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Eligibility - Plan I Local 85 Hour Bank / Back
For All Participants In the Local 85 Security Fund As of the Fund's May 1, 1999 Merger Into TBT
Plan Participation
To participate in this Plan you must work for one or more Employers who are obligated under a written agreement to make contributions to the Plan on your behalf on an hourly or monthly basis. To determine whether your Employer is obligated to contribute to the Plan on your behalf on an hourly or monthly basis, see your collective bargaining agreement.
Initial Eligibility – Hourly
Your coverage does not begin until a month after you have met the initial eligibility requirements. This month in between eligibility and coverage is called a "lag month." The lag month allows sufficient time for Employer contributions to be received and processed.
Note: If you work the minimum required hours three months in a row (in April, May and June), you become eligible for benefits on August 1— as long as the required contributions are paid and forms are received.
An eligible newborn dependent is covered from birth, if notice is provided on time.
You must notify the TBT Plan Administration Office whenever you add or remove a dependent (including a newborn). Phone or write the Plan Administration Office as soon as possible, but no later than 30 days after the event, or coverage may be delayed—especially if you are covered under an HMO. All required forms will be mailed to you, including a new TBT Enrollment Form (and an HMO Change of Status Form if you are covered under an HMO). Evidence of dependent status may be required.
HMOs have specific requirements for adding or removing dependents. (See the HMO enrollment material for information about enrolling a dependent.)
Remember, all changes are made through the TBT Plan Administration Office, even if you have HMO coverage. (See Change in Family Status and Who is Eligible as a Dependent? on page 5 of the Guide To Your Benefits.)
Initial eligibility is based on hours reported by your Employer(s) and hours in your Hour Bank. If your Employer is obligated to contribute to the Plan on your behalf on an hourly basis, you satisfy the initial eligibility requirements if,
When Your Coverage Begins
Example A - Hourly: You start working in January for an Employer participating in TBT. You work some covered hours in January and February and you work at least 60 hours in March. Your Employer makes the required Plan contributions on your behalf for each of those three months. The lag month is April. Your coverage begins on May 1 (as long as all required enrollment forms are received by the TBT Plan Administration Office).
Example B - Monthly: You start working in April for an Employer participating in TBT. You work the hours required by your collective bargaining agreement in April, July and September (three months in a six-month period). Your Employer makes the required Plan contributions on your behalf for each of those three months. The lag month is October. Your coverage begins on November 1 (as long as all required enrollment forms are received by the TBT Plan Administration Office).
When Dependent Coverage Begins
Coverage for your dependents begins at the same time as yours.
REMINDER
All required enrollment forms (including HMO applications) must be received by the TBT Plan Administration Office before coverage begins. (See the Enrollment Materials folder in your benefits package and page 3 of the Guide To Your Benefits.)
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Copyright © 2000 Teamsters Benefits Trust, All rights reserved.