Health and Welfare Plan Benefits
A Preferred Provider Organization (PPO) is a group of physicians and hospitals that have negotiated a contract with the Welfare Trust Fund to provide discounts to members. Physicians and hospitals that participate in the PPO Network are known as PPO Providers. BlueCross BlueShield, the Plan’s current PPO Network, will answer your questions regarding whether your provider participates in their network.
The Welfare Trust Fund has entered into an agreement with a Preferred Provider Dental Organization (PPDO). You and your dependents may choose dental treatment provided by network providers or non-network providers. Network providers have negotiated an agreement with the PPDO to discount prices. By using a PPDO provider, you will gain more services for your dental maximum. For more information, visit the Guardian Dental website.
Prescription Drug Benefits are available to all employees and their eligible dependents. The Plan’s Prescription Drug Benefits are provided through Express Scripts.
Vision benefits are covered by the Welfare Trust Fund. Please refer to the Summary Plan Description 2013 for more information.
The Welfare Trust Fund, in partnership with EPIC Hearing Service Plan, assists active participants and pre-Medicare retirees* in locating hearing care professionals and, in most cases, reducing out-of-pocket expenses for hearing exams and hearing aid devices. For more information, please refer to the Epic Hearing Service Plan informational brochure or the Summary Plan Description 2013.
* Medicare-eligible retirees can access the EPIC program, but benefit coverage is not provided by the Fund. Medicare-eligible retirees do not have hearing aid coverage.
If you are an eligible participant with an HRA balance of more than $10.00, look for your new Benny Card which will arrive in the mail. If you receive a Benny card, you can login to your HRA Participant Portal, where you can view your current HRA balance and claim information. You can use this portal to file claims online and to upload your receipts. If you need help, please see the HRA Participant Portal User Guide in the Documents and Forms Library.
A current Data Claim Statement (Data Card) is required to avoid any delays in processing your claims. For your convenience, the Interactive Data Card can be completed online. You can then print and return the completed Data Card to NECA-IBEW by fax or postal mail. Please do not email the Data Card as it contains private information and email may not be HIPAA-compliant.
Frequently Asked Questions
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Who should I contact for information about my pension benefits?
You should contact the Fund Office for questions regarding your pension benefits.
May I retire before age 65?
Yes, you may retire anytime on or between the ages of 55 thru 59 years old at an actuarially reduced pension, provided you are vested. If you retire on or between ages 60 thru 65 there is no reduction in your benefit. There are some individuals who may not be able to take early retirement until age 57. These same individuals will not receive a non-reduced benefit until age 62.
Should I apply for benefits even if I don’t think I am entitled?
Yes, there are some instances in which you would qualify for a benefit even though you are not vested.
Is there a deductible on our Prescription Drug Plan with Express Scripts?
Yes, a $50 deductible has to be met each calendar year. Inquiries about RX deductibles should be referred to Express Scripts at 1-800-711-0917.
How much is the COBRA monthly premium?
$819.00 Base Plan (Effective 6/01/14-5/31/15)
$623.00 Alternate Plan (Effective 6/01/14-5/31/15)