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Skip Navigation LinksHome » Health Benefit Retiree Info » Termination of Coverage  
 

Participant’s Death
Hospital, Medical (professional fees) and Prescription Drug benefits from this Fund will be terminated for your spouse (and/or dependents) on the last day of the month in which your death occurs.  Your surviving spouse (and/or dependents) is responsible for notifying the Fund Office of your death within sixty (60) days.  If the Fund Office is not notified of your death within sixty (60) days, your surviving spouse (and/or dependents) will lose eligibility for continuation coverage under COBRA.

Provided that the Fund Office is notified of your death within sixty (60) days, your surviving spouse (and/or dependents) will have the option to continue coverage under COBRA on a self-pay basis.  Continuation coverage under COBRA is the same coverage that your surviving spouse had prior to your death.  The Fund Office will send your surviving spouse a “Notice of Health Care Continuation Procedures” and a COBRA Enrollment Form.  Your surviving spouse has 60 days to complete and return the Enrollment Form to Health Care Service Corporation (HCSC) at the address listed on the Enrollment Form.  Provided that your surviving spouse returns the Enrollment Form to HCSC within the 60 day period, continuation coverage under COBRA will begin the first day of the month following your death.  Please note that the maximum coverage period of continuation coverage under COBRA is 36 months.

Divorce or Legal Separation
Upon your divorce or legal separation, all benefits will automatically be terminated for your former spouse on the last day of the month of divorce.  It is your responsibility to notify the Fund Office immediately upon your divorce or legal separation so that your former spouse can be terminated from the Retiree Welfare benefit(s).  If you fail to do so and your former spouse receives benefits to which he/she is not entitled, you will be responsible for reimbursing the Welfare Fund for any benefits paid for your former spouse after the date of your divorce or legal separation.  Additionally, if the Fund Office is not notified of your divorce within sixty (60) days, your surviving spouse (and/or dependents) will lose eligibility for continuation coverage under COBRA.

Provided that the Fund Office is notified of your divorce within sixty (60) days, your former spouse will have the option to continue coverage under COBRA on a self-pay basis.  Continuation coverage under COBRA is the same coverage that your former spouse had prior to your divorce.  The Fund Office will send your former spouse a “Notice of Health Care Continuation Procedures” and a COBRA Enrollment Form.  Your former spouse has 60 days to complete and return the Enrollment Form to Health Care Service Corporation (HCSC) at the address listed on the Enrollment Form.  Provided that your former spouse returns the Enrollment Form to HCSC within the 60 day period, continuation coverage under COBRA will begin the first day of the month following your divorce.  Please note that the maximum coverage period of continuation coverage under COBRA is 36 months.

Dependent Coverage
A dependent’s coverage terminates when he /she no longer qualifies as a dependent under the Plan’s definition of dependent. It is your responsibility to notify the Pension Fund Office immediately when a dependent no longer qualifies as a dependent under the Plan rules so that the former dependent can be terminated from Retiree Health Care benefits.  If you fail to do so and your former dependent receives benefits to which he/she is not entitled, you will be responsible for reimbursing the Welfare Fund for any benefits paid for your former dependent after the date the dependent no longer qualifies as a dependent.  Additionally, if the Fund Office is not notified of your former dependent’s change in status within sixty (60) days, your former dependent will lose eligibility for continuation coverage under COBRA.

Provided that the Fund Office is notified of your former dependent’s change in status within sixty (60) days, your former dependent will have the option to continue coverage under COBRA on a self-pay basis.  Continuation coverage under COBRA is the same coverage that your former dependent had prior to his/her change in status.  The Fund Office will send your former dependent a “Notice of Health Care Continuation Procedures” and a COBRA Enrollment Form.  Your former dependent has 60 days to complete and return the Enrollment Form to Health Care Service Corporation (HCSC) at the address listed on the Enrollment Form.  Provided that your former dependent returns the Enrollment Form to HCSC within the 60 day period, continuation coverage under COBRA will begin the first day of the month following your former dependent’s change in status.  Please note that the maximum coverage period of continuation coverage under COBRA is 36 months.

COBRA Premium Rates
Effective February 1, 2017 the following premiums apply to continuation coverage under COBRA. Note that these premiums may increase in the future.

Continuation coverage under COBRA can include dental coverage if the dependent was covered under the Retiree Dental Plan. From April 2017 through March 2018, continuation coverage under COBRA that includes the Dental Plan costs an additional $42.92 per month.

After April 1, 2017, continuation coverage under COBRA can include vision coverage if the dependent was covered under the Retiree Vision Plan. From April 2017 through March 2018, continuation coverage under COBRA that includes the Vision Plan costs an additional $6.16 per month.

 

 Type of Coverage

 

 Monthly Premium

 

Medicare Eligible Surviving Spouse with Comprehensive Medicare
Supplement coverage, including Prescription Drug coverage

 

 

 

$246.00 per month

 

Medicare Eligible Surviving Spouse with Comprehensive Medicare
Supplement coverage, without Prescription Drug coverage

 

 

 

$111.00 per month

 

Non-Medicare Eligible Surviving Spouse with Comprehensive Medical Benefit coverage, including Prescription Drug coverage

 

 

 

$628.00 per month

 

Non-Medicare Eligible Surviving Spouse with Comprehensive Medical Benefit coverage, without Prescription Drug coverage

 

 

 

$463.00 per month

 

Prescription Drug Coverage Only

 

 

$135.00 per month

Death of a Spouse or Dependent
Please notify the Pension Fund Office of a spouse or dependent death on a timely basis so that coverage and premiums for the deceased spouse or dependent can be terminated from the retiree coverage.  In no event will premiums be refunded for a period exceeding 24 months.

Returning to Work
If you return to work in Prohibited Employment and your pension benefit is suspended, you and your dependents are no longer eligible for Retiree Health Care benefits from the Plan.  Note that returning to work is not a qualifying event under COBRA and you and your dependents will not be offered continuation coverage under COBRA.

 

 
 

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