Initial Eligibility

A07 Benefit Package:

To initially establish eligibility you must have $2,175 or more in your dollar bank account within the three-month period. At least $1.00 of contributions must be earned in the first month of the three-month period. You must enroll with the Trust Office before a claim can be processed.

B07 Benefit Package (previously enrolled in the Carpenters-Employers Health and Security Plan of Washington-Idaho):

To initially establish eligibility you must have $2,025 or more in your dollar bank account within the three-month period. At least $1.00 of contributions must be earned in the first month of the three-month period. You must enroll with the Trust Office before a claim can be processed.

Dependent Eligibility

The following family members become eligible at the same time you become eligible

• A lawful spouse, unless legally separated.

• A domestic partner subject to satisfaction of certain enrollment and tax prepayment requirements.

• Unmarried children who are under age 19 (or ages 19 through 23 and full-time students) and who have the same principal place of residence as you and have not provided over one-half of their own support for the calendar year. Children include:

  • Natural children and legally adopted children.
  • A child placed with you for adoption before the adoption is finalized.
  • Stepchildren who live with you.
  • Children of domestic partners who live with you.
  • Legally placed children, meaning any child dependent by virtue of a court order specifying that you have legal custody.
  • Natural children born out of wedlock.
    
    

Lag Month

Because the Trust Office needs to process the contributions sent in by your employer, there is a lag month between the month your dollar bank accumulated $2,175 for A07 or $2,025 for B07 and the month your eligibility begins. So, if you reach a dollar bank balance of $2,175 (A07) for initial eligibility in April, then your coverage will begin on June 1st. May is the lag month.

Continuing Eligibility

After you establish initial eligibility, the cost for one month of eligibility is $725 for A07 and $675 for B07. The monthly deduction from your dollar bank account is made the month before the month of eligibility.

Losing Coverage

Your eligibility ends on the first day of the month your dollar bank account is less than the amount required to buy one month of eligibility ($725 for A07 and $675 for B07). Other, less common, reasons for termination of eligibility can be found in the SPD. When you lose coverage you may be able to self-pay for coverage under COBRA for a limited time. If you are temporarily unemployed or disabled, other self-pay options may be available (A07 only).