FAQ Welfare

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When may I enroll for Welfare benefits?

The Plan year for Welfare benefits begins on July 1 of each year. Generally the Fund Office will send enrollment packages to all eligible Local No. One members in late May. Eligibility for Welfare benefits is based on your earnings in the calendar year immediately prior to the July 1 start date. For more information regarding enrollment, please see the 'Eligibility and Enrollment' page in the Welfare section.

There are special situations which may make it possible for you to enroll or make changes to your Welfare benefits during the Plan year. For more information, please see the section titled 'Mid-Year Coverage Changes' on the 'Self-Pay Premiums' page.

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What is the difference between Tiers I, II and III?

The three Tiers have different levels of coverage. The highest level of coverage is Tier III, and the lowest level is Tier I. To see the major difference between the 3 coverage Tiers, please see the Benefit Comparison Chart on the "Eligibility and Enrollment" page in the Welfare section.

The self-pay premiums are also different for the 3 Tiers, and you can compare those rates on the Self-Pay Premium Chart on the 'Self-Pay Premiums' page.

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How do I qualify for the different Tiers of coverage?

Your eligibility for a particular Tier of coverage is based on your calendar year earnings in the year prior to the July 1st start date for the Welfare Plan year. For more information regarding eligibility, please see the 'Eligibility and Enrollment' page.

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Who may 'Buy-up' to a higher Tier and what are the rules?

If you are eligible for Tier I or Tier II coverage, you have the option to 'Buy-up' to Tier III coverage. The cost for the 'Buy-up' is shown on the Self-Pay Premium Chart on the 'Self-Pay Premiums' page. Please note that you are not able to Buy-up from Tier I to Tier II coverage.

Please note that if you elect to Buy-up to Tier III coverage, it is not possible for you to change that election before the next July 1st open enrollment.

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How much is my self-pay premium?

Self-pay premiums are shown on the Self-Pay Premium Chart on the "Self-Pay Premiums" page.

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How do I pay my self-pay premium?

You will receive an invoice from the Fund Office in advance of the first day of each quarterly period. You have the option to pay your self-pay premium upfront for the full year, every 6 months or quarterly. The Fund Office accepts the following forms of payment:

  • Credit card on our website fundoneiatse.com, by calling (212)247-5225 or in person at the Fund Office.
  • Check made payable to 'The Welfare Fund of Local No. One, I.A.T.S.E. There will be a $15.00 charge for any check returned from the bank. Post-dated checks not accepted.
  • Cash in person at the Fund Office located at 320 W. 46th St., 6th Floor.

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When are self-pay premiums due, and what happens if I don't pay my self-pay premium by the due date?

Your self-pay insurance premiums are due in advance and must be received no later than the first day of each quarterly period (July 1st, October 1st, January 1st, and April 1st). If your payment is made after the due date, you will be charged a $25 late fee. If we do not receive your self-pay premium and $25 late fee by the end of the month in which it was due, your coverage will be terminated retroactive to the first day of the quarter for which you failed to timely pay, and you will not have another opportunity to enroll for the remainder of the Plan year.

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If I lose my coverage for not paying my self-pay premium on time, when can I re-enroll for coverage?

If your coverage is terminated for not paying your self-pay premium on time, you will not be able to enroll for coverage until the next July 1st open enrollment, assuming that you are eligible at that time.

 

 

     

    Please note that nothing on this
    website is intended to interpret, extend or change in any way the provisions expressed in the Summary Plan Description and any other Plan documents. If you have any questions regarding your particular situation, please contact the Fund Office.

 
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