Enrollment

I've been working for three months. When will I be eligible and when will I get my ID Card and plan booklets?

How do I enroll my spouse and children?

Why do you need to know if my spouse has other health insurance?

Why does the Trust need my divorce decree?

General

How long do I have to file a claim?

Does the plan pay for weight reduction programs?

ANSWER: You need 275 covered hours in a three-month period to earn eligibility under the Carpenters Health and Security Plan. You are then eligible for a three-month period on the first of the fifth month. The fourth month is known as the "lag" month and is the time required by your employer to send hours to the Trust. The Trust will mail an enrollment package sometime during the first two weeks of your covered eligibility.

ANSWER: An enrollment card is available from the Trust Office or your Local Union…

ANSWER: The Carpenters Health and Security Plan is required to coordinate the payment of benefits with other health plans. Information about other health coverage from your spouse or other family members expedites this process.

ANSWER: A divorce decree is necessary when establishing eligibility under the health and security plan and for determining beneficiaries under the life insurance benefit and the two pension plans.

ANSWER: A completed claim and the appropriate documentation must be received by the Trust within 12 months of the date of service. If a claim is received by the Trust after this 12-month period, it will be denied.

ANSWER: No.