Massachusetts Laborers' Benefit Funds: Health and Welfare fund

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Eligibility Rules

Eligibility Rules

Your eligibility to participate in Plan A or Plan B for each 6-month Eligibility Period will depend on the number of recorded hours of employment you accumulate with one or more contributing employers within a period of 12 consecutive months.

Two Eligibility Requirements

Plan A – 1,000 hours within a 12-month Qualifying Period = coverage during a 6-month Eligibility Period

Plan B – 700 hours within a 12-month Qualifying Period = coverage during a 6-month Eligibility Period

First Qualifying/Eligibility Period Requirement

Oct	12- Month Qualifying Period
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct	Collection Lag for Employer Contributions
Nov
Dec
Jan	6-Month Eligibility Period
Feb
Mar
Apr
May
Jun

Second Qualifying/Eligibility Period Requirement

Oct	12- Month Qualifying Period
Nov
Dec
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Apr	Collection Lag for Employer Contributions
May
Jun
Jan	6-Month Eligibility Period
Feb
Mar
Apr
May
Jun

Hours Requirements

Plan A provides coverage for members who accumulate 1,000 recorded hours of employment during a 12-Month Qualifying Period.
Plan B provides coverage for members who accumulate 700 recorded hours of employment (but less than 1,000 hours) during a 12-Month Qualifying Period.

Example

Your eligibility during the 6-Month Eligibility Period beginning January 1, 2007 will depend on the number of recorded hours of employment you accumulated during the 12-Month Qualifying Period beginning on October 1, 2005 and ending on September 30, 2006. If you work 1,000 or more hours, you will be eligible for Plan A. If you work 700 hours but fewer than 1,000 hours, you will be eligible for Plan B.

Maintaining Your Eligibility

Once you gain eligibility, your eligibility will continue as long as you work at least 1,000 hours (Plan A) or 700 hours (Plan B) in a 12-Month Qualifying Period for the next 6-Month Eligibility Period.

BACK

This information is intended only to provide highlights of the plans. In the event of any inconsistency between the information on this Web site and the official plan document, the terms of the official plan document, as interpreted by the Board of Trustees in its sole discretion, will control. All examples and projections included on this Web site are not a guarantee of future benefits under the plans. The benefit amounts are estimates only, based on the stated assumptions and are subject to change.

The Massachusetts Laborers' Benefit Funds reserve the right to amend, modify, or terminate all or part of any plan at any time.