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Welfare Fund

 

Frequently Asked Questions


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anchor bullet When does my life insurance become effective?
anchor bullet When do short term disability benefits become payable?
anchor bullet What conditions must be met for disability benefit payments to continue?
anchor bullet How is the short term disability benefit figured?
anchor bullet When do these benefits stop?
anchor bullet What happens if I return to work after a disability and become disabled again?

 

When does my life insurance become effective?

Unlike other Welfare benefits, your full coverage life insurance becomes effective October 1 of each contract year provided you earned a minimum of 1000 work hours during the prior contract year.


When do short term disability benefits become payable?

The claims administrator approves payment of a weekly benefit after the end of the elimination period and only when you and your doctor provide proof that you:

  1. are disabled due to illness or injury, and
  2. are under appropriate treatment and care of a physician.

What conditions must be met for disability benefit payments to continue?

You will be paid a weekly benefit as long as you remain disabled and are under the appropriate treatment and care of a physician. You will not be paid longer than the maximum benefit period shown in the Plan outline.

The claims administrator may require that you be examined by an independent physician specialist. If you fail to comply with such a request, the result may be an interruption in or suspension of benefits. Benefits may also be suspended if the results of the independent examination determine that you are not disabled under the definition of the Plan.

You will be required to file a claim with the claims administrator in order to be considered for benefits. You will also be required to give the claims administrator periodic proof that your disability continues. Such proof will be provided at your expense.

How is the short term disability benefit figured?

Based upon your hours during the previous Contract Year, you will qualify for one of the weekly benefit levels shown on page 17 of the Welfare Summary Plan Description, however, your weekly benefit will not exceed 2/3rds of your basic weekly earnings during the 365 days of employment prior to your injury or illness. Benefits payable for less than one week will be paid to you at the rate of 1/7th of the short term disability benefit amount for each day of total disability.

When do these benefits stop?

Benefits will stop on the earliest of:

  • the date you return to work;
  • the date you are determined to be no longer disabled;
  • the end of the Plan's maximum benefit period;
  • the date of your retirement;
  • the date of your death

What happens if I return to work after a disability and become disabled again?

If you are disabled, return to work, and become disabled again due to the same or a related cause, the second disability will be considered a continuation of the first period of disability, as long as you had returned to work for less than seven calendar days.                                

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