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Extension of Hours-Based Eligibility for Disability

Carpenters Benefit Plans | Apr 24, 2024

This information is intended for Active participants & pre-Medicare retirees.

Effective December 1, 2023, health coverage has been updated for participants with verified Total Disability as described below. Updates are in bold text in the table below.

If a participant is unable to work the minimum amount of hours to maintain eligibility due to an occupational or non-occupational Total Disability, and has accrued at least 1,440 hours during the 12-consecutive months ending with the month in which the Total Disability began, the participant’s eligibility will be continued, without contributions, until the earlier of:

CURRENT
rule
UPDATED
rule effective 12/1/2023
The end of the next Benefit Quarter in which the disability ends,The end of the next Benefit Quarter associated with the Contribution Quarter in which the disability ends,
The end of the next Benefit Quarter in which the participant returns to work, orThe end of the next Benefit Quarter associated with the Contribution Quarter in which the participant returns to work, or
The last day of the Benefit Quarter containing the first anniversary date the participant’s short-term disability began.The last day of the Benefit Quarter containing the first anniversary date the participant’s short-term disability began.

If a participant qualifies for a Disability Extension and returns to work, the participant will receive the extension through the end of the BENEFIT QUARTER that corresponds with the CONTRIBUTION QUARTER in which they returned to work (not to exceed one year).

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