Health and Welfare Plan BenefitTabs™

  • Death Benefit

  • Eligibility

    Active participants and pre-age 62 Early Retiree Members.

  • Death Benefit

    $50,000 ($100,000 for accidental deaths). Health and Welfare coverage must be in force at the time of death. The death benefit does not apply to deaths occurring as a result of suicide or self-inflicted injuries, or upon the death of pre-age 62 retirees who are covered under the Plan as a result of permanent disability.

  • Eligibility

    Active participants who satisfy the minimum hours worked rule are eligible. Application and proof of inability to work satisfactory to the Plan is required.

  • Minimum Number of Hours Worked

    To satisfy this requirement, an applicant must meet at least one of the following employment conditions:

    • 250 hours during the 3 months immediately preceding disability;
    • 500 hours during the 6 months immediately preceding disability;
    • 750 hours during the 9 months immediately preceding disability;
    • 1,000 hours during the 12 months immediately preceding disability;
    • 2,000 hours during the 24 months immediately preceding disability; or
    • 3,000 hours during the 36 months immediately preceding disability.
  • Limited Benefits Rule

    Participants having less than 36 months may qualify for one month of disability benefits for each calendar month they worked a minimum of 120 hours (or were available for work and registered as such with IBEW Local 6) within the 36 months prior to disability.

  • Duration of Benefit Payments

    Disability benefits are limited to the number of months the Participant was employed for at least 120 hours (112 hours during periods when a 28 hour work week is in force) during the 36-months immediately preceding the onset of disability up to a maximum of:

    1. 12 months; or
    2. 18 months if the participant has filed, and is awaiting response to, an application for Social Security Disability Benefits; or
    3. 36 months if the participant has received a favorable determination on an application for Social Security Disability Benefits

    If earlier, benefits will cease upon recovery or retirement under an IBEW Local Pension (including Defined Contribution and Defined Benefit Plans)

  • Amount of Benefit

    $1,000 per month (first 6 months, FICA taxes will be withheld. Benefits are prorated for any month in which the participant is not disabled for the entire month. In addition, $31.25 per month (or prated amount) is payable to the Northern California Electrical Workers Pension Plan. Exception: the pension contribution ceases upon retirement under the Northern California Electrical Workers Pension Plan.

  • Waiting Period

    The first check is payable at the end of the month following a 30 day waiting period, and will resume, thereafter, at the end of each month during period of entitlement.

  • Timely Filing Requirement

    Application must be filed no later than 90 days after the later of 1) the end of the 30-day waiting period or 2) exhaustion of your health & welfare reserve hourbank balance.