Life Events

What Is Your Life Event?

Life Events

Plans for life

If there is one thing you can plan for in life, it is change. When a life-changing event comes your way, these action plans can help you manage your benefits and protect your financial security.

To the top
MARRIAGE

MARRIAGE

Participant Checklist: Marriage

To update your beneficiary for your life insurance and other forms of insurance, complete and submit a Designation of Beneficiary Form.

To the top
DIVORCE

DIVORCE

Participant Checklist: Divorce

To update your beneficiary for your life insurance and other forms of insurance, complete and submit a Designation of Beneficiary Form.

To the top
DOMESTIC PARTNERSHIP

DOMESTIC PARTNERSHIP

Participant Checklist: Domestic Partnership

To update your beneficiary for your life insurance and other forms of insurance, complete and submit a Designation of Beneficiary Form.

To the top
DEPENDENT CHANGES

DEPENDENT CHANGES

Participant Checklist: Adding a Dependent

Participant Checklist: Deleting a Dependent

To update your beneficiary for your life insurance and other forms of insurance, complete and submit a Designation of Beneficiary Form.

To the top
Loss of Coverage

Loss of Coverage

Hours Buy Back

Participants who are scheduled to lose eligibility due to a lack of reported work hours or reserve bank hours have the option to self-pay the amount of contributions needed to meet the minimum amount of reported hours and maintain eligibility for the quarter.

The following conditions apply:

If you qualify for the Hours Buy Back, a letter will be sent to your address on file with information regarding the amount of hours required to keep eligibility for the next quarter and the amount due. Payment must by made by cashiers check or money order.

Cobra Continuation of Coverage

COBRA, a federal law, allows covered participants and their dependents to continue health care coverage for a limited period at their own expense under certain circumstances when health coverage would otherwise end under the terms of the Plan because of a qualifying event.

Qualifying Events:

The Administrative Office will mail a COBRA Offering Notification and COBRA Election Form to a participant’s home address within 14 days of a COBRA qualifying event. The COBRA Offering Notification will provide information regarding your rights and responsibilities under COBRA and includes the COBRA premium rates.

To Elect COBRA Continuation of Coverage:

The Maximum Length of COBRA Continuation of Coverage if Elected:

COBRA Coverage will Terminate When:

The Health Insurance Marketplace

For More Information

To the top
DISABILITY

DISABILITY

If your ability to work is affected by a Temporary or Permanent Disability, notify the Trust Office immediately!

Health and Welfare Credit

If you become disabled and:

disability hours may be credited in lieu of work hours for the quarter in which you became disabled and the following work quarter to maintain your eligibility. Credit is subject to a cap of 360 hours per quarter less any reported work hours.

Submit to the Trust Office the Disability Health & Welfare Hours Claim Form within 120 days from the date you are determined to be disabled by your physician to qualify.

Pension Credit

If you become disabled and:

pension Credit may be granted at 40 hours per week, to a maximum of 1,200 hours per year, for the period of your disability. This additional credit may help you prevent a Break in Service or assist you in qualifying for certain pension benefit types.

Submit to the Trust Office the Application for Pension Credit During Period of Temporary Disability within 12 months of the date of your disability.

Long Term Disability Benefits

If you become Totally Disabled and:

you may be entitled to receive a Long Term Disability Benefit, based upon vested pension credits under the Pension Plan, as partial income replacement due to your disability.

Contact the Trust Office for an Application for LTD Benefits as soon as possible to avoid any delays.

To the top
DEATH OF PARTICIPANT OR DEPENDENT

DEATH OF PARTICIPANT OR DEPENDENT

Participant Checklist: Death of a participant

Once the Administrative Office receives the Death Certificate, following are estimated timeframes for benefit payments, assuming the dependent is eligible for benefits:

Participant Checklist: Death of a Dependent

To update your beneficiary for your life insurance and other forms of insurance, complete and submit a Designation of Beneficiary Form.

To the top
MILITARY

MILITARY SERVICE

If you are absent from employment due to Military Service you may be entitled to continue your Health Coverage and/or earn Pension or Annuity credit under the Uniformed Services Employment and Reemployment Rights Act of 1994 (USERRA).

Health and Welfare Coverage

If you are absent from employment due to military service your health coverage will cease but you will have the option under USERRA to:

Notice must be received by the Trust Office within 60 days of your last day of covered employment to qualify. Contact the Trust Office for more information and to avoid missing important deadlines. See the Southwest Carpenters Health and Welfare Trust SPD for more complete rules and exclusions.

Pension Credit

If you are absent from employment due to military service you are entitled under USERRA to have your service treated as Hours of work in Covered Employment for all purposes under the plan.

There are several legal requirements or deadlines to be met by the Pension Plan and USERRA before you end and after you return to covered employment. Contract the Trust Office as soon as possible for instruction and see the Southwest Carpenters Pension Plan SPD for more information.

Annuity Credit

If you are absent from employment due to military service and you are a participant in the Southern Nevada Carpenters Annuity Plan you are entitled under USERRA to contributions received from your employer added to your individual annuity account.

There are several legal requirements or deadlines to be under the Annuity Plan and USERRA before you end and after you return to covered employment. Contract the Trust Office as soon as possible for instruction and see the Southern Nevada Carpenters Annuity SPD for more information.

To the top
CONTACT US

CONTACT US

Contact Information

Phone: (213) 386-8590

Fax: (213) 739-9321

Email: info@carpenterssw.org

To the top