SPD Active & Retiree Members School Division
We are pleased to present you with this Summary Plan Description (“SPD”), which describes the benefits offered under the plan of benefits (the “Plan”) of the Health and Benefit Trust Fund of the International Union of Operating Engineers, Local 94-94A-94B, AFL-CIO (the “Fund”), that were in effect as of January 1, 2018 (unless specified otherwise herein). This SPD described more fully, the Plan that provides health benefits to eligible Members through agreements with Empire Blue Cross Blue Shield (“Blue Cross”), CVS/Caremark and Sele-Dent Inc. (“Sele-Dent”), as the Fund’s other various vendors as well as from the general assets of the Fund.
If you or your eligible dependents satisfy the eligibility requirements applicable to eligible members who are actively employed, Retired, or any individuals who have elected COBRA Continuation Coverage (as such requirements and term are defined in the Fund’s SPD) please refer to Empire Blue Cross Blue Shield’s Booklet (a copy of this booklet is attached as Appendix A to the Fund’s SPD) as well as to the Fund’s SPD for an overview of the medical, health care and hospitalization benefits offered under the Plan to eligible members who are actively employed, Retired, or any individuals who have elected COBRA Continuation Coverage as well as their eligible dependents.
If you or your eligible dependents satisfy the eligibility requirements applicable to Retirees (as such requirements and term are defined in the Fund’s SPD) please refer to Section 4 Retiree Benefits for further details.
Appendix B is the Plan’s fee schedule for dental benefits.
Appendix C is a partial list of Sele-Dents schedule of co-payments for dental benefits utilizing Sele-Dent’s PPO Network.
Appendix D is the Health & Benefit Fund’s Notice of Privacy Practices.
To get more information on how the Health & Benefit Fund works for the Active and Retiree members in the School Division you can download and read the SPD for the Active and Retiree Members in the School Division and the Health and Benefit Fund Summary of Material Modifications (SMM) dated 11/30/2018.
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What are the acceptable reasons for taking a loan from my Annuity Fund account?
In certain cases, you can take out a loan from your Annuity Fund account. Reasons to take out a loan include:
- Buying or fixing a principal residence
- Medical bills that are not reimbursed by medical insurance
- Educational expenses (tuition) at an accredited school, including vocational school, at any level
- Expenses incurred for the legal adoption of a child
- Funeral expenses incurred because of the death of your Spouse or a dependent child
You are eligible to apply for a loan if you are actively employed by a Contributing Employer, and you have been so employed for at least three years. You may have only one loan outstanding at a time. An outstanding loan balance (active or defaulted) must be paid in full prior to applying for a subsequent loan (except those loans that were defaulted prior to January 1, 1996). The maximum loan amount is the lesser of $50,000 or 50% of your account balance.
For more information, please go to the Annuity Fund section of this site.