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You’ve got great health and welfare benefits coverage through the North Atlantic States Carpenters Health Benefits Fund. Benefits include medical, prescription drug, vision, accident and sickness coverage, life insurance, employee assistance programs and the option for dental coverage. The Health Benefits Fund is an employer-paid plan that provides family coverage to all members who meet semi-annual qualifying requirements.

For more information regarding your health benefits, please see the applicable Summary Plan Description below:

The plans described in the above Summary Plan Description documents are effective July 1, 2017, except for those provisions that specifically indicate other effective dates and changes referenced in other Summary Material Modifications. These documents provide the required information about your rights and protection under the law in order to comply with the Employee Retirement Income Security Act of 1974 (ERISA).

Benefits

Medical

For information on your medical benefits, please view the following documents:

Summary Benefits Coverage Plan I
Summary Benefits Coverage for Plan II
Summary Benefits Coverage for Plan III
Independence Administrators Benefit Summary Plan I
Independence Administrators Benefit Summary Plan II
Independence Administrators Benefit Summary Plan III

Independence Administrators Telemedicine by Teladoc
In addition to your medical coverage the Fund offers enhancing virtual care benefits offered to Participants by moving to a new provider, Teladoc. Teladoc’s network of providers is amongst the largest in the nation making access to virtual care even easier. The new benefits are available 24/7 and will be replacing the current MDLIVE virtual care provider. There will be a regular office copay according to your Plan for Teladoc services, the same as a regular office copay. For more information please visit www.teladochealth.com.

How to set up your Teladoc Health: Teladoc Telemedicine

Vision

EyeMed Vision Program
The EyeMed Vision Program is a network of private doctors under contract to provide routine eye exams and eyeglasses. Network doctors are located throughout New York. To find a doctor near you, call EyeMed Customer Service: (866) 229-1358 or visit their website at www.eyemed.com.

For more information about EyeMed: EyeMed Vision Benefit Summary

Retirees and surviving spouses must call the Fund office first!

      Call your local Health Fund Department before using your vision benefits if you are a:
  • Retired Participant (or spouse) who is collecting a pension from the North Atlantic States Carpenters Pension, or the UBC Carpenters Pension Plan, and maintaining your union membership.
  • A surviving spouse who is receiving the pension of a retired participant who was a union member at the time of his or her death.

Prescription Drugs

The Plan offers benefits for prescription drugs through Express Scripts at retail pharmacies and through a mail-order program.

For more information about Express Scripts:
Express Scripts Prescription Benefit Summary
Express Scripts Generics Home Delivery Mobile App

Please refer to the Summary Plan Description for more information.

Dental

If you are an active member and eligible for medical coverage dental coverage you may be able to purchase dental coverage through Delta Dental by visiting their website www.deltadentalma.com

For more information, refer to your Dental Coverage Summary for details.

Life Insurance

Effective April 1, 2023, the Health Fund has a new vendor, MetLife, for Life Insurance and Accidental Death & Dismemberment (AD&D) benefits. To be eligible for this benefit you must be eligible for coverage under the active plan and not collecting a Pension from the North Atlantic States Carpenters Pension Fund at the time of your death. Participants on COBRA are not eligible for Life Insurance benefits.

The benefits are as follows:

Active Participant: The amount of coverage for an Active participant is $25,000. This amount will be paid tax free to your designated beneficiary.

Spouse of Active Participant: The amount of coverage for the death of a legal spouse of an Active Participant is $2,000. This amount will be paid tax free to the Participant.

      AD&D Benefits:
  • Dependents are not covered under the AD&D benefit.
  • The AD&D benefit is payable in addition to and separate from the Life Insurance benefit.
    Benefits are payable if the loss is a direct result of any injury caused by an accident.
  • Please refer to the February 2023 SMM for detailed information.

Mental Health & Substance Abuse

In addition to your medical coverage the Fund offers an Employee Assistance Program through Katherine Greer Associates – KGA that provides free, confidential assistance for you and your family members when confronting stress, depression, alcoholism, drug abuse, and job or family problems. To contact the KGA Employee Assistance Program, call (800) 648-9557 or visit https://my.kgalifeservices.com/ using company code: carpenters.

For more information about KGA: Members Assistance Program KGA

TruHearing

The plan offers benefits for hearing through TruHearing, you can try our free, fast online screening by visiting TruHearing.com/carpenters-hs (accessible from a tablet, computer or smart phone), you can also learn more and schedule an appointment by phone at (877) 760-7681 Ext. 771 don’t forget to mention that you are a member of the North Atlantic States Carpenters Benefits Fund. Hours: 8am-8pm, Monday-Friday or by visiting their website at www.truhearing.com/carpenters

For more information about TruHearing: Information about TruHearing

RETIREE MEDICARE

The Health Fund sponsors comprehensive medical, prescription drug and vision benefits to Medicare eligible retirees through the Blue Medicare Advantage Plan. Coverage is available to eligible retirees and spouses who are eligible for Medicare.

For more details in the Retiree Health Plan refer to your “Blue Medicare Advantage Plan” at www.bluemedadv.com.

COBRA

Generally, you are eligible to continue your health coverage under a law known as COBRA.
The Fund also provides continued coverage in several circumstances where the individual otherwise would lose coverage and be entitled to COBRA– such as an extension of coverage due to reduction of hours, loss of dependent status or death of a participant. See your Summary Plan Description for more information.

Health Fund Notices

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Health Fund Forms

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