INITIAL ELIGIBILITY

You are eligible for benefits on the first day of the coverage quarter following a period (up to 6 months) when you worked at least 500 hours in Covered Employment and your employer submitted contributions on your behalf to the Fund Office.

Calendar Quarters	Coverage Quarters
If you met initial eligibility requirements in this period...	You are covered under the Active Plan for this quarter...
January 1 - June 30	September 1 - November 30
April 1 - September 30	December 1 - February 28/29
July 1 - December 31	March 1 - May 31
October 1 - March 31	June 1 - August 31

Once you are eligible, you will receive a Summary Plan Description booklet describing your benefits in more detail and certain forms you must complete will be mailed to your home. Send these completed forms to the Health Benefits Department:

• A Healthcare Coverage Enrollment Form and any necessary documents to add your spouse and dependents to coverage and to issue your ID cards for medical and prescription coverage.
• A Life Insurance Beneficiary Designation Form to assign insurance benefits in case of your death

CONTINUING ELIGIBILITY

To continue your eligibility for benefits, you must work at least 300 hours in covered employment in a calendar quarter to remain eligible for the next coverage quarter.

Calendar Quarters	Coverage Quarters
If you met initial eligibility requirements in this period...	You are covered under the Active Plan for this quarter...
January 1 - March 31	June 1 - August 31
April 1 - June 30	September 1 - November 30
July 1 - September 30	December 1 - February 28/29
October 1 - December 30	March 1 - May 31

Or if you have credit of at least 1,200 hours in the current and three immediately preceding calendar quarters, you will remain eligible for benefits for the next coverage quarter. If you lose your eligibility for benefits, you have options to continue your coverage.

INITIAL ELIGIBILITY APPRENTICE

You are eligible for benefits on the first day of the coverage quarter following a period (up to 6 months) when you worked at least 400 hours in Covered Employment and your employer submitted contributions on your behalf to the Fund Office. You qualify for (full) Active Plan benefits if you meet the Active Plan Requirements.

Calendar Quarters	Coverage Quarters
If you met initial eligibility requirements in this period...	You are covered under the Active Plan for this quarter...
January 1 - June 30	September 1 - November 30
April 1 - September 30	December 1 - February 28/29
July 1 - December 31	March 1 - May 31
October 1 - March 31	June 1 - August 31

Once you are eligible, you will receive a Summary Plan Description booklet describing your benefits in more detail and certain forms you must complete will be mailed to your home. Send these completed forms to the Health Benefits Department:

• A Healthcare Coverage Enrollment Form and any necessary documents to add your spouse and dependents to coverage and to issue your ID cards for medical and prescription coverage.
• A Life Insurance Beneficiary Designation Form to assign insurance benefits in case of your death

CONTINUING APPRENTICE ELIGIBILITY

To continue your eligibility for benefits, you must work at least 200 hours in covered employment in a calendar quarter to remain eligible for the next coverage quarter.

Calendar Quarters	Coverage Quarters
If you met initial eligibility requirements in this period...	You are covered under the Active Plan for this quarter...
January 1 - March 31	June 1 - August 31
April 1 - June 30	September 1 - November 30
July 1 - September 30	December 1 - February 28/29
October 1 - December 30	March 1 - May 31

Or if you have credit of at least 960 hours in the current and three immediately preceding calendar quarters, you will remain eligible for benefits for the next coverage quarter. If you lose your eligibility for benefits, you have options to continue your coverage.

If you are dropped from enrollment in the Apprentice Program, you are no longer eligible for coverage and may only maintain your current level of Plan coverage through continuation coverage under COBRA.