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Summary Plan Description (SPD)
Eligibility - When Coverage Begins
Eligibility for coverage for Active Employees is based on your working a certain minimum number of hours as explained below with one or more Employers who make contributions to the Fund on your hours of employment.
Important: Note sections titled, "Bank Hours Termination" and "Cancellation of Eligibility & Termination of Hours Bank Reserve".
Working Local 11 Electricians
Please refer to Amendment 47 for Information on Effective Dates of Coverage.
Please refer to Appendix: Eligibility Rules for Workers Under Sound Agreement.
You will be eligible for benefits under the Southern California IBEW-NECA Health Fund the first day of the third month following receipt of 100 hours of contributions on your behalf within at most four consecutive months. This process is shown by the following examples:
Example 1 - You work 100 hours in January and the employer(s) reported and paid the contributions in February. You will be eligible for benefits on May 1st.
Example 2 - You work 25 hours in January, February, March and April and the employer(s) reported and paid the contributions in February, March, April and May. By the end of May you have worked 100 hours and the contributions have been received on your behalf and you will be eligible for coverage August 1st.
If you do not achieve eligibility within a 4 consecutive month period your then accrued hours shall be cancelled. This process is shown by the following example:
Example - In January, February, March and April you work 24 hours in each month. Your employer(s) reported and paid all contributions in February, March, April and May. You have no other hours in your Hour Bank (discussed below). Because your total hours do not equal 100 hours in a 4 consecutive month period you did not achieve eligibility and these 96 reported hours are cancelled on June 1st.
The chart sets forth below reflects ongoing eligibility based upon hours worked in particular months.
| 100 hours worked in | Creates eligibility in |
|
July August September October November December January February March April May June |
November December January February March April May June July August September October |
The foregoing chart presumes that the contributions for the hours you worked are actually received by the Trust Fund. Contributions must be received in order for eligibility to be provided.
Marital Partners - Working Local 11 Electricians
There are separate eligibility rules applicable where a husband and wife are legally co-owners of the business, and the marital partner is the working member.
To be eligible, the working member must have reported a minimum of 153 hours per month.
| For Example: 153 Hours Worked In | Gives Eligibility In |
| July August September October |
November December January February |
Marital Partners - Reported Other Than As Working Member
There are separate eligibility rules applicable where a husband and wife are legally co-owners of the business, and the marital partner is reported other than as a working member. To be eligible, the marital partner who is the reported Employee must have reported a minimum of 153 hours per month. Importantly, the annual maximum hours reported will be 2,000.
| For Example: 153 Hours Worked In | Gives Eligibility In |
| July August September October Limited to 2,000 reported hours per year. |
November December January February |