Extended Health Benefits
Without a health and welfare plan that looks after your needs, particularly in the face of an unexpected accidents or illness, expenses can really pile up! Life insurance, dental care, vision care, long-term disability and extended health care are critical for todays' employees. CWU negotiates a comprehensive health and welfare plans to ensure that you and your family are protected.
About Your Plan:
- Each employee needs to work 300 hours to qualify for benefits
- Each employee needs to work a minimum of 150 hours a month to stay in benefit.
- Excess hours are banked on behalf of the employee and can be used to stay in benefit during slower times.
- Employees can add spouses or dependents on their plan at anytime.
No Longer Working?
If you are no longer working for a CWU signatory company but still have hours left in your bank, the following information can help answer questions about your options. If you still have questions or concerns, contact us anytime by phone, email, or online form submission.
What happens when you are laid-off.
Employees will use the hours that are remaining in their bank to keep them in benefit for as long as possible. When hours drop below 150 you will be notified by letter before you fall out and you may choose the self-pay option while off work. To find the balance of hours in your bank, you can email us at firstname.lastname@example.org or call toll-free at 1-844-293-2330.
How the self-pay option works.
If you wish to continue your benefit coverage after dropping below 150 hours, you may decide to self-pay the monthly fee for up to six (6) consecutive months. To find out what your monthly cost would be, again, you can contact us by emailing email@example.com or call toll-free at 1-844-293-2330. Please note that the self-pay option does not include disability benefits and must begin on the first month you fall out of benefit.
How your benefits get reinstated after you return from a layoff.
After you return to work, you must accumulate 150 hours and your benefits will be reinstated on the first day of the month after you worked the hours. For example, if you return to work March 1st and work 150 hours that month, we will receive a report of those hours in the middle of April. You will be back in benefit on May 1st.