You are eligible to participate in the Massachusetts Laborers’ Health and Welfare Plan A or Plan B based on the number of hours you work in covered employment. Your eligibility for each 6-month Eligibility Period will depend on the number of recorded hours of employment you accumulated with one or more contributing employers within a period of 12 consecutive months.
- Plan A 1,000 recorded hours within a 12-month Qualifying Period = coverage during a 6-month Eligibility Period
- Plan B 700 recorded hours within a 12-month Qualifying Period = coverage during a 6-month Eligibility Period
Click here for Qualifying/Eligibility Period examples.
Your dependents’ eligibility will start when your eligibility starts or, if later, on the date they become your qualified dependents. Generally, you may cover your:
- Lawful spouse (same-sex or opposite-sex),
- Children ages 19 to 26 years of age provided child meets the definition of “Child” below
- Unmarried, disabled children beyond the age they would otherwise lose eligibility.
“Child” Defined: The member’s natural or legally adopted child, a child placed with the member for adoption, and a child for whom the member has legal guardianship (provided he or she is also the member’s federal income tax dependent).
See the Summary Plan Description for complete details.
Work Outside of Massachussetts
- Contact the Fund Office whenever you work outside the state of Massachusetts.
- After June 30, 2005, any contributions remitted to the Rhode Island or Connecticut Funds will be reciprocated back to the Massachusetts Laborers’ Fund provided you are a member of a Massachusetts, Maine, New Hampshire or Vermont Local Union. See the Summary Plan Description for complete details.
- If you are entitled to benefits under more than one Fund, your benefits will be coordinated. See “Benefit Coordination” section for more information.
You are required to report any other group health coverage that covers you or an eligible dependent on any claim that is submitted to the Fund Office. If other coverage is available, this Plan will coordinate its benefits with that coverage. See the Summary Plan Description for complete details.
Loss of Coverage
Once you meet the eligibility requirements for either Plan A or Plan B, your participation will continue as long as you work at least 1,000 hours for Plan A or 700 hours for Plan B in a 12-month Qualifying Period for the next 6-month Eligibility Period. Your dependents’ participation will end when your coverage does or, if earlier, when they no longer meet the eligibility requirements.
COBRA provides an option for temporarily continuing coverage if you lose eligibility. See the “COBRA” tab for additional information or refer to the Summary Plan Description for complete details on qualifying events, who is eligible, important deadlines, and the length of time continuation coverage may last.