To be considered an Active Covered Participant, you must be in the Eligible Class and either have 600 or more Credited Hours in the consecutive 6 calendar month period or have 1,200 or more Credited Hours in the consecutive 12 calendar month period.

Credited Hours are used to determine your eligibility to receive benefits under the Plan. Credited Hours are a combination of:

• • Payment Hours, also called "Contribution Hours" (hours you worked for which employer contributions are made to the Health and Welfare Fund for your work).

• • Delinquent Hours are hours you worked for which employer contributions are due but which have not been paid (through no fault of yours) to the Health Fund for your work by the delinquent employer. You must provide evidence of your work such as a pay stub or similar record to the Fund Office to receive credited hours.

• • Weekly Disability or Workers' Compensation Hours. (Currently, you may receive credit for up to 30 hours per week to a maximum of 104 weeks),

• • School hours for Apprenticeship training with the Joint Apprenticeship Committee.

• • Qualifying Family and Medical Leave of Absence, and

• • Qualified Military Service. Military service up to 5 years for the United States is credited if you leave work with a contributing Plan employer for military service and return within the periods provided by law. You must present yourself for work in Covered Employment:
    (a) within 90 days after your discharge from military service over 180 days, (b) within 14 days for military service between 30 and 180 days and (c) immediately for service under a month. For military service before 1994, you had to return to Covered Employment within 90 days of discharge regardless of the length of your military service. Military service for the United States is also credited if you leave work with a contributing Plan employer for military service and you either pass away or become disabled after December 31, 2006 while performing military service. Service is credited as though you had returned to work on the date of your passing or on the date of the onset of your disability. Hours credited for Qualified Military Service are treated the same as "Payment Hours."

Credited Hours are used to determine your eligibility and benefits from the Fund. In order to receive credited service you must obtain Credited Hours.

Credited Hours are a combination of:

• Payment Hours, also called "Contribution Hours" (hours you worked for which employer contributions are made to the Pension and Annuity Fund for your work).
• Delinquent Hours are hours you worked for which employer contributions are due but which have not been paid to the Pension and Annuity Fund for your work by the delinquent employer. You must provide evidence of your work such as a pay stub or similar record to the Fund Office to receive credited hours.
• Weekly Disability Hours for which you receive benefits from the Eastern Atlantic States Carpenters Health Fund. (Currently, you may receive credit for up to 30 hours per week to a maximum of 104 weeks per disability without an intervening return to work for at least 500
  hours.)
• School hours for Apprenticeship training with the Joint Apprenticeship Committee.
• Qualified Military Service. Military service up to 5 years for the United States is credited if you leave work with a contributing Plan employer for military service and return within the periods provided by law. You must present yourself for work in Covered Employment:

(a) within 90 days after your discharge from military service over 180 days, (b) within 14 days for military service between 30 and 180 days and (c) immediately for service under a month. For military service before 1994, you had to return to Covered Employment within 90 days of discharge regardless of the length of your military service. Military service for the United States is also credited if you leave work with a contributing Plan employer for military service and you either pass away or become disabled after December 31, 2006 while performing military service. Service is credited as though you had returned to work on the date of your passing or on the date of the onset of your disability. Hours credited for Qualified Military Service are treated the same as "Payment Hours."

• Reciprocal Hours. You are credited with hours for which contributions are paid to the Pension & Annuity Fund under the United Brotherhood of Carpenters & Joiners of America National Reciprocal Agreement

"Eligible Class" means those persons whose chief source of livelihood is work at Covered Employment, and who, at any given time, are working in Covered Employment; are ready, willing, and able to work at Covered Employment; or, are seeking work in Covered Employment.

You will be considered an "inactive" participant if you have less than 200 Credited Hours during any Plan Year. You may also become "inactive" earlier if you cease to be available for and seeking Covered Employment. When you work again in Covered Employment for 800 or more Credited Hours in a Plan Year, you will become an active participant at the end of the Plan Year.

No, Disability Benefits are for the member only. Spouses and Dependent Children are not eligible.

Yes, You must be eligible for benefit coverage in both the Benefit Period in which the illness or injury occurs and the Benefit Period prior to the onset of the illness or injury.

You should report and apply for these benefits within 30 days of the injury or illness.