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IBEW Local 22

Announcements

NOTICE: VACTAION FUND DEPOSIT

06/30/2017

The deposit of vacation funds will be completed on Monday, July 3rd. Our apologies for this one day delay.

2017 WELLNESS PROGRAM

01/18/2017

The IBEW Local Union No. 22/NECA Health and Welfare Plan would like to invite all Plan Participants and Spouses to take part in the annual no-cost wellness screening offered through SimplyWell.  

 

Location: ...
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News & Updates

National Immunization Awareness Month

08/12/2016

Get Vaccinated to Protect Your Health   

National Immunization Awareness Month is observed each August to highlight the importance of vaccination for people of all ages. Vaccines play a vital role in preventing...

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Identity Protection Services Available to You

03/24/2016

AllClear Secure provides automatic access to identity repair for you and your eligible family members at no cost. This service protects you on the
internet and everywhere else. No matter where or how identity theft...

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FAQ

Here are some frequently asked questions and answers to help guide you through your benefit plans and what to do when you have a major life event change.  Clicking on the question will provide you with a specific answer or link you directly to the section of this site that addresses the question. 

Health & Welfare

How do I get in touch with the Fund Office?

You can call the Fund Office at (402) 592-3753 or Toll-Free 1-855-330-3242 or in person at:
8960 “L” Street
Suite 101
Omaha, NE  68127-1414. 

Office hours are Monday through Friday 8:00 a.m. – 4:30 p.m. Central Time.

When do I first become eligible for coverage?

You become eligible for coverage on the first day of the second month following the month in which your credited hours of employment with one or more contributing employers total two hundred-eighty (280) hours or more, within a three (3) consecutive calendar month period or less.  These first two hundred-eighty (280) hours will not be credited to your Hour Bank.  After you have worked these two hundred-eighty (280) hours, the additional hours you work will be credited to your Hour Bank. Health & Welfare SPD

How do I maintain my coverage?

Hours worked for Contributing Employers by a Bargaining Employee will be credited to the Bargaining Employee’s Hour Bank Account.  One hundred forty (140) hours of reported credit will be deducted from the Bargaining Employee’s Hour Bank Account for each month of coverage.

Whenever a Bargaining Employee is credited with more than one hundred forty (140) hours during a month (which is required to furnish one month’s coverage), the excess hours will be added to the Bargaining Employee’s Hour Bank accumulation.  As of March 1, 2013, the maximum amount of hours an Employee can accumulate in his Hour Bank Account is 840 hours. 

Where can I obtain and submit a health plan enrollment form?

You may obtain an enrollment form by contacting the Fund Office at Toll-Free 1-855-330-3242 or printing a form from this website by clicking here. Send the completed form to the Fund Office at 8960 “L” Street, Suite 101, Omaha, NE  68127-1414 at Toll-Free 1-855-330-3242.  Please be sure to include a copy of your marriage certificate if you are adding a spouse and birth certificates for adding children.

How do I know if I am eligible for health coverage this month?

Log in to your account to view your eligibility. Dashboard Benefits

I am moving. How should I provide my new address?

You can change your address by calling the benefits office at 402-592-3753.  By answering a couple security questions we can make the change over the phone.

We just had a baby. How do I enroll my newborn in the health plan?

To enroll your newborn, complete the enrollment form and send the completed form to the:

Fund Office
8960 “L” Street, Suite 101
Omaha, NE  68127-1414
Local:   402.592.3753
Toll-free:  1.855.330.3242
Fax:   402.592.2352
Office Hours:  Mon - Fri 8:00 a.m. – 4:30 p.m. Central Time
Website: www.22benefits.aibpa.com

Coverage shall begin at birth for your newborn child so long as the Dependent child’s enrollment form was postmarked or otherwise positively received by the Fund Office within ninety (90) days of such birth. If the Dependent child’s enrollment form was not postmarked or otherwise positively received by the Fund Office on such date, the Dependent shall become eligible for coverage of claims incurred on or after the date the Dependent Child’s enrollment form is postmarked or otherwise positively received by the Fund Office.

I’m getting married. How do I add my new spouse to my health coverage?

To enroll your new spouse, complete the enrollment form and send the completed form to the Fund Office at  8960 “L” Street, Suite 101, Omaha, NE  68127-1414. Please notify the Fund Office as soon as possible so that your records can be updated. You may also want to update your beneficiary designation forms for the Health Plan, Pension Plan A and Defined Contribution Plan B.

