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Retiree Eligibility
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You are eligible for the Retiree Health Plan if you are a Local Union 11 pensioner who has retired and receives benefits from the Southern California IBEW-NECA Pension Plan, and if you meet the eligibility requirements as of your original pension effective date. Dependent children are not covered.
Important:There is no vested right to receive Plan benefits. The Trustees may change, modify, reduce or terminate the Plan benefits at any time as a result of conditions or events requiring such action.
Important: Enrollment in the Retiree Health Plan is not automatic. You must complete an application, agree to pay a portion of the monthly medical cost and enroll in the Plan. You will have only one election period, at your initial retirement, to enroll in the Plan provided you meet the eligibility requirements of the Retiree Health Plan.
To become eligible, the Age & Service, Hours, and Election & Payment requirements must all be met:
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Age & Service
You are 55 years old or older and have accumulated at least 25 years of credited service under the Southern California IBEW-NECA Pension Plan,
OR
You are 62 years old or older and have accumulated at least 10 years of credited service under the Pension Plan.
AND
Hours
At the time of your retirement, you have accumulated at least 10,500 hours contributed to the Southern California IBEW-NECA Health Plan (including Health hours sent through I.O. reciprocity) in 7 of the 10 years immediately preceding the date of your retirement.
OR
At the time of your retirement, you have accumulated at least 30,000 hours contributed to the Southern California IBEW-NECA Health Plan (includes Health hours sent through I.O reciprocity).
AND
Election & Payment
You elect coverage and pay a portion of the cost of your benefits (self-payment) and those of your spouse, as required by the Retiree Health Plan. The self-payment may be deducted from your monthly Southern California IBEW-NECA pension benefit OR monthly self-payments may be made to the Southern California IBEW-NECA Health Plan.
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Eligible Spouse
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Your legal spouse is eligible for coverage and must be enrolled during your election period. If you remarry after a divorce or the death of a spouse, your new spouse may be covered provided that the spouse is enrolled within sixty (60) days of the date of marriage. Your spouse's eligibility will cease if you become divorced or legally separated. You should notify the Administrative office immediately if this occurs as you will have to refund any unauthorized benefits received by an ineligible spouse. COBRA extension of coverage may be available for your ex-spouse.
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Return to Work
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If you return to covered employment, obtain coverage under the Active Plan, and then subsequently retire again, you may be eligible to resume Retiree coverage, provided you make the appropriate election within the time limit.
If you work in Non-Covered Electrical Employment at any time after becoming eligible for coverage on the Active Plan, your eligibility to participate is terminated. However, you and your spouse may reinstate eligibility for coverage in the Retiree Health Plan if you return to Covered Employment and earn (5) five years of credited service in the Southern California IBEW-NECA Pension Plan before retiring again.
Working in Non-Covered Electrical Employment has severe consequences, therefore please refer to the Eligibility and Termination sections of the Summary Plan Document for a complete description of the impact of Non-Covered Electrical Employment. Please contact the Funds Office if you have any questions.
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