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

ELIGIBLE DEPENDENTS

Eligible dependents are your Spouse and your natural unmarried dependent children under 19 years of age who are not themselves eligible for coverage under the Welfare Plan as Employees. Dependent children 19 years of age and over who continue their education on a full time basis at an accredited school may be covered under the Welfare Plan until they reach age 25 provided they are not otherwise employed on a full time basis.  Proof of their full time attendance at school must be submitted to the Plan Administrator on an annual basis. 

Dependent children who are over the age of 19 and for medical reasons are totally dependent on you for support may be covered under the Welfare Plan provided they are not otherwise covered as an employee under their own benefit plan.  In order for a child to have coverage under this provision you must submit documentation to the Trustees for approval.

Note: Children who are not the member’s natural children are not covered unless the member legally adopts them.

On a case-by-case review by the Board of Trustees, eligible dependent coverage has been expanded to include non-biological dependent children where, per a sworn affidavit, the biological father cannot be located.  Documentation must be submitted to the Board of Trustees for review.


 

   

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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