Health Coverage Eligibility

Initial Eligibility

To become initially eligible for benefits as an Active Covered Participant, you must be in the Eligible Class and reach 600 or more Credited Hours in a 6 month time-frame. Your coverage would begin the first day of the second month following the month after your 600th hour was worked.

 

For example: If you work your 600th hour in November, your coverage will start on January 1st. 

LOOK FOR YOUR BENEFIT PACKAGE IN THE MAIL

Automatically from the Fund once your 600th hour is paid.

ADD SPOUSES AND DEPENDENTS

Covered at $0 additional cost.

Continuing Health Coverage Eligibility

In order to continue to receive benefits as an Active Covered Participant from the Plan at the beginning of any Benefit Period, you must be in the eligible class, and have a Qualifying Work Period. As an Active Covered Participant, you and your eligible family members are covered for health care benefits which vary depending on whether you are eligible for Silver Coverage or Gold Coverage. Different hours requirements apply to earn coverage under the Plan depending on whether you are a Commercial Carpenter or a Light Commercial Carpenter

Commercial Carpenter Eligibility
Light Commerical Carpenter Eligibility

Gold Level Coverage

Silver Level Coverage

Health Coverage Eligibility Levels

GOLD LEVEL

90/10 Coinsurance
  • Active Eligibility - 600 or 1200 hours
  • Out-of-Pocket Maximums $1,000 / $2,000
  • Prescription Coverage
  • Cigna Dental
  • Davis Vision

SILVER LEVEL

70/30 Coinsurance
  • Active Eligibility 450 or 900 Hours
  • Out of Pocket Maximums $2,000 / $4,000
  • Prescription Coverage
  • No Dental Coverage
  • No Vision Coverage

Prescription Coverage is the same for both Gold and Silver Levels

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