Health Coverage

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 Health Coverage effective January 1, 2020

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

The copayment structure for the amount deducted from your monthly Pension check is described below.

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

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

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.

Retiree Health Care FAQs

What is considered "Consecutive" in the Pension Plan?

Consecutive is uninterrupted years of credited service in the Pension Plan with no breaks in service.

If there is a break in service,the missed years of credited service must be made up before retirement.

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

Consecutive is uninterrupted Health & Welfare benefit periods with no break in coverage.

If there is a break in coverage, the missed Health & Welfare periods must be made up before retirement.

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

COBRA COVERAGE

Allows you to buy coverage in order to stay in the same Plan you are as an Active Carpenter:

  • Members: offered for 18 Months
  • Spouse/Dependents: offered for 36 Months

2020 Rates for Full Coverage:

  • Single Coverage: $509.25/mo*
  • Family Coverage: $1,222.21/mo*

COBRA payments are HRA Eligible

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

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 2020, your spouse would be entitled to healthcare for the duration of the benefit period ending April 30, 2020.
  • Then the additional 12 months would carry them through April 30, 2021.

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. The 2020 monthly costs are listed below.

Non-Medicare:

  • Single (Basic) - $372.32/mo*
  • Family (Basic) - $893.56/mo*
  • Single (Full) - $509.25/mo*
  • Family (Full) - $1,222.21/mo*

Medicare:

  • Single - $410.98/mo*
  • Family - $821.96/mo*

*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 this booklet.