Issue 14, Spring 2018
In This Issue...
New and Improved! Latest
Annual Statement of Accrued
Benefits Now Available
You may have noticed that the recently
redesigned Annual Statement of Accrued
Benefits included some additional information
compared to the former Statement of
Reported Hours. In the updated Statements,
you'll find more detailed information about
your accrued hours as well as your employer
contribution history. You can also find an
estimate of the amount of your pension
benefits payable at Normal Retirement Age (age 65). These new Annual Statements
of Accrued Benefits were placed in the mail in December 2017. If you have not yet
received your statement, please contact the Administrative Trust Funds Office.
You should have also received Quarterly Benefit Statements from the Administrative
Trust Funds Office. Every three months, the Administrative Trust Funds Office sends
out personalized Quarterly Benefit Statements. The quarterly statements are your
personal record of the reported employer contributions made on your behalf.
The most recent Quarterly Statements were mailed out in mid-February. These
Statements covered your contributions for the fourth quarter of 2017 (October 1, 2017,
through December 31, 2017). Be on the lookout for the next batch of Quarterly
Benefit Statements, which the Administrative Trust Funds Office will mail in May
and will report on the first quarter of 2018 (January 1, 2018, through March 31, 2018).
It is important to hang onto your check stubs and match them with the Annual
Statement of Accrued Benefits and the Quarterly Benefit Statements. If there are any
discrepancies, please contact the Administrative Trust Funds Office as soon as possible,
to help ensure that you receive the benefits to which you're entitled. You may contact
the Administrative Trust Funds Office at 323-221-5861 or toll free at 800-824-6935.
Health Reimbursement Arrangement (HRA)
Now Available to 9th District Sound and
Communications Agreement Participants
9th District Sound and Communications
Agreement participants are now eligible
to participate in the Southern California
IBEW-NECA Health Reimbursement
Arrangement ("HRA") if working within
the jurisdiction of IBEW Local 11 and
LA NECA.
An HRA acts similarly to a regular bank
account, but it will not work for noneligible
purchases. The HRA gives you
an individual spending account to pay
for eligible health care expenses, such
as medical bills, pharmacy co-payments,
and dental and vision costs not covered
by the benefits you already enjoy.
The account is funded by collectively
bargained pre-tax contributions. These
contributions are in addition to your regular
hourly contributions. The Agreements currently
participating in the HRA are Inside Wireman,
Inspectors, ITS, Railroad and 9th District Sound
and Communications Agreements.
For more information about the HRA, including
how to pay for eligible expenses, refer to your
Summary Plan Description or the website at
www.scibew-neca.org. Please contact Coast
Benefits, the third-party Administrator hired to
process HRA benefits, at 1-844-739-7956 for
questions about your benefits and to learn how
to use your account.
Are Your Active Health Plan Dependents Eligible? It Depends
Eligibility depends on a number of factors, such as age and a dependent's legal
status in relation to you, the participant. To confirm that a dependent meets the
Southern California IBEW-NECA Active Health Plan's eligibility requirements, you
must provide the Plan with proper documentation.
The table below shows an overview of who may be considered an eligible Active Health Plan dependent and documentation requirements.
Active Health Plan
Eligible Dependents |
Required
Documentation |
Spouse |
Copy of Marriage Certificate |
Biological Children |
Birth Certificate/Paternity
Test/QMCSO |
Step Children |
Birth Certificate |
Adopted Children |
Adoption Affidavit |
Permanently Disabled Children |
Birth Certificate/Paternity Test/
Adoption or Guardianship Affidavit |
Child who is a ward under
order of temporary or
permanent guardianship |
Legal Guardianship |
Temporarily Disabled Child |
Disability Application/Birth Certificate–Child subject to Temporary or
Permanent Guardianship |
It is important to remember that you and your eligible dependents will not have
health and dental benefit coverage until you first complete an Enrollment form and
submit to the Administrative Trust Funds Office. For more information on
dependent eligibility and required documentation, please refer to your Summary Plan Description, or contact the Administrative Trust Funds Office.
