HEALTH AND WELFARE FUND

​Statement of Grandfathered Status

The Board of Trustees believes that the Plan of the Beer Industry Local Union No. 703 Health and Welfare Fund is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that your Plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for the provision of preventive health services without any cost sharing. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits.​

​Questions regarding which protections apply, and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status, can be directed to the Fund Office at (708) 429-0046. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at 1-866-444-3272 or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.

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Initial Eligibility

You (an Employee Participant) are initially eligible for benefits on the first day of the month in which all four of the following requirements have been satisfied:

• You complete 90 calendar days of continuous employment with an Employer; and
• You are working in Covered Employment when you complete the 90-day period; and
• Contributions are received by the Fund from your Employer on your behalf; and
• You elect and pay the required contribution.

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PAYING FOR PARTICIPANT AND DEPENDENT COVERAGE:

​Employee Participant Coverage	​$50 per month
​Working Spouse Dependent Coverage	​An Additional $225 per month
​Non-Working Spouse Dependent Coverage	​An Additional $75 per month
​All Child Dependent Coverage	​An Additional $100 per month

There is a distinction between a Working Spouse and a non-working Spouse. A Working Spouse is a Spouse who:

• Is employed 30 or more hours per week; and
• Has a health plan available through his/her employment (regardless of whether the Spouse is enrolled under that health plan).
  

​A non-working spouse is Spouse who works less than 30 hours per week or who has no other employer-sponsored health plan available to him/her.

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FAMILY STATUS CHANGE

It is important that you notify the Fund Office as soon as possible if any of the following occurs:

• Your address changes
• You get married
  
• You have a child
  
• You adopt a child
  
• You become legally separated or get a divorce
  
• Your spouse's employment status changes
  
• A death
  

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A&S (ACCIDENT AND SICKNESS)
FORMS
​PLAN DOCUMENTS