Your Northern California Plasterers Health Benefits
Just like choosing the right tools for a job, you have important choices to make about your health and health care. With Northern California Plasterers health benefits, you have a choice of medical plans so that you can select the one that’s right for you and your family. You also have dental and vision coverage to take care of every aspect of your health.
Eligibility For Health Benefits
The Northern California Plasterers Health & Welfare Trust Fund utilizes an advanced eligibility system to determine eligibility for health benefits. You become eligible for coverage the first day of the third month following the month in which 210 hours have been reported and paid into your reserve account. These hours must be worked in two consecutive months. For example, if you worked a total of 210 hours between April and May, and these hours were reported and paid for by your employer by June, your eligibility would begin in August.
To maintain eligibility each month, the “cost” is 105 hours per month. If you have more than 105 hours reported and paid, the excess will go into your reserve account. Your reserve account can hold up to a maximum of 420 hours and acts like a bank. In months in which fewer than 105 hours are reported and paid on your behalf, the hours in your reserve account will be used to maintain coverage.
I worked 150 hours in March and 100 hours in April. When will I be eligible?
You will be eligible for coverage the first day of July, provided your employer reports and pays these hours on your behalf by May.
I only worked 80 hours in September, but I’ve been eligible for the prior 3 months. Will I lose my December eligibility?
As long as you have at least 25 hours in your reserve account, so that your total hours equal 105, your eligibility will be maintained.
I worked 140 hours in December which is more than the minimum needed. What happens to those additional 35 hours?
Once you establish initial eligibility, any hours reported over 105 each month are credited to your reserve account, up to a maximum of 420.