The Administrative Trust Funds Office has retained the services of Consova, a
benefits cost containment firm, to verify dependent eligibility. You will soon be
receiving communication from Consova explaining the verification process and the
documentation required.
It Pays to Keep Your
Dependents Up to Date
Keeping ineligible dependents enrolled
and failing to notify the Plan could cost you.
Effective January 1, 2018, participants
who fail to notify the Administrative Trust
Funds Office of a marital status change
will face an additional penalty: loss of
Hours Bank Reserve hours. If you and
your former spouse fail to notify the
Administrative Trust Funds Office of a
change in your marital status before the
end of your 60-day deadline, your Hours
Bank Reserve will be charged 100 hours
for each month you fail to notify (after
the 60-day deadline).
For example, if you and your former
spouse are divorced effective June 30,
2018, you must notify the Administrative
Trust Funds Office of the divorce by
August 29. If you notify the Administrative
Trust Funds Office on November 15, 2018,
your former spouse will not be eligible for
COBRA coverage and you will lose 300
hours from your Hours Bank Reserve.
Make sure you notify the Administrative
Trust Funds Office of any change in your
marital status within 60 days. Don't rely
on your former spouse to do it, because
it can have a serious effect on you. If you
have any questions, please contact the
Administrative Trust Funds
When You Should and Shouldn't Sign up for Medicare
You and your eligible spouse are required to enroll in Medicare Parts A and B when you turn age 65 or become
eligible for Medicare coverage at any age. You and your eligible spouse must assign your Medicare Parts A
and B benefits to your medical option under the Retiree Health Plan. Do not sign up for another Medicare-risk
Plan. Enrolling in another Medicare-risk plan will result in termination of your Retiree Health Plan benefits. Once
terminated, you will NOT be able to re-enroll in the Retiree Health Plan.
You and your eligible spouse should NOT enroll in Medicare Part D (prescription drug) coverage. In fact, enrolling in Part D may even
jeopardize your enrollment in the Retiree Health Plan and cause you to lose coverage. So, when it's time to sign up for Medicare and
the Retiree Health Plan, Don't enroll in Part D.
The prescription drug benefits offered through the Retiree Health Plan have been deemed by the Health Plan's actuary to be equal
to or greater than Medicare Part D benefits.
It's Tax Time Again–Your 1099R Forms
The Administrative Trust Funds Office has mailed your 2017 1099R forms to your address on file with the Fund.
You can use these documents when preparing your tax forms. If you have not received your 1099R forms, please
contact the Administrative Trust Funds Office. As a reminder, the deadline to file your taxes is Tuesday, April 17.
Keep Us Updated
Have you had a life event recently?
Don't forget to tell the Administrative
Trust Funds Office! When you get
married, divorced or welcome a new
child into your life, you may need
to change your coverage under the
Health Plan. These events can also
affect your pension benefits, and you
may want to update your beneficiary
information. Contact the Administrative
Trust Funds Office to learn more and
to notify them of any recent changes.
You may also locate the Beneficiary
Designation Forms on the Trust Funds'
website at www.scibew-neca.org.
An Overview of the Pension Rehabilitation Plan
Note: If you are a retired participant (pensioner), beneficiary or QDRO alternate
payee already receiving pension payments, the benefit changes described below do
not apply to you.
Last year, the Pension Plan underwent changes to help increase the financial stability
of the Plan. Here are the main points you should know for retirements starting on or
after April 1, 2017:
- Prior Accrued Benefit Payable at Normal Retirement Age: The amount of
pension you have accrued prior to the changes are not affected–only accruals for
service earned after the changes took effect.
- Defined Benefits Eligibility Requirements:
Defined Benefits
Eligibility as of 4/1/17 |
Early |
Normal |
Age |
56 |
65 |
Service Requirements |
Active in the Plan* |
Vested |
Pension Hours |
44,500 hours |
5th Anniversary of 1st
covered hour |
*Active in the Pension Plan is defined as having a total of 750 covered hours within two
consecutive Plan Years. A Plan Year runs from July 1 of a calendar year through June
30 of the following calendar year.
