You Get Married

If you get married and would like to add your spouse to your plan, you must fill out a new enrollment online and submit a copy of your marriage certificate, within 30 days of the date of your marriage. Your employer may require a higher payroll deduction to add a spouse to your plan, so be sure to check your Collective Bargaining Agreement for more details.

You Get Divorced

If you get divorced, you must complete a new enrollment form online, changing your election and terminating coverage for your former spouse. You must do this within 60 days of the date of your divorce. The Fund office also requires that you submit a copy of your Divorce Decree. If your former spouse was covered under your health plan, he or she is entitled to COBRA benefits under the Plan. The Fund office will send him or her a COBRA informational packet once we receive notice of the divorce and terminate coverage.

You Have a Child

If you have a child(ren) and would like to add your child(ren) to your plan, you must enroll them within 30 days of birth and submit a copy of the birth certificate. If you miss the 60-day window to enroll your child(ren), then you must wait until the following Open Enrollment period unless you have another qualifying life event. Your employer may require a higher payroll deduction to add child(ren) to your plan, so be sure to check your Collective Bargaining Agreement for more details.

You Lose Other Insurance Coverage

If you or an eligible dependent have group coverage through another employer or through a spouse or parent and lose that coverage, you will have 30 days from termination of the other coverage to enroll into this Plan. You must enroll online and provide proof of coverage termination before we can activate benefits under the Plan.

Your Child Turns 26

If your children are eligible for coverage under your plan, they are eligible to remain covered until the last day of the month in which they turn age 26. Once they lose coverage under the Plan for attaining the age of 26, they may be eligible to receive COBRA coverage by making self-payments. The Fund office will send a COBRA information packet about the COBRA option to your dependent. If your dependents do not live with you, it is important you notify the Fund office of their address.

If as a result of your dependent(s) coming off of your coverage, your election changes from Family to Single +1, or From Single+1 to Single, your employer required payroll deductions toward your coverage may also be reduced. Check your Collective Bargaining Agreement for more details.

You Stop Working in Covered Employment

If you stop working in covered employment, your health coverage will end on the last day of the month, or on Sunday of the week your employment ends if your eligibility is determined weekly. Please check your Collective Bargaining Agreement or call the Fund office to find out if your coverage is determined weekly or monthly. Once your Employer notifies the Fund of your termination date, the Fund office will send you information on your eligibility to elect COBRA coverage (if applicable).