What do I do if I get a divorce?

You must notify the Fund Office immediately in the event of your divorce.  Any benefit payments made by the Plan on behalf of an ineligible Dependent will be your responsibility.  Failure to notify the Fund Office of divorce will be considered an omission that constitutes fraud and an intentional misrepresentation of a material fact that is prohibited by the terms of the Plan. If you do not notify the Fund office of your divorce, the Plan may recover any payments made for claims incurred by your former spouse after your divorce.  See the following FAQ’s for information regarding how a divorce may also impact your benefits from the Pension Plan A and Defined Contribution Plan B.

I lost my ID card. Where can I get a replacement ID card?

Call Blue Cross Blue Shield of Nebraska’s customer service center at 402-390-1820 or Toll-free at 1-800-642-8980 to get a replacement medical ID card.  Call LDI for a replacement prescription ID card at (314) 652-3121 or (866) 516-3121.

What type of health coverage do I have?

Your medical coverage is through Blue Cross Blue Shield of Nebraska. Health and Welfare SPD. Your prescription coverage is through LDI, and you have wellness benefits through SimplyWell www.simplywell.com.

How much is my Health Plan deductible?

You have a calendar year deductible of $350 as an individual or $1,050 as a family.  Please refer to the Summary Plan Description for a complete list of covered benefits.

How do I find a doctor?

You can find an in-network doctor on the Blue Cross Blue Shield of Nebraska website at www.bcbs.com  by clicking on “Find a Doctor” or by calling 1.800.810.-2583.

Where can I fill my prescription?

LDI provides a network of participating retail pharmacies and the mail order pharmacy program.  When you need a medication for a short time, for example, an antibiotic, you should fill your prescription at a retail pharmacy.  You are not required to use a participating pharmacy; however, if you purchase your prescription at a non-participating retail pharmacy you will likely pay a higher amount for that prescription.  To view a complete list of participating pharmacies visit the LDI website. www.ldirx.com. When you need a medication to treat a chronic or long-term sickness or injury, for example, medication to control blood pressure or cholesterol, if you are an active member (not retired) it is mandatory  to fill your prescription through the LDI mail order. To enroll your prescription at the mail order pharmacy, you can call LDI at 866-516-3121 or visit the LDI website at www.ldirx.com.

Claim forms are available at the LDI website www.ldirx.com.

Will I have health benefits when I retire?

You may be eligible for retiree coverage.  Please contact the Fund Office for more information.

How far back can I submit claims for reimbursement?

Claims must be received by the Fund Office by June 30 of the calendar year following the calendar year in which the expense was incurred.

Accident & Sickness Weekly Benefits

Where can I find the Accident and Sickness form?

You can obtain a claim form by visiting the IBEW Local 22/NECA Health and Welfare website: www.22benefits.aibpa.com or you can call the Fund Office at 402.592.3753 or Toll-Free 1.855.330.3242.

When will my Accident and Sickness begin?

If you are totally disabled due to an accidental bodily injury or sickness, and under the care of a M.D. or D.O., benefits begin the first day if the disability is caused by an accident and on the eighth day if due to sickness.

Is there a benefit maximum?

Yes, the Accident and Sickness benefits are payable for a maximum of twenty-six weeks.

Health Reimbursement Account (HRA)

What is an HRA and how does it work?

An HRA is an employer-funded arrangement that provides tax-free reimbursement to eligible Active and Retired Employees for certain medical expenses incurred by you or your eligible dependents.  Amounts that are not used in one year can be carried over to the following year, provided you remain an eligible Active or Retired Employee. 

You will not be taxed on the value of your HRA or on the reimbursements you receive from your HRA.

What are the eligible expenses under an HRA?

The funds in your HRA can be used for allowable health care expenses. In general, any medical or dental expense that is not reimbursed or reimbursable by a health or insurance plan, and that you haven’t claimed the expense as a deductible on your federal tax return such as health plan premiums, co-payments, deductibles, co-insurance.  For a complete list of eligible expenses, please see the Health and Welfare SPD It’s important to note that your Benny debit card will ONLY work for prescription co-payments.

How do I receive reimbursement?

