plan, claims must be submitted as follows:

  • A claim for your own expenses must first be submitted to the Elevator Welfare Plan.
  • A claim for your Spouse's expenses must first be submitted to your Spouse's plan. You are required to give the details of your Spouse's plan to the Plan Administrator, so be sure that you have completed a Coordination of Benefits form.
  • A claim for your dependent children's expenses must first be submitted to the plan of the parent having the earlier month and day of birth (e.g., if you were born in the month of January and your Spouse was born in the month of June, you would first claim against the Elevator Welfare Plan for the children's expenses).
  • If there are any unpaid expenses under (1), (2) or (3) above, you may submit a claim to the second plan for the balance of the claim.

Note: The combined reimbursement under both plans cannot exceed the total expenses incurred.


 

   

READ CAREFULLY, BUT REMEMBER…

This is a general outline of the Plans and its purpose is to explain as briefly and clearly as possible each of the benefits to which you are entitled. The benefits outlined under the Plans are subject to the terms and conditions of the Plan documents and Group Master Policies. If there is any conflict between this outline and the Plan documents and Group Master Policies, the Plan documents and Group Master Policies will apply in all cases. Also remember that no benefits are guaranteed and that the benefits can be changed by the Trustees at any time.

 
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