Health & Welfare Trust Fund
Kaiser Plan Highlights
You may elect medical and prescription drug coverage under either the Fund’s Plan or the Kaiser Health Maintenance Organization (HMO) program (provided you live in the Kaiser service area). Regardless of which option you choose for medical and prescription drug benefits, you are still eligible for the Fund’s other benefits.
Eligibility and Claims call the Fund Office at 800.844.8392 or 510.433.4422
Kaiser HMO - Call 800.464.4000
Kaiser Plan A+
Kaiser Plan A
Kaiser Plan B
Kaiser Prescription Drugs
Your prescription drug coverage is provided through Kaiser
Other Benefits
The Plan provides Chemical Dependency Treatment Benefits through the Operating Engineers Assistance Recovery Program (ARP). Treatment must be pre-approved by the ARP to be covered under the Plan. These benefits are subject to the Comprehensive Medical Plan lifetime maximum.
Assistance Recovery Program (ARP) Call 800.562.3277
Hearing Aid Benefits are available to all Eligible Individuals covered under the Plan, including Participants enrolled in the HMO plan. These benefits are subject to the Comprehensive Medical Plan lifetime maximum.
Zenith American Solutions (Fund Office) Call 800.844.8392 or 510.433.4422
Dental Benefits help you manage the amount you pay for dental treatment. Effective July 1, 2008 Dental Benefits are provided under an insurance contract between the Trust Fund and Delta Dental of California (Delta Dental). The plan is the Delta Dental PPO, a preferred provider organization (PPO) program that provides access to PPO dentists nationwide.
Delta Dental of California Call 800.765.6003
A Participant must be eligible for the Plan’s Dental Benefits to be eligible for Orthodontic Benefits. Please note that only certain Collective Bargaining Agreements provide for Orthodontic Benefits, and then in most cases only for your Dependent children up to age 23. You must be covered under a Collective Bargaining Agreement that requires your Employer to provide these benefits to be eligible. If eligible, Orthodontic Benefits begin on the first day of the calendar month following three-consecutive months of eligibility. Refer to the Schedule of Benefits insert at the back of this SPD or contact the Fund Office to find out if you are eligible for this benefit.
Note: Some collective bargaining agreements may provide for adult orthodontic benefits.
Delta Dental of California Call 800.765.6003 link to www.deltadentalins.com
You and your Dependents are eligible for Vision Benefits if your Employer makes the required contributions for this coverage. If eligible, Vision Benefits begin on the same day as other Plan benefits. Contact the Fund Office if you are not sure if you are eligible for this benefit.
The Fund has contracted with Vision Service Plan (VSP) and their VSP Signature Choice Plan network of vision care providers, to provide covered vision expenses at discounted prices. Your Plan benefits will go farther when you use VSP Signature Choice Plan providers because VSP providers have agreed to accept Plan maximums as payment in full. While you can use non-VSP providers, you are responsible for payment of any costs that exceed Plan maximums.
Vision Service Plan (VSP) 800.877.7195
Effective July 1, 2012, all active employees who currently have medical coverage provided by the Trust Fund are also eligible for a $10,000 life insurance and $10,000 accidental death and dismemberment (AD&D) benefit. Dependent life insurance is not included. This benefit is offered by ING Employee Benefit. No Employee contribution is required for this benefit.
Zenith American Solutions (Fund Office) Call 800.844.8392 or 510.433.4422
The Burial Expense Benefit is provided under an insurance contract between the Trust Fund and the Union Labor Life Insurance Company.
In the event of your death as an eligible Active Participant, the Plan will pay a benefit of $2,500 to your designated beneficiary to help pay for funeral expenses. Please note that certain Collective Bargaining Agreements may provide for a higher burial expense benefit. Contact the Fund Office to determine your benefit amount.
Note: Retired Participants are not eligible for the Burial Expense Benefit.
Zenith American Solutions (Fund Office) Call 800.844.8392 or 510.433.4422
