Eligibility
HOW DO I BECOME ELIGIBLE?
To be eligible for benefits under the Laborers’ National Health & Welfare Fund (Plan 1), you, your spouse, and your children must earn eligibility and enroll with the Plan. Eligibility is not automatic and depends primarily on your employer being accepted into the Fund and making timely contributions on your behalf.
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There are different rules for eligibility based on whether contributions are made on an hourly rate or monthly rate basis:​​
Important Information
Enrollment is a necessary condition for coverage for you and your eligible family members. You must complete and submit an Enrollment Form, along with required documentation for spouses and children (e.g., marriage certificates, birth certificates). It is important to notify the Fund Administrator of any changes in your enrollment information, such as address changes, birth or adoption of a child, divorce, or death of a spouse or child.
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Loss of Coverage can occur if:
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Your employer fails to make contributions for the minimum required hours or months.
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Your employer's participation in the Fund terminates.
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Your spouse ceases to be your spouse, or your child attains age 26.
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If you lose coverage, you may be entitled to temporary continuation of coverage on a self-pay basis under COBRA.