Teamsters Local 170 Health and Welfare Fund

Retired Employees

Retired Employees

 

An Employee participating in the active Plan shall be eligible to participate in the Retired Employee Plan, but only if the Employee:

  • Is retired; and
  • Is at least age fifty-seven (57) but under age sixty-five (65); and
  • Has had contributions paid on his behalf to the Fund (hereinafter referred to participation in the Fund) for the minimum requisite years of participation in the Fund. Prior to March 1, 2006, eligibility in the Retired Employee Plan required ten (10) years of participation in the Fund. The program was modified to require twenty (20) years of participation in the Fund. The Trustees “grandfathered” active Employees who were participating in the Fund at that time by granting these active Employees 10 years of credited coverage and permitted any Employee in the Retired Employee Plan to remain in the Retired Employee Plan. The Trustees, in their discretion may permit participation in any Teamster Health and Welfare Fund to be treated as participation in this Fund for purposes of establishing eligibility; and
  • The retired Employee must elect enrollment after his eligibility in the active Plan terminates and within thirty (30) days of receiving notice from the Fund Office; and
  • At the time of retirement, the Employee must be participating in the Fund’s active plan;

*Eligibility for benefits from Medicare will not automatically disqualify a retired Employee, and/or his Spouse and/or his Dependent from participation in the Retired Employee Plan. In such a circumstance, to the extent permitted by law, Medicare will be the primary payer and this Fund will be the secondary payer only.

Contributory Payments (Premiums)
Monthly contributory payments to the Fund shall be due by the first (1st) day of the calendar month coverage is to be provided; provided however, that a monthly contributory payment for any particular month shall be deemed to have been made by the due date so long as such payment is received by the Fund Office by the last day of such month (“grace period”).  Contributory payments may be automatically deducted from the monthly benefits provided by the Teamsters New England Pension Fund upon written request of the Participant. The Trustees have established a single composite rate of contribution. The contributory payment is the same for all participants, irrespective as to whether single or family coverage is provided. The Trustees reserve the right to change the rate of contributory payments at any time.

Eligible Dependent Coverage

Benefits Effective Date
Benefits for retired employees become effective on the first (1st) day after the retired Employee’s coverage terminates under the Fund’s active Plan.

You may also enroll the following members of your family in the Plan (“Eligible Dependents”) Eligible dependents can be defined as including the following:
Your spouse “Spouse” means the individual to whom you are legally married or in the event of a divorce, the participant’s former spouse may remain covered unless:

  • The divorce decree does not require (or no longer requires) the participant to maintain coverage for his former Spouse;
  • or either the participant or his former Spouse remarries

The Plan Sponsor shall have the sole discretion to determine the legal status of a Participant’s marriage, which determination shall be based upon the laws of the state in which the Participant maintains his or her legal residence.

Your children The Participant’s children until the end of the calendar month in which the child turns age 26, whether married or unmarried, regardless of his/her student or employment status and regardless of whether your home is his/her principal place of abode or whether you support him/her financially;

The Participant’s children over the age of 26 and are unmarried and (i) primarily dependent on you for support because of mental retardation or physical handicap; and (ii) first became disabled before turning the age of 26 and were covered by this Plan at that time.

  • A “Child” or “Children” may include the following: a son, daughter, step-son, step-daughter, adopted child, a child placed for adoption, a foster child, a child named in a Qualified Medical Child Support Order, a child for whom you are responsible under court order, a child for whom you are appointed legal guardian.

You may be required to verify the eligibility of your Eligible Dependents for coverage (e.g., by providing a birth or marriage certificate). If you fail to timely provide the documentation upon request to prove the eligibility of any of your Eligible Dependents or the Plan Administrator (or its delegate) is unable to verify the submitted documentation, your dependent (or dependents) will lose coverage under the Plan, whether or not he or she (they) is (are) otherwise eligible for benefits under the respective plan.

NOTE: IF YOU APPLY FOR OR CONTINUE COVERAGE FOR ANYONE WHO IS NOT AN ELIGIBLE DEPENDENT, IT MAY BE CONSIDERED FRAUD OR INTENTIONAL MISREPRESENTATION AND YOU AND YOUR FAMILY’S COVERAGE MAY BE RESCINDED TO THE EXTENT PERMITTED BY LAW. IN ADDITION, IF THE PLAN EXPENDS FUNDS FOR COVERAGE OF INELIGIBLE INDIVIDUALS, YOU MAY BE LIABLE FOR PREMIUMS AND ALL COSTS RELATED TO COVERAGE FOR SUCH INDIVIDUALS WHO ARE NOT ELIGIBLE DEPENDENTS.

Dependent Coverage After Death of Retired Employee
In the event a retired Employee dies or reaches the age of 65 while participating in the Retired Employee Plan, their dependents shall be permitted to continue participation in the Retired Employee Plan, subject to the following limitations:

  • The Spouse shall be eligible to participate until reaching 65 years of age; and
  • The Spouse does not have other primary coverage; and
  • The Dependent shall be eligible to participate so long as he satisfies the definition of dependent as set forth by this SPD
  • Provided the contributory payment is timely made.

Termination of Retired Employee’s Eligibility for Retired Employee Plan Benefits
A retired Employee’s eligibility will end on the earliest of the following dates:

  • On the first day of the month of the retired Employee’s 65th birthday;
  • On the date of the retired Employee’s death;
  • The date the policy is cancelled;
  • The last day of the month following any period for which the contributory payment is not timely paid.

Termination of Retired Employee Spouse’s Eligibility
In the event the retired employee is no longer participating in the Retired Employee Plan; the Dependent Spouse’s eligibility will end on the earliest of the following dates:

  • The Spouse’s 65th birthday; or
  • On the date of the Spouse’s death; or
  • The date the policy is cancelled; or
  • The last day of the month following any period for which the contributory payment is not timely paid.

Termination of Retired Employee Dependent’s Eligibility
In the event the retired employee is no longer participating in the Retired Employee Plan, the Dependent’s eligibility will end on the earlier of the following dates:

  • The date the Dependent no longer satisfies the definition of a Dependent as defined in this SPD; or
  • Neither the retired employee nor the retired employee’s Spouse participate in the Retired Employee Plan; or
  • The date the policy is cancelled; or
  • The Dependent Child’s date of death; or
  • The last day of the month following any period for which the contributory payment is not timely paid.