|
LIFE
INSURANCE - FOR ACTIVE EMPLOYEES ONLY |
| THE
BENEFIT |
$8,000
Group Life Insurance will be paid in the event of your death from any cause. |
|
YOUR
BENEFICIARY |
Your
beneficiary may be any person or persons you name, and you may change your
beneficiary at any time. If your beneficiary does not outlive you, and you do
not select another, your beneficiary will be the surviving person or persons in
the order listed below:
|
 |
spouse |
|
|
children |
|
|
parents |
|
|
brothers
and sisters |
|
|
executor
or administrator |
If
two or more persons are entitled to receive benefits, they will share equally
unless you designate otherwise. You may change your beneficiary by
completing a new beneficiary form. |
|
 |
|
| LIFE
INSURANCE FOR YOUR FAMILY - FOR ALL ELIGIBLE DEPENDENTS OF ACTIVE
EMPLOYEES |
| THE
BENEFIT |
The amount of Life Insurance shown
in the schedule below will be paid to you if one of your covered dependents
dies.
|
Spouse
|
$2,500 |
|
Children:
|
|
|
14
days but less than 6 months |
$
100 |
|
6
months but less than 26 years of age, while an eligible dependent |
$1,000 |
If
a dependent dies from any cause while eligible in the Plan or within 31 days
following the termination of such eligibility, the Fund will provide the
benefit described above.
|
|
|
HOW
TO FILE A CLAIM
|
|
Life
Insurance claim forms for the death of an Active participant or a dependent are
available from the Fund Office. For further details, contact the Death
Benefits Department.
|
|
Important:
There are no Life Insurance or Accidental Death & Dismemberment benefits
for Retirees. Instead, the Health & Welfare Plan has a death benefit
of $2,500 available upon the death of an eligible Retiree or eligible
spouse. The Retiree or spouse must be eligible for Health & Welfare
coverage at the time of death in order to qualify.
There is no coverage under the COBRA plan for
life insurance. |
|
ACCIDENTAL
DEATH & DISMEMBERMENT BENEFITS
|
| THE
BENEFIT |
Your
Accidental Death and Dismemberment Benefit will be paid for any of the following
losses through accidental means, on or off the job. The loss must occur
within 90 days after the accident. Payment will be made regardless of any
other benefits you may receive. |
|
| |
Loss of Life: |
$8,000
(Paid
to your beneficiary)
|
|
|
|
|
|
|
Loss
of:
 |
Both
hands |
|
Both
feet |
|
Sight of
both eyes |
|
One hand
and one foot |
|
One hand
and sight of one eye |
|
One foot
and sight of one eye |
|
$4,000
(Paid
to you) |
|
|
|
|
|
|
Loss of:
|
One hand |
|
One
foot |
|
Sight of
one eye |
|
$2,000
(Paid
to you) |
|
|
|
Your
beneficiary may be any person or persons you name. You may change your
beneficiary at any time by completing a new beneficiary form available at the
Fund Office.
If you suffer more than one loss in an accident, payment will be made only for
the one loss for which the largest amount is payable.
|
|
ACCIDENTAL
DEATH
AND
DISMEMBERMENT
EXCLUSIONS |
No
benefit will be paid for any accidental death or dismemberment loss caused by or
resulting from:
|
|
|
|
- Drug,
chemical, poison or inhalation of gas.
|
|
- Injury
that is sustained:
(a) in
the course of any medical or dental diagnosis or treatment: or
(b) while
you are in any aircraft unless you are a paying passenger on a regularly
scheduled flight.
|
|
- Injury
that is intentionally self-inflicted while sane, or self-inflicted while insane.
|
|
- Injury
that results from:
(a) any
act of war;
(b) your
commission of a crime; or
(c) any
release of nuclear energy.
|
|
|
HOW
TO FILE A CLAIM
|
|
Accidental
Death & Dismemberment claim forms are available from the Fund Office.
For further details, contact the Death Benefits Department.
|
|
WEEKLY
DISABILITY BENEFIT (So. Nevada Only)
(FOR ACTIVE PARTICIPANTS) |
|
Nevada
does not have a State Disability program so the Health & Welfare Fund
receives an additional hourly contribution for Southern Nevada employees.
This additional contribution funds a weekly Disability program for eligible
participants in Southern Nevada.
Total disability for the purposes of this benefit means that the eligible
individual is unable, due to disease, injury or pregnancy, to perform the
substantial and material duties of the occupation he or she was engaged in when
the disability occurred, and that the disabled individual is not engaged in
any gainful occupation.
Any
two covered disabilities will be considered to be one unless:
-
The
Eligible individual had returned to work on a full-time basis for two
consecutive weeks between the two covered disabilities; or
-
The
late disability is due to an injury or disease entirely unrelated to the
causes of the earlier disability and begins after the eligible participant
returns to work on a full-time basis.
There
is a 7-day waiting period for disability due to illness; no waiting period for
injury.
Benefits
are reduced by any State or Federal disability benefits you received.
The
current payment is $70.00 per day or $490.00 per week, for a maximum of
52 weeks. |
|
HOW TO FILE A CLAIM |
|
Southern
Nevada Weekly Disability forms are available from the Fund Office, the Las Vegas
District Office of I.U.O.E., Local 12, or here. You and your doctor must
complete the form and return it to the Fund Office for processing.
|
|
WEEKLY
DISABILITY
EXCLUSIONS
|
No weekly
disability benefit will be paid for any period during which the Active employee
is not under the care of a physician or other medical practitioner.
No weekly disability benefit will be paid for a
disability that is caused by or related to any injury or sickness that: |
|
- is
intentionally self-inflicted while sane or that is self-inflicted while insane;
|
|
- results
from any act of war;
|
|
- results
from your commission of a crime;
|
|
- results
from the release of nuclear energy; or
|
|
- results
from or arises out of any past or present employment or occupation for
compensation or profit.
|
|
|
|
|
SUPPLEMENTAL
DISABILITY BENEFIT (California Only)
(For
Active Participants) |
The Health & Welfare Fund’s Supplemental Disability Benefit was suspended
in July, 2000. No supplemental benefits are available under any circumstances.
The supplemental benefit was originally implemented by the Board of Trustees at
a time when the weekly State Disability (SDI) benefit was lower than the weekly
benefit available under the California Workers’ Compensation program. At that
time, disabled participants receiving SDI payments were eligible for a
supplemental benefit from the Fund to equal the amount they would have received
had they applied for the Workers’ Compensation benefit.
Effective in July 2000, the California SDI benefit and the California Workers’
Compensation benefit were equalized. Both programs now provide a maximum benefit
of $602.00 per week. No matter which program is providing your benefit, the
weekly amounts are identical. They are based on your wages in your highest
quarter of earnings in the base period.
Since the need for the supplemental benefit was eliminated by this equalization
of benefit amounts, the Trustees elected to eliminate the Supplemental
Disability Benefit. The benefits will remain equal until at least December 2005.
However, in the event there is a disparity between the benefits sometime in the
future, you will be notified if the Trustees elect to reinstate the benefit.
If you are receiving less than the maximum benefit of $602.00 per week, it is
because your earnings in the base quarter were lower than $14,207.00. No
supplemental payment is available from the Fund.
|
|
|
