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Mo-Kan Sheet Metal Workers Welfare Fund Retirees

Want to retire with benefits?  Have questions about Medicare?  Looking for a Medicare Supplement Plan? 
The information found below can help you answer some questions you may have about retirement, Medicare, and Medicare Supplement policies.

Basic Retiree Eligibility Rules – Also found in the Summary Plan Document beginning on page 34 Section 4-3.  For more information, Click here.

Eligibility for Retired Employee Benefits

If You do not apply for COBRA coverage when You retire from work in the Sheet Metal Industry, and Your coverage for Welfare Fund Active Employee Benefits would otherwise terminate, You may apply for coverage for Yourself and Your eligible Dependent(s), if, before terminating employment within the jurisdiction of the Collective Bargaining Agreement of one of the participating Local Unions or under a Participation Agreement calling for contributions to the Fund

  1. You are at least age 55 and not eligible for Medicare coverage; and
  2. You had either:
             
    a.   Five (5) full consecutive calendar years of eligibility immediately prior to
    retirement, with at least 3,000 hours of work for which contributions
    were required to the Fund, including hours credited as a result of
    disability, and some covered employment on the last 3 years; or
    b.   At least 10 full calendar years of eligibility during the 15 calendar years
    immediately prior to retirement.

You must apply for coverage within 60 days of the date You lose eligibility for the Fund Benefits as an Active Employee. You will be notified of the amount of the required monthly contribution as determined from the time by the Board of Trustees. Payment is due by the 20th day of the month preceding the month coverage is to begin, and in each  following month. If payment is not received on a timely basis for any month, coverage will terminate and cannot be reinstated without a return to Active Employee eligibility.

You and Your eligible Dependent(s) will be covered under the same Plan that You were covered under as an Active Employee immediately prior to Your retirement.

Benefits for Retired Employees under each of these Plans are different in some ways from those of Active Employees, as described in the Benefit Summary.

Certified Disability of Retirees

If You are unable to work because of a Certified Disability You will be considered eligible for Retired Employee Benefits if You meet the requirements concerning employment stated in Item 2. in the previous Section, and You were eligible for this Plan’s benefits on the date of termination of Your employment. There is no minimum age requirement.

A Certified Disability is one for which You are drawing:

  1. A Social Security Disability Pension; and/or
  2. A Disability Pension from a Sheet Metal Industry Pension Plan.

If You qualify as a disabled Retiree You may obtain coverage for Retired Employee Benefits by sending Your proof of disability and the required contribution to the Fund Office in the manner and amount specified by the Board of Trustees.

Long Term Service Retirees (Effective January 1, 1987)

You will be eligible for a Special Life Insurance Benefit if, at retirement:

  1. You are age 60 or over;
  2. You had 25 years of employment covered by the Collective Bargaining Agreement of a Local Union affiliated with the Sheet Metal Workers International Association or a Participation Agreement with the Fund;
  3. You had 5 full consecutive calendar years of eligibility immediately prior to retirement, with at least 3,000 hours of work for which contributions were required to the Fund, including hours credited as a result of disability, and some covered employment in the last 3 years;
  4. You had at least 10 full Calendar Years of eligibility during the 15 Calendar Years immediately prior to retirement; and
  5. You were eligible for this Plan’s Benefits on the date of termination of Your employment.

Effective Date of Coverage for Retiree Benefits

If You meet the qualifications for one of the types of Retired Employee Benefits described, You will become eligible for such Benefits on the first day of the month following the month Your application and self-payment are received by the Fund Office.

Termination of Retired Employee Benefits

Eligibility for Retired Employee Benefits will terminate on the earliest of the following dates:

  1. The date You attain 65 years of age:
  2. The date You become eligible for Medicare; or
  3. The last day of the month preceding any month for which You have not made the required self-payment to the Fund Office.

The Retired Employee shall notify the Fund Office within 10 days of notification of eligibility for Medicare.


Medicare Contact Information

Toll-Free:  1-800-MEDICARE or on-line at www.medicare.gov.  You can check out the “New to Medicare?” or view Frequently Asked Questions, http://questions.medicare.gov/app/home.


Medicare Supplemental Plan Options

What is a Medicare Supplement Plan?  A private health insurance designed to supplement the coverage provided under governmental programs such as Medicare.

Where can you sign up for a supplemental policy?  Several private insurers have what are called Medigap policies.  Here are some links to view different options:

https://www.medicare.gov/find-a-plan/questions/home.aspx - Find and compare Medicare Supplement Plans for your age group and location.

http://www.sheetmetalsam.org/Files/SubsidyReq.pdf - The Sheet Metal Workers National Association offers a Supplemental Medicare Wraparound program.  Contact the International Office toll-free at 866-769-7587 for more information.

 

Mo-Kan Sheet Metal Workers Welfare Fund

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