If you select the Trust Medical plan you are free to see any licensed provider however, the plan provides higher benefits when you see a provider in the PPO network.

• Doctor of Medical Dentistry (DMD)
• Doctor of Dental Surgery (DDS)
• Denturist (under certain conditions)

The Plan does not contract with a network of dental providers; so eligible participants may seek services from the dentist of their choice.

1. An employee’s spouse (if not legally separated from the employee). Coverage for the spouse ends on the date of the divorce or legal separation unless COBRA coverage is elected.

2. Unmarried Children

a. An employee’s unmarried child (including a stepchild, legally adopted child or child placed in an employees home pending adoption) from live birth until the end of the month the child attains age 19.

b. An employee’s unmarried child (including a stepchild, legally adopted child or child placed in an employees home pending adoption) who has attained age 19 if the child is:

(i) Mentally or physically unable to earn a living and proof of incapacity is furnished to the Board of Trustees within thirty-one days of the date coverage would have ended due to age;

(ii) Single and actually dependent on the employee for the majority of his or support; and

(iii) Covered by this Plan just prior to the day the child attains age 19.

c. An employee’s unmarried child (including a stepchild, legally adopted child or child placed in an employees home pending adoption) who is enrolled in an accredited school as a full-time student and has not attained age 25.

3. An employees unmarried grandchild, niece or nephew in the custody of the employee and, for whom the employee is providing the majority of his or her support will be considered a dependent if the employee has been named as legal guardian by a court of competent jurisdiction until the end of the month the grandchild, niece or nephew attains age 19. Coverage for the grandchild, niece or nephew can continue beyond age 19 if the grandchild, niece or nephew meets the criteria in paragraph 2(b) or 2(c) above.

4. In the event a husband and wife are both concurrently covered by the Plan as employees:

a. Each will also be considered a dependent of the other; and

b. Each dependent child of such husband and wife will be considered a dependent of both husband and wife. However, no more than 100% of covered charges will be paid.

The Plan will pay only a limited amount of up to $4,000 toward covered charges, services or supplies for a new employee or a new employee's dependents for a preexisting condition during the fist six months you or your dependents are covered by the Plan.

A preexisting condition is a condition that was diagnosed or treated or which medication was prescribed or taken in the three months before coverage began.

The six-month waiting period for full coverage of a preexisting condition can be reduced or eliminated if you had previous health and welfare coverage before becoming covered by this Plan. To eliminate or reduce the six-month waiting period, provide the Plan Administrator with a written certificate of prior health and welfare coverage. This certificate can be obtained from your previous employer or health insurance company. The six-month waiting period for preexisting conditions will be reduced by one month for each month of prior health and welfare coverage you had under the prior plan so long as there is not a gap of more than 63 days between when your coverage under the prior health and welfare plan ended and when the coverage under this Plan began.

In addition, the six-month waiting period for full coverage, including dental and vision benefits can be reduced or eliminated if you had previous dental and vision coverage before becoming covered by this Plan. To eliminate or reduce the six-month waiting period, provide the Plan Administrator with a written certificate or other evidence of prior medical coverage, including dental and vision benefits. The certificate can be obtained from your previous employer or health insurance company. The six-month waiting period will be reduced by one month for each month of prior dental and vision coverage you had under the prior plan so long as there is not a gap of more than 63 days between when your coverage under the prior plan(s) ended and when the coverage under this Plan began.

At the present time you may accumulate 12 months of employer-paid coverage in the reserve account. Therefore, if your current premium is $665 per month, you may accumulate a maximum of 12 X $665 or $7,980 in your reserve account.

If you travel to another IBEW Local Union’s jurisdiction you should follow this procedure:

1. Check in at the IBEW Local Union office where you intend to work.

2. Register on the Electronic Reciprocal Transfer System ERTS.

The visited local union will notify their Plan Administrator and the Harrison Trust when you are dispatched to work. The Harrison Trust Office will check to see if you are eligible for funds transfer. To be eligible for transfer to the Harrison Trust, you must be a member of IBEW Local 48, 280, 659, 932 or 970 and have been covered under the Harrison Trust in the past six years.

Members of IBEW local unions not participating in the Harrison Trust may not choose the Harrison Trust as their home fund for reciprocity unless they have not been eligible for benefits in the welfare fund of their home local union in the past six years, have current eligibility under the Harrison Trust, and intend to return to work in the jurisdiction of the Harrison Trust as soon as work is available.

If you are eligible for reciprocity to the Harrison Trust, the Plan Administrator of the Welfare Fund covering the jurisdiction in which you are working will forward to the Harrison Trust the contributions you earned in that plan, based on the rules of the National Reciprocity Agreement. Upon receipt of those contributions, the Harrison Trust will credit the contribution to the month in which the hours were worked and eligibility will be determined per the eligibility formula as outlined for Category 1 employees.

You should contact us periodically to verify that the hours are being transferred.

Because of the confidential nature of this information we can only provide you with the status of your claim if you call us at the number shown in our Contacts page on this site.

If you are enrolled in Kaiser or Providence Open Option your bills will be paid by those plans. You may contact them at the numbers and addresses listed in our Contacts page on this site.

It is important that you ask that they update their computer records with the claim address information shown on the back of the card.

If your provider bills you directly, you'll need to submit that bill for processing. For your convenience in sending in your provider bills you can print a claim form from this web site if you are enrolled in the Trust Plan. The proper mailing address is shown on the claim form.

Your provider may submit your claim electronically with Payer ID# 93044.

IMPORTANT ANNOUNCEMENT REAGRDING CHANGES TO A&I's CHECKS AND EOB's!!

If you are enrolled in Kaiser or Providence contact them at the numbers and addresses listed in our Contacts Page on this site.