You will be eligible for benefits under the Southern California IBEW-NECA Health Trust Fund the first day of the third month, following receipt of 120 hours of contributions at the rate established from time to time by the IBEW Local 11 Inside Wiremen’s Agreement on your behalf within four (4) consecutive months. The process is shown by the following examples:

Example 1: You work 120* hours in January and the employer(s) reported and paid contributions in February. You will be eligible for benefits on May 1st.
*Check agreements for the number of hours required; See Article 4.4 I.O. Health Reciprocal Agreement and Proration Under Certain Collective Bargaining Agreements for more information.

Example 2: You work 30 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 120 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 four (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 Hours Bank Reserve. Because your total hours do not equal 120 hours in a 4-consecutive month period you did not achieve eligibility and the oldest month’s hours are cancelled. The new 4-month period to accumulate hours for eligibility in the above example will be the work months of February, March, April, and May.

The table set forth below reflects ongoing eligibility based upon hours worked in particular months.

The foregoing table presumes that the contributions for the hours you worked are actually received by the Southern California IBEW-NECA Health Trust Fund. Contributions must be received in order for eligibility to be provided.