There are a few ways to receive your reimbursement:

  • Benny prepaid VISA benefits card! Your debit card can be used for prescription benefits only. Each participant receives two Benny prepaid VISA benefits cards. Just swipe the card for an amount up to your available account balance.
     
  • Sign up for direct deposit and receive reimbursements right into your bank account!

     
  • Sign up for automatic recurring reimbursement of your premiums! At the beginning of each year, provide documentation of your monthly insurance premium and you will automatically be reimbursed each month via check or direct deposit (for amounts up to your account balance).
     
  • Receive a check in the mail after filing a claim.


Submit your claims…

How far back can I submit claims for reimbursement?

Claims must be received by the Fund Office by March 31 of the calendar year following the calendar year in which the expense was incurred.

Pension Plan A

I am ready to retire, what do I need to do?

A pension must be applied for by completing the application form(s) and declarations(s) which are available from the Fund Office.  We suggest that you apply 3 months before you would like your benefits to begin. You can read more about your benefits and the documents you need to fill out to apply for your benefits here Pension SPD. For information about continuing your health care coverage after you retire, please read more here Health and Welfare SPD.

I just got married. How do I add my new wife as a beneficiary to my Pension plan?

To add your spouse as a beneficiary, complete a new Beneficiary form and send it to the Fund Office. To ensure your new spouse is added to your health plan, please refer to the “I’m getting married” Health & Welfare Q&A.

How soon can I retire?

As early as age 55 if you have 10 years of Past or Future Service and have applied for an Early Retirement Pension.

Can I put money in my Pension plan?

No.  This Plan is funded through employer contributions and does not permit employee contributions.

What happens if I become Disabled?

You may qualify for Disability Benefits if you are totally and permanently disabled; you are under age 62; you have an average of Seven Hundred & Fifty  (750) Hours of Service per year over the five (5) consecutive years before your date of disability; you have applied for Disability Benefits; and you have been totally and permanently disabled for at least one hundred eight (180) days.  If you become disabled you may also be eligible for benefits from the Health and Welfare Plan and the Defined Contribution Plan B.

Defined Contribution Plan B

When will I become a participant?

You will become a participant in the Plan on the date the first contribution is received by the Fund on your behalf.

What are the vesting rules?

You are always 100% vested in the amount in your individual account.

How are the assets in my individual account invested?

You are allowed to direct the investment of your contributions among the diversified options offered by the Plan.  The Fund Office automatically provides new participants with a packet of materials describing each of the investment options available and the procedures for selecting and changing investment funds.  If you have lost these materials, you may request another information packet by calling or writing the Fund Office.  If you do not make an investment election, the Plan designates a “Default Investment” where your contributions will be invested.

When am I eligible to receive benefits?

When you retire, become disabled or cease working in covered employment for a specified period of time.  For more details, please see your Summary Plan Description.

How do I apply for Defined Contriubtion Plan B benefits?

The Fund Office recommends that you apply for your benefits three (3) months prior to the date in which you would first become eligible for the benefit you are requesting.  You may obtain an application form by calling, writing, or stopping by the Fund Office.  You can read more about your benefits and the documents you need to fill out to apply for your benefits here. Defined Benefit Plan SPD.

Can I borrow money from my Defined Contribution Plan B plan?

You are allowed to direct the investment of your contributions among the diversified options offered by the Plan.  The Fund Office automatically provides new participants with a packet of materials describing each of the investment options available and the procedures for selecting and changing investment funds.  If you have lost these materials, you may request another information packet by calling or writing the Fund Office.  If you do not make an investment election, the Plan designates a “Default Investment” where your contributions will be invested.

Can I borrow money from my Defined Contribution Plan B plan?

No, under this plan you are not allowed to borrow money for any reason.               

Vacation & Holiday

How do I contribute to the Plan?

Your employer will deduct an amount equal to 6% of your gross wages for Vacation pay, and amount equal to 2% of your gross wages for Holiday pay.

How do I request a vacation reimbursement?

You have the option of having your Vacation Fund contributions directly deposited into an account at the Credit Union on a monthly basis, or having automatic semi-annual distributions from the Fund. The semi-annual distributions are made in May and November of each year.  If you wish to make a change please complete the Direct Deposit Authorization Form.

How do I receive my Holiday reimbursement?

Vacation reimbursements are typically mailed around the 15th of November and Holiday reimbursements are mailed before Thanksgiving.