The following questions and answers are general in nature. For more detailed information please refer to the Welfare Summary Plan Description and Plan Document or contact the Administrative Office.

FREQUENTLY ASKED QUESTIONS

1. How do I find out if I am eligible for benefits?
2. How do I find out what plan(s) I am enrolled in?
3. Do I need an identification card in order to access services? How do I get an identification card?
4. How do I add/delete my dependents?
5. How do I change the plan(s) I am enrolled in?
6. What happens if I am denied services?
7. What happens if I am laid off or fired from my job?

ANSWERS

1. How do I find out if I am eligible for benefits?
   You should call the Administrative Office to inquire if you are currently eligible for benefits.You become eligible for benefits on the first day of the second calendar month following the calendar month in which you work, or are paid for, the required hours of employment and your employer has made the required monthly contribution.

2. How do I find out what plan(s) I am enrolled in?
   You should call the Administrative Office to verify which plan(s) you are enrolled in.

3. Do I need an identification card in order to access services? How do I get an identification card?
   In most instances you do not need an identification card to obtain services. Some providers may ask you for your social security number in order to call the Administrative Office to verify your eligibility for services. You may need an identification card if you are enrolled in one of the HMO plans (Kaiser or Aetna). If so, you may contact the carrier directly or you can call the Administrative Office to request a card be sent to you.

4. How do I add/delete my dependents?
   New dependents should be added within 30 days of their becoming an eligible dependent. When a dependent is no longer eligible to be enrolled (overage, divorce) you should contact the Administrative Office immediately and request to delete the dependent from your coverage. In either situation you will be asked to complete a Plan Selection/Change form.

5. How do I change the plan(s) I am enrolled in?
   You may change the plan(s) you are enrolled in during Open Enrollment in November each year. The plan change will be effective January 1.

6. What happens if I am denied services?
   If you are denied service from a participating provider you should contact the Administrative Office to determine why. If you are improperly denied service please refer to the Summary Plan Description for further information on how to file an appeal.

7. What happens if I am laid off or fired from my job?
   You should refer to the Summary Plan Description "When Your Eligibility Terminates" to determine when your eligibility for benefits will terminate. You may also call the Administrative Office. You will receive a Notice of Your COBRA Continuation Rights which will explain how to continue your coverage. You will also receive a HIPAA Notice which confirms the period of creditable coverage under the Fund.