Marriage
To enroll a new spouse for
coverage, you must complete a new
Enrollment
Card within 60 days of your marriage. A
copy of the certified marriage certificate must also be provided to the Trust
Office. Coverage for your new spouse will begin after enrollment is completed
retroactive to the date of marriage.
You must also designate a
life insurance beneficiary on the new
Enrollment
Card.
Newborn,
Adopted, Legally Placed, or Step Children
To
enroll a new baby or a new dependent child, you must complete a new
Enrollment
Card within 60 days of the marriage,
birth, placement for adoption, adoption, or the date the child was legally
placed in your care (please see Other Enrollment
Documents).
Your newborn child will be
eligible for coverage on the date of birth. If a child is placed with you for
adoption, the child will be eligible for coverage on the date of the placement
for adoption as long as the child satisfies the eligibility requirements of this
plan. If a child is legally placed with you by virtue of a court order, the
child will be eligible for coverage on the date of the court order. Stepchildren
who live in your home are eligible for coverage on the date of your marriage.
Please see Eligible Spouse and
Dependent Children for
additional details about eligibility.
Legal
Separation or Divorce
Eligibility for your spouse
and stepchildren continues until the end of the month in which the legal
separation or dissolution of marriage becomes final (please see Eligible Spouse and
Dependent Children and Termination of
Coverage). However, your
spouse and stepchildren may elect to continue coverage under COBRA Continuation
Coverage for up to 36 months if they would otherwise lose plan coverage (please
see COBRA Continuation
Coverage).
If, following a divorce, you
want your ex-spouse to remain the beneficiary for your life insurance benefit,
you must rename him or her on a new
Enrollment
Card.
A Qualified Medical Child
Support Order (QMCSO) could have an effect on benefit coverage. Please notify
the Trust Office if a QMCSO is part of a divorce proceeding (please see
Eligible Spouse and
Dependent
Children).
Child’s
Loss of Eligibility
Coverage for your covered
dependent children ends on the last day of the month in which you, your spouse
or your dependent child no longer satisfies the eligibility requirements of the
plan (please see Eligible Spouse and
Dependent Children,
Suspension of
Eligibility For Noncovered Employment
and Termination of
Coverage).
Your dependent children may
elect to continue coverage under COBRA Continuation Coverage for up to 36 months
if they would otherwise lose plan coverage (please see COBRA Continuation
Coverage).
Death
of Spouse or Child
You should notify the Trust
Office of the death of a covered spouse or dependent child. When the Trust
Office is notified, you will receive the information necessary to submit a life
insurance claim (please see Life Insurance
Benefits).
A new
Enrollment
Card is required to change your life
insurance beneficiary.
Death
of Participant
Your surviving spouse,
dependent children or beneficiary should notify the Trust Office if you die.
Your spouse and dependent children are covered under this plan until your earned
eligibility is exhausted (if applicable) as long as they continue to meet the
eligibility requirements of this plan. COBRA Continuation Coverage is also
available. In certain circumstances, your surviving spouse and dependent
children may qualify for the Carpenters Health and Security Plan – For
Retired Carpenters (please see Carpenters Health and
Security Plan – For Retired
Carpenters). When the
Trust Office is notified of your death, your beneficiary will receive the
information necessary to submit a life insurance claim (please see Life Insurance
Benefits). A surviving
spouse must also complete
a
Life Insurance Beneficiary Designation – Surviving
Spouse form naming a new life insurance
beneficiary.
If the surviving spouse
remarries, his or her eligibility and the eligibility of his or her dependent
children in this plan is unaffected. However, members of the surviving
spouse’s new family cannot enroll in this plan. Separate rules govern
COBRA Continuation Coverage.
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