You must enroll within 60 days of the date you first become eligible for coverage. Otherwise, you can only enroll during the annual open enrollment period. Check with your employer, union or contact the Fund for information about your open enrollment period.
Refer to your Collective Bargaining Agreement (CBA) or contact your employer or local union. Generally, benefits are effective on the first day of the month following your date of hire or the first day of the month following a waiting period which is specified in your CBA.
Refer to your CBA or contact the Fund office for information regarding dependent eligibility. Some CBA's cover the participant only. Some CBA's cover the participant and children, but not the spouse and some cover the participant, the spouse and children. Your employer may require a higher payroll deduction to add child(ren) to your plan.
You can enroll your newborn child if your plan allows for coverage of dependent children. You will need to complete a new enrollment form and return it to your employer within 60 days of your child’s birth. Your employer will submit your enrollment form to the Fund office. Please keep a copy of the form for your records. Your employer may require a higher payroll deduction to add child(ren) to your plan.
If your plan allows for coverage of children, they are covered until the last day of the month in which they turn age 26. Children do not have to be students, unmarried, financially dependent or living with their parents in order to be covered.
Your employer makes a monthly contribution to the Fund. Some CBA’s require the participant to pay a portion of the contribution for participant coverage and (or) dependent coverage. The participant’s cost is deducted through payroll deductions. The participant does not make payments to the Fund. Some CBA's require the employer to pay the entire contribution for the participant and dependent coverage. In these situations, there is no cost to the participant.