“Active Participant” or “Participant” means an employee of a contributing Employer who has met the eligibility requirements established by the Board of Trustees and is covered for benefits by the Health Fund under the rules set forth by the Trustees.

Credited Hours are used to determine your eligibility to receive benefits under the Plan. Credited Hours are a combination of:

• Payment Hours, also called "Contribution Hours" (hours you worked for which employer contributions are made to the Health Fund for your work).
• Delinquent Hours are hours you worked for which employer contributions are due but which have not been paid (through no fault of yours) to the Health Fund for your work by the delinquent employer. You must provide evidence of your work such as a pay stub or similar record to the Fund Office to receive credited hours.
• Weekly Disability or Workers' Compensation Hours.
• School hours for Apprenticeship training with the Joint Apprenticeship Committee.
• Qualifying Family and Medical Leave of Absence, and
• Qualified Military Service. Military service up to 5 years for the United States is credited if you leave work with a contributing Plan employer for military service and return within the periods provided by law. You must present yourself for work in Covered Employment:
  • (a) within 90 days after your discharge from military service over 180 days, (b) within 14 days for military service between 30 and 180 days and (c) immediately for service under a month. For military service before 1994, you had to return to Covered Employment within 90 days of discharge regardless of the length of your military service. Military service for the United States is also credited if you leave work with a contributing Plan employer for military service and you either pass away or become disabled after December 31, 2006 while performing military service. Service is credited as though you had returned to work on the date of your passing or on the date of the onset of your disability. Hours credited for Qualified Military Service are treated the same as "Payment Hours."

No, Disability Benefits are for the member only. Spouses and Dependent Children are not eligible.

To obtain Loss of Time Benefits, a separate disability form completed by you and your attending Physician must be submitted to the Fund Office. Continuation of disability forms should be filed periodically thereafter, as required by the Fund Office, during the time you are away from work because of disability and while benefits remain to be paid. You and your attending Physician must always complete the continuation of disability form.

Yes, if you are receiving a Workers' Compensation Benefit you may be eligible to receive up to 52 weeks of credited hours towards Health Coverage.