Benefits Overview

To find a doctor, visit Aetna Directory of Healthcare Professionals, enter your zip code, and select “Aetna Choice POS II (open access) network” for the plan.

Get quality, customized care in the palm of your hand. Teladoc connects you and your family to nationally recognized doctors and specialists on your schedule – by phone or video or app. The best part? Visits are no cost to you. See a Teladoc doctor for the following:

• General medical concerns—get treatment for sinus infections, allergies, flu, prescriptions refills and more.
• Mental health concerns—talk to a therapist about stress, anxiety, medication management, and more.
• Dermatology—upload images and get a custom treatment plan for common skin conditions such as psoriasis, rash, skin infections, and more.

Download the Teladoc flyer for more information.

Virtual visits with your healthcare provider will be covered at the same rate as any other office visit: at 90% after a $20 copay if an Aetna preferred provider is used, and at 60% after a $20 copay if a non-preferred provider is used. These benefits are not subject to the deductible.

For details about what your plan will cover and what you will need to pay yourself, see the summary of benefits and coverage.

Plan A Summary of Benefits and Coverage – (family coverage, full benefits)
Plan B Summary of Benefits and Coverage – (employee only coverage, no dental)

If you are not sure which plan you have, contact the Trust Administration Office at (844) 411-0786.

Participants pay a $12 co-pay per prescription for generic or brand drugs. If you get a prescription filled for a brand name medication when there is a generic equivalent available, you will be responsible for the $12 copayment plus the difference in cost between the brand name and generic drug. These benefits apply to in-network retail pharmacies (for up to 30 days’ supply) and the Sav-Rx mail order pharmacy (for up to 90 days’ supply). You may also fill up to 90 days’ supply at select retail pharmacies under the Walk-in Mail Program.

Visit the Sav-Rx website and enter the Group number (HERE01) on your ID card and your zip code to find a pharmacy. Present your Sav-Rx ID card at your pharmacy.

• To access your prescription history and request refills or renewals visit the Sav-Rx Patient portal
• To refill a prescription to have mailed to you visit Mail Order Quick Refill
• Need help? Call 1-800-228-3108

Participants may also fill up to 90 days’ supply at select retail pharmacies under the Walk-in Mail Program. Pharmacies that participate in this special network have agreed to deeper discounts than the standard retail pharmacy network. Walk In Mail Pharmacies include all major chain pharmacies and many independent pharmacies.

To find a participating pharmacy, search the Sav-RX Pharmacy Locations website by typing in your Group Number (HERE01) and your zip code. It will be noted in the description if the pharmacy participates in the program.

The Sav-Rx mail order pharmacy is a cost-effective option for long-term maintenance and specialty medications. All orders are shipped directly to your door for no additional charge.

There are three options for sending in a prescription for mail order.

1. Ask your doctor to send the prescription electronically to:
   Sav-Rx Prescription Services
   P.O. Box 8
   Fremont, NE 68026
   1-800-228-3108
2. Ask your doctor to fax the prescription to (402) 753-2890
3. Call Sav-Rx at 1-800-228-3108 with the name of your prescriptions and your doctor’s contact information and they will handle it

Only participants who have worked the required number of hours under Eligibility Rule A or Eligibility Rule C will be eligible for dental plan benefits. If you have questions about eligibility, contact the Trust Administration Office at 1-844-441-0786.

Eligible participants enrolled in the Trust Traditional Dental Plan have two options: Cigna and Pacific Dental Alliance. Coverage is for preventive services and services necessary for the diagnosis and treatment of dental disease. Benefits will be paid up to the dollar amount allowed for each procedure as listed on the Trust’s Dental Fee Schedule. Benefits are limited to a maximum of $2,000 during each calendar year for you and each of your eligible dependents age 18 and over. Eligible dependents under the age of 18 are not subject to the $2,000 calendar year maximum. The lifetime maximum for dental expenses in connection with orthodontics is $635 for you and each of your eligible dependents.

Eligible participants enrolled in the Trust Traditional Dental Plan can access dental care from the many dentists participating in the Cigna Dental PPO Shared Administration Plus network.

• Find a dentist: cignadentalsa.com and select “Cigna Dental PPO Shared Administration Plus” option
• Questions? Call Cigna at (800) 797-3381

The Pacific Dental Alliance providers will accept the Trust’s dental plan allowance as payment in full for most services. This means that eligible participants will pay nothing for covered dental care up to the annual Plan maximum except for copays. To receive your benefits, call a dental office and inform them you are a Local 8 member. The staff will schedule your first appointment and answer any questions. See the Pacific Dental Alliance flyer [pdf]

• Find a dentist: www.pacificdentalalliance.com
• Visit PacificDentalAlliance.com for more information

Eligible participants enrolled in the Willamette Dental Group Program can access dental care at many group office locations in Washington and Oregon. For details about covered benefits and copays, see the Willamette Dental Group Summary of Benefits [pdf].

• Find a dentist: locations.willamettedental.com/
• Questions? Call Willamette Dental Group at (855) 433-6825
• Visit willamettedental.com for more information

• To find an eye doctor visit EyeMed Find an Eye Doctor – and choose Access network
• Questions? Call EyeMed at 866-372-7380

To request an appointment, call First Choice Health at (866) 372-3780 or visit First Choice Health MAP – username: unite then select “find a provider”

Visit First Choice Health MAP – username: unite

Benefits begin on the first day you are out of work if due to an accident or on the first day of hospitalization if due to illness or pregnancy and you are hospitalized.

Benefits begin on the 5^th day you are out of work if due to illness or pregnancy and you are not hospitalized.

The disability must begin while you are covered under the plan. You are considered totally disabled if you cannot work full time at your regular occupation because of your disability. To receive benefits, you must be seen and treated by a physician regularly. Your coverage will continue for up to 16 weeks as long as you are certified by a physician as unable to work at your regular occupation because of the disability.

• $430 per week for Plan A
• $90 per week for Plan B

Under the new provisions, you may be eligible for a benefit of up to 60% of your monthly covered earnings — up to a maximum of $1,000 per month if you sustain a long-