Retiree Program Details
The following tabs provide details on each of the Retiree Plan programs available. Click on the appropriate tab for more information. For information on the Medicare Supplement/Medicare HMO Plan, please click on the Medicare Retiree Plan link in the navigation bar above.
Retired Plan B Information
For Retirees who are disabled with Social Security and 60 Months of Coverage in the Last 120 Months When They Retired
If you are eligible for benefits under Retired Plan B, you are eligible to receive medical, prescription, dental and vision benefits, as long as you have not reached age 65 or otherwise become eligible for Medicare. This coverage is not available to participants eligible for Medicare. Once you (the retiree) and/or your spouse reach age 65, or otherwise become eligible for Medicare, you and/or your spouse is required to enroll in both Parts A and B of Medicare, and to select one of the Medicare Supplement/Medicare HMO Plans offered by the Harrison Trust.
Retiree Eligibility Requirements

In order to be eligible for the benefits of the Retired Plan B, you (the retiree) must satisfy all of the following requirements:

  1. Disability. You must be totally and permanently disabled, receiving Social Security benefits, had benefits provided through the Harrison Trust or had been on the out of work list during the month your disability began, and you must have been employed in the electrical industry or an organization affiliated with the electrical industry.
  2. Prior Participation in the Harrison Trust. Within the 120 months immediately before your disability, you must have had 60 or more months of health and welfare benefits provided through the Harrison Trust. The 60-month requirement can be met through employer contributions, individual self-payments, and/or COBRA payments.
  3. Forfeiture of Harrison Coverage. Your months of Harrison coverage needed to qualify for Retired Plan B (60 or more months within 120 months before disability) will be forfeited as of the day you work in "restricted non-covered employment" in the "electrical industry." (See the Definition of Terms section for the definition of "restricted non-covered employment" and "electrical industry.") This means that if you work in "restricted non-covered employment" in the "electrical industry," the months of Harrison coverage you earned prior to your "restricted non-covered employment" in the "electrical industry" is forfeited and will not be counted toward the 60 month requirement in paragraph 2, above. You must begin to earn the 60 months of Harrison coverage needed for Plan B again after you are no longer employed in "restricted non-covered employment" in the "electrical industry."
Enrollment Procedures
If you believe you meet the eligibility requirements listed above, and you choose to participate in the Retired Trust Plan, you will be subject to the following rules:
  1. Enrollment of Retiree. Sixty days prior to the date you wish to begin participating in the Retired Trust Plan, you should complete an application to participate in the Retired Trust Plan, or contact the Plan Administrator for the application.
  2. Enrollment of Dependents. Your spouse under age 65 and/or your eligible dependents will be eligible for benefits under the Retired Trust Plan as long as they have met the eligibility requirements. The Plan Administrator may require you to submit pertinent information concerning your spouse and dependents

 
When Do Benefits Begin Under the Retired Trust Plan?
Benefits under the Retired Trust Plan will begin on the first day of the month following the date you have completed an application to participate in the Retired Trust Plan and the application has been accepted by the Board of Trustees or Plan Administrator.

The cost for this coverage is determined by the Board of Trustees and must be paid by the 15th of the month prior to the date coverage begins, and continuously by the 15th of each month thereafter. You will be notified of the cost of monthly self-payments and the terms for payment.

 
Return to Work
If it happens that you have retired and have begun participating in the Retired Trust Plan, and you later return to work, you and your spouse and dependents will be temporarily terminated from the Retired Trust Plan. You and your spouse and dependents will have health and welfare benefits provided through the Active Employee Plan. If you do not work a sufficient number of hours to obtain employer-paid health and welfare benefits from the Active Employee Plan, you and your spouse and dependents will remain in the Retired Trust Plan.
Termination of Coverage for Retirees

Once you have established initial eligibility under Retired Plan B, coverage under the Retired Trust Plan will continue on a month-to-month basis.

Your coverage under the Retired Trust Plan will end on the last day of the month in which any of the following events occur:

  1. You reach age 65;
  2. You become eligible for Medicare;
  3. You are no longer entitled to receive Social Security disability;
  4. You fail to make a self-payment within the time limits established by the Board of Trustees;
  5. You become covered under the Active Employee Plan through active employment, as described under the Return to Work section above;
  6. You pass away;
  7. The Board of Trustees change the eligibility rules and you cease to be in the class of persons eligible for benefits under Retired Plan B; or
  8. The Board of Trustees terminates Retired Plan B or the Retired Trust Plan.
  9. You work in "restricted non-covered employment" in the "electrical industry." See the Definition of Terms section for the definition of "restricted non-covered employment" and "electrical industry."
Termination of Coverage for Spouse and Dependents

Coverage for your spouse will automatically end on the date of your divorce or legal separation.

Coverage for your spouse will automatically end on the first day of the month in which any of the following events occur:

  1. Your spouse reaches age 65; or
  2. Your spouse becomes eligible for Medicare.

Coverage for your spouse and/or dependent will also automatically end on the last day of the month in which any of the following events occur:

  1. Your coverage ends under Retired Plan B or the Retired Trust Plan; or
  2. Your spouse and/or dependent ceases to meet the definition of "Dependent" under the Retired Trust Plan.

You, your spouse and dependents should refer to the COBRA section here to determine if you may continue your coverage (on a self-pay basis) when coverage under the Retired Trust Plan ends.

Continued Coverage for Spouse and/or Dependents in the Event the Retiree Reaches Age 65
If, at the time you reach age 65, your spouse is under age 65 and/or your children still qualify as dependents, coverage will continue to be provided for your spouse or children as follows:
  1. For your spouse, until he/she reaches age 65 or becomes eligible for Medicare, whichever occurs first, as long as self-payments are made in a timely manner.
  2. For your dependent child, until he/she ceases to be a dependent under the Retired Trust Plan, as long as self-payments are made in a timely manner.

 
All information provided on this web site is in summary and intended to provide highlights of your plans. We strongly recommend referring to the Plan booklet for complete details before making any decisions related to your eligibility, benefits and coverage.