C o n n e c t i c u t C a r p e n t e r s H e a l t h F u n d P l a n

Your Life Events

This section of the book is divided into areas that relate your benefits to the various areas of life: work, health, family, disability and age. You can use these tables to go directly to the pages that have the information that applies to your situation.

Please take a moment to go over this section now — and whenever there’s a change in your personal or professional situation — to be sure your benefits are keeping up with you. And if you’re not sure if a change affects your benefits, please call the Health Fund Office.

Work
As you progress through your career, there will be certain events that mean your benefits will start, stop or change.
If this happens:	See page(s)
You’re hired and working for a contributing employer	3, 5
You’re hired to work in the office of the Connecticut Carpenters Pension Fund, NERCC, union locals, the Connecticut Carpenters Apprentice and Training Fund or the Carpenters Labor Management Program	5
You have enough hours to be eligible	4,5
You don’t have enough hours to stay eligible	7
Your coverage terminates	8
You serve in the military	8
You retire	6

Health
You and your dependents can use your medical benefits for everything from preventive care to treatment for serious injuries and illnesses.
If this happens:	See page(s)
You or your spouse decides to have a checkup	23
You or one of your dependents has to go to the doctor	23
You or one of your dependents needs surgery	24, 25
You or one of your dependents has to go to the hospital	21, 24, 25
You or one of your dependents needs counseling	29, 30
You have a job-related illness or injury	13

Family
Your benefits will adapt to your changing family needs.
If this happens:	See page(s)
You get married	3
You marry someone who has children	3
You have or adopt a child	3
Your dependent child: · marries, or · reaches age 19 and is not a full-time student, or · reaches age 23 and is a full-time student	7
Your spouse or dependent child dies	57
Your spouse stops working	66
You get divorced or legally separated	65
You get remarried	65
You die	7, 9, 55

Disability
Disability doesn’t only affect you physically — it has an impact on your finances too. You may become eligible for disability income, or your coverage might change.
If this happens:	See page(s)
You’re disabled due to illness or injury	6, 61
A covered family member becomes disabled	3

Age
Coverage will change for you or your dependents at certain ages.
If this happens:	See page(s)
Your dependent child turns age 19 and is not a full-time student	7
Your dependent child turns age 23 and is a full-time student	7
You reach age 55	6
You apply for Social Security benefits	6

A Bit of Information

If you get divorced, you must send a copy of your divorce decree to the Health Fund Office. All claims that are in process when the Health Fund Office learns of the divorce will be held until the decree is received.