FAQ – H & W Fund

Frequently Asked Questions

Q: How do I determine if I’m eligible to enroll for coverage through the Fund?
A: Click on the “Benefit Plans” tab on the Health & Welfare drop-down for a list of employers that participate in the Fund.  

Q: I’m enrolled for coverage through the Fund.  How do I determine what is covered under my benefit plan??
A: Click on the “Benefit Plans” tab on the Health & Welfare drop-down for a list of employers and find your employer.  Then click on the “Plan” link on the right hand side of your employer for a summary of your benefits.  

Q: When can I enroll for coverage?
A: You must enroll within 60 days of the date you first become eligible for coverage.  Otherwise, you can only enroll during the annual open enrollment period.  Check with your employer, union or contact the Fund office for information about your open enrollment period.

Q: When do I become eligible for benefits?
A: Refer to your CBA or contract with your employer. Generally, benefits are effective on the first day of the month following your date of hire or the first day of the month following a waiting period which is specified in your CBA.

Q: How do I terminate my coverage? 
A: Once enrolled, you can only terminate your coverage during your open enrollment period.

Q: Can I enroll my dependents? 
A: Refer to your CBA or contact the Fund office for information regarding dependent eligibility.  Some CBA’s cover participant only.  Some CBA’s cover the participant and children, but not the spouse.  Some cover the participant, the spouse and children.

Q: I just had a baby.  Is my newborn child covered under my plan? 
A: You can enroll your newborn child if your plan allows for coverage of dependent children.  You will need to complete a new enrollment form and return it to your employer within 60 days of your child’s birth.  Your employer will submit your enrollment form to the Fund office.  Please keep a copy of the form for your records.

Q: I just got married.  Can I add my spouse to my plan? 
A: You can enroll your spouse if your plan allows for spousal coverage.  You will need to complete a new enrollment form and return it to your employer within 60 days of your marriage along with a copy of your marriage certificate.  Your employer will submit your enrollment form and marriage certificate to the Fund office.  Please keep a copy of the form for your records.

Q: How long can I cover my children under the plan? 
A: If your plan allows for coverage of children, they are covered until the last day of the month in which they turn age 26. Children do not have to be students, unmarried, financially dependent or living with their parent in order to be covered.

Q: Who pays for my coverage? 
A: Your employer makes a monthly contribution to the Fund.  Some CBA’s require the participant to pay a portion of the contribution for the participant’s coverage and (or) dependent coverage.  The participant’s cost is deducted through payroll deductions.  The participant does not make payments to the Fund.  Some Collective Bargaining Agreements require the employer to pay the entire contribution for the participant and dependent coverage.  In these situations, there is no cost to the participant.

Q: How do I report an address change? 
A: Contact the Fund office and your employer to report a change of address.

Q: Who do I contact if I need a replacement ID card? 
A: Contact the Fund office to request a replacement ID card.

Q: How long will my benefits be in effect after my employment terminates? 
A: Coverage terminates on the last day of the month in which your employment ends. After your coverage terminates the Fund will send you a COBRA election package.

Q: I’m an SEIU union member; however I do not see my employer on the list of participating employers.  How do I determine if I have healthcare benefits? 
A: Some SEIU members receive benefits through other SEIU Funds or through an employer sponsored plan. Contact your employer or your local SEIU union to determine if you have coverage. We have provided a link to some of the other SEIU Funds throughout the country.

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