NOTE: Retiring prior to reaching these milestones will cause an actuarial reduction to
your Early Retirement Benefit.
- Disability Benefits Eliminated: For retirements on or after April 1, 2017, disability
benefits under the Pension Plan and/or Retiree Health Plan have been eliminated. If
you are disabled, you may elect a Normal or Early Retirement, once you are eligible.
- Retiree Health Plan Eligibility Requirements:
Defined Benefits
Eligibility as of 4/1/17 |
Early |
Normal |
Age |
56 |
62 |
Service
Requirements |
Retired with an unreduced
pension from the SC IBEWNECA
Pension Plan |
At least 10 years of
credited service under
the SC IBEW-NECA
Pension Plan |
Pension Hours |
Must have 44,500 Health
Hours WITH 10,500 Health
Hours in the 7 of the 10
years immediately preceding
the date of your original
pension effective date. |
Must have 10,500 Health Hours in the
7 of the 10 years immediately preceding
the date of your original
pension effective date. |
NOTE: Health Hours must be earned under a Collective Bargaining Agreement
requiring a Retiree Benefit Contribution.
- Timely Retiree Health Plan Application and Delayed Enrollment: You must submit
your application before you receive your first pension check. You can delay enrollment
in the Retiree Health Plan until you exhaust your Hours Bank Reserve or until you
finish COBRA continuation coverage for the Active Health Plan, whichever is later.
IMPORTANT: You must complete separate applications for the Defined Benefit Plan
and the Retiree Health Plan to determine your eligibility for each benefit. Contact
the Administrative Trust Funds Office for details and before you elect to retire.
The calculation of Pension Plan benefits is very complex. Before making any
retirement decisions, you should contact the Administrative Trust Funds Office
to request an estimate of your pension AND a determination of your eligibility
under the Retiree Health Plan.
Important Contact Information
Southern California IBEW/NECA
Health, Pension, and Defined
Contribution plans
(IBEW Local 11/LA NECA)
Phone: 323-221-5861
800-824-6935 (toll-free)
Website: www.scibew-neca.org
Coast Benefits
3444 Camino Del Rio North
Suite 100
San Diego, CA 92108
Phone: 844-739-7956 (toll-free)
Fax: 619-280-4304
Website: www.coastbenefits.com
IBEW Local 441 Health
NECA/IBEW
Family Medical Care Plans 14, 15, & 17
5837 Highway 41 North
Ringgold, GA 30736
Phone: 877-937-9600
706-937-9602 (toll-free)
Fax: 706-937-9601
Orange County IBEW/NECA
Electrical Workers Defined
Contribution Pension Plan
(IBEW Local 441)
United
Administrative Services
P.O. Box. 5057
San Jose, CA 95150
Phone: 408-288-4400
800-743-5274 (toll-free)
Fax: 408-288-4439
National Electrical
Benefit Fund (NEBF)
2400 Research Boulevard, Suite 500
Rockville, MD 20850-3266
Phone: 301-556-4300
Website: www.nebf.com
IBEW–International Office
900 Seventh Street, N.W. Washington,
DC 20001
Phone: 202-833-7000
Website: www.ibew.org
IBEW Local 440 Health
NECA/IBEW
Family Medical Care
Plans 14 &16
5837 Highway 41 North
Ringgold, GA 30736
Phone: 877-937-9600
706-937-9602 (toll-free)
Fax: 706-937-9601
Local 477 Health Trust
Delta Fund Administrators, LLC
1234 W. Oak
Stockton, CA 95203
Phone: 209-474-5671
Fax: 209-474-5771
Email: pat.cororan@delapro.com
Inland Empire IBEW-NECA
Pension Plan
c/o The Gem Group
401 Liberty Avenue, Suite 1200
Pittsburgh, PA 15222-1024
Phone: 844-731-7311 (toll free)
Website: GemGroup.com