HEALTH DEPARTMENT

Eligibility Requirements as a Retiree

In addition to satisfying the Benefit Period and Pension Credited Service requirements, you must be considered an Eligible Active Participant in the Health & Welfare Fund at the time of retirement in order to continue coverage beyond they point of retirement. Please see pages 1-4 of the Retiree Medical Coverage SPDs for more information on Benefit Period and Pension Credited Service requirements.

Note: Participants who are not eligible for health benefits at the time of retirement will not be able to continue health benefits into retirement.

Retiree Class I Medical Coverage SPD

Retiree Class II Medical Coverage SPD

Retiree Health Coverage effective January 1, 2020

Both Class I and Class II Benefit Coverages are the same as an Active Participant.*

*Please note: Coverages may differ for Medicare Participants. Click here for Medicare coverage details.

CLASS I

Retiree Health Coverage

Requirements:

30 Credited Pension Years
60 Consecutive Benefit Periods

CLASS II

Retiree Health Coverage

Requirements:

25 Credited Pension Years
50 Consecutive Benefit Periods

Class I Monthly Co-Payments

For Health & Welfare Coverage

(amounts are automatically deducted from monthly Pension payments)

Non-Medicare Eligible Under 62

$135 per month

MONTHLY COPAYMENT
Participant $135
Spouse $135
Child/ren (under 26)* $135

Non-Medicare Eligible 62 to 64

$100 per month

MONTHLY COPAYMENT
Participant $100
Spouse $100
Child/ren (under 26)* $135

Medicare Eligible Participants

$25 per month

MONTHLY COPAYMENT
Participant $25
Spouse $25
Child/ren (under 26)* $135

*The co-payment for a Child or Children is the same regardless of the number of children.

Class II Monthly Co-Payments

For Health & Welfare Coverage

(amounts are automatically deducted from monthly Pension payments)

Non-Medicare Eligible Under 62

$250 per month

MONTHLY COPAYMENT
Participant $250
Spouse $250
Child/ren (under 26)* $250

Non-Medicare Eligible 62 to 64

$215 per month

MONTHLY COPAYMENT
Participant $215
Spouse $215
Child/ren (under 26)* $250

Medicare Eligible Participants

$25 per month

MONTHLY COPAYMENT
Participant $25
Spouse $25
Child/ren (under 26)* $250

*The co-payment for a Child or Children is the same regardless of the number of children.

Click to enlarge

RETIREE HEALTH COVERAGE FAQs

What is considered "Consecutive" in the Pension Plan?

What is considered "Consecutive" in Health & Welfare Coverage?

What options are available if I do not retire with health coverage?

As a Retired Participant, what are my spouse's healthcare options if I pass away?

In the event a member passes away, their spouse will be entitled to healthcare coverage for the duration of the current six-month eligibility period, plus an additional 12 months of coverage.

For example:

If you are to pass away in January 1st, your spouse would be entitled to healthcare for the duration of the benefit period ending April 30th.
Then the additional 12 months would carry them through April 30th of the following year.

The cost for this healthcare coverage would be automatically deducted from your monthly Pension or lump sum Death Benefit.

COBRA Coverage

After the additional 12 month period, the surviving spouse will have the opportunity to purchase COBRA insurance through the Fund for up to 36 months.

Monthly COBRA costs are subject to change each your on January 1st.

What is the Health & Welfare Death Benefit for Retired Covered Participants?

If You Pass Away...
Death benefits are provided to eligible, Retired Covered Participants. If you are an eligible, Retired Covered Participant, your beneficiary will receive a death benefit of $1,000 upon your death.

You may name anyone you wish as your beneficiary at any time by filling out the proper beneficiary designation form.

If your beneficiary causes your death, no death benefit shall be paid to that person.

An application must be filed with the Fund Office to claim these benefits. If these benefits are denied by the Fund Office, your beneficiary can appeal under the applicable procedures in the Death Benefits Appeals section of the SPD.