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Welfare Requirements

Eligibility Criteria Requirements for a Non-Disability  Retiree Welfare Coverage

There are 6 parts to determining if you are eligible for health insurance coverage when you retire on a non-Disability pension. You must meet all 6 criteria to be eligible, as follows:

  1. You must retire on a Normal or Special Early (“Combination of 80”) Pension
  2. You must have a minimum of 20 pension credits
  3. You must have an average of 1,000 hours over the 20 year period immediately prior to the year of your retirement
  4. You must have eligibility at benefit level P1 or C2 for a minimum of 24 quarters in 40 quarter (10 year) period immediately preceding your year of retirement
  5. No more than 6 of the 24 required quarters (out of 40) of P1 or C2 coverage can be eligibility you obtained through voluntary contribution “buy up”
  6. You must be eligible under benefit level P1 or C2 in the month prior to your initial retirement date 

Eligibility Criteria for Disability Retiree Welfare Coverage

There are 4 parts to determining if you are eligible for health insurance coverage when you retire on a Disability pension. You must meet requirement 1; or requirement 2; or requirement 3; AND you must meet requirement 4, and requirement 5, and requirement 6:

  1. If you are age 40 or younger at your date of retirement, you must have a minimum of 10 pension credits and you must have an average of 1,000 hours over the 10 year period immediately preceding your of retirement
  2. If you are at least 41 years of age but less than 55 years of age at your date of retirement, you must have a minimum of 15 pension credits and you must have an average of 1,000 hours over the 15 year period immediately preceding your year of retirement
  3. If you are 55 years of age or older at your date of retirement, you must have a minimum of 20 pension credits and you must have an average of 1,000 hours over the 20 year period immediately preceding your year of retirement
  4. You must have eligibility at benefit level P1 or C2 for a minimum of 24 quarters in 40 quarter (10 year) period immediately preceding your year of retirement
  5. No more than 6 of the 24 required quarters (out of 40) of P1 or C2 coverage can be eligibility you obtained through voluntary contribution “buy up”
  6. You must be eligible under benefit level P1 or C2 in the month prior to your initial retirement date

Reminders

  • The Welfare Fund is pleased to announce that CDL Physicals will be covered starting in 2018.  Click here for the requirements for reimbursement.
  • The SUB Fund Weekly benefit will be increased to $225 for weeks ending January through March 2018.
  • Motor Vehicle Accidents are Not covered by the Welfare Fund.  (Please talk to your insurance agent about increasing your medical coverage.)
  • Dependent Maternity is not covered.
  • Let us know when you: get Married or Divorced, have a child, or move.
  • When retired, our Health & Welfare plan (if eligible) requires you and/or your spouse to have Medicare A & B when eligible.
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