Benefits For Actives

Schedule of Benefits for Locals 111, 112, 393, 444

Schedule of Benefits for Local 380 

Health Benefits

The Comprehensive Medical Benefit covers a wide range of medical expenses and provides financial protection when you and your family need medical care.

Both the Active and Non-Medicare Retiree Plans of Benefits work similarly. Generally, after you pay an individual deductible (up to a family limit), the Plan and you share the cost of medical expenses. The Plan pays:

  • A percentage of the network charges or the allowable charges for non-network providers. Once your out-of-pocket expenses reach the annual limit, the Plan will then pay 100% for any additional network expenses for that year.
  • Benefits up to any annual or lifetime limits.
  • Wellness Benefits, such as physicals, without a deductible, at 100%.

For more information, including your deductibles, the percentages the Plan pays and annual limits, refer to the section titled Your Medical Benefits of your Summary Plan Description (SPD).

Your Prescription Drug Benefit features a retail pharmacy program and a mail-order program. The retail pharmacy program is for short-term prescriptions (up to a 34-day supply). The mail-order program is for long-term prescriptions (up to a 90-day supply).

For more information on this benefit, see the section titled The Prescription Drug Benefit of your Summary Plan Description (SPD).

The Dental Expense Benefit will pay a percentage of covered expenses depending on the type of services you receive. The percentages are as follows: 

Preventative and Diagnostic 100%
Restorative and Prosthodontics 80%
Orthodontic 60%

Benefits are paid each year up to the individual annual maximum of $1,000. This maximum does not apply to preventive services for children under the age of 19. Benefits for Orthodontic services are paid up to the lifetime orthodontic maximum of $1,000, and are only available to covered Dependents under age 19.  See the section titled Dental Expense Benefit (If Shown On Your Schedule of Benefits) , for more information..

When you use VSP providers (in-network), many of your services are provided at no cost to you. Even when you go to a non-VSP provider (out-of-network), you will continue to receive the $200 per person annual allowance.

See the section titled Vision Care Benefit (If Shown On Your Schedule of Benefits) of your Summary Plan Description (SPD), for more information.

Life Insurance Benefits

You are provided with financial assistance to your family in the event of death through Employee Life Insurance and Dependent Life Insurance. Life Insurance Benefits are not available under the Retiree Plan of Benefits or Medicare plan.  See the section titled Life Insurance Benefit—For Eligible Employees and Their Dependents of your Summary Plan Description (SPD) for more information.

In the event of your death, a Life Insurance Benefit of $10,000 will be paid to your beneficiary.

In the event of a covered Dependent’s death, a Dependent Life Insurance Benefit is payable, as follows:

  • Spouse: $2,500
  • Child: $2,500

You may designate more than one beneficiary and indicate the percent of the benefit to be paid to each person. To designate a beneficiary, or to change your beneficiary at any time, contact the Fund Office for the proper form. If you do not designate a beneficiary, or if your beneficiary does not survive you, payment is made in equal shares to the members in the first appropriate surviving class:

  • Your spouse;
  • Your children;
  • Your parents;
  • Your brothers and sisters; or
  • The executors or administrators of your estate. 

Accidental Death and Dismemberment (AD&D) Benefits—Employees Only

The Accidental Death and Dismemberment (AD&D) Insurance Benefit is payable if you sustain a loss as a result of an accident, with the loss occurring within 90 days. This benefit is in addition to any other benefits under this Plan. The AD&D Benefit is provided through an insurance carrier and is not available under the Retiree Plan of Benefits. For the loss of life, the AD&D Benefit will be paid to your named beneficiary; otherwise, the benefit is payable to you.

For more information, including the amount of the Principal Sum and when benefits become payable, see the section titled Accidental Death and Dismemberment (AD&D) Insurance Benefit—For Eligible Employees Only in your Summary Plan Description (SPD).

Weekly Accident and Sick Benefits—Employees Only

 The Weekly Accident and Sickness Benefit provides benefits when you are unable to work due to non-occupational sickness or injury. This benefit is payable if you:

  • Become disabled as a result of non-occupational injury or sickness, and
  • Are under the regular care of a Physician. 

Benefits are payable only after you submit written proof of the sickness or injury to the Fund Office (taxes will be withheld). To learn more about this benefit, including when benefits become payable, see the section titled Weekly Accident and Sickness Benefit—For Eligible Active Employees Only for your Summary Plan Description (SPD).

Example

Dave broke his leg and had to have a pin put in surgically. He was out on disability for 12 weeks. Then he came back to work for a week and found out that his wound from surgery had an infection and he had to have more surgery and was out on disability for another 16 weeks. Even though Dave came back to work, both disabilities are related and Dave didn’t work for at least 350 hours in three months. Therefore, Dave would only receive benefits for 26 of the 28 weeks that he was disabled.

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© Iron Workers Tri-State Welfare Fund. The information on this Web site presents selected highlights of the Iron Workers Tri-State Welfare Fund. The actual Plan provisions of the Plan are in the Plan’s legal document. In the event of a conflict between the wording on the site and the legal documents, the legal documents will govern. The Trustees reserve the right to amend, modify, or discontinue all or part of the Plan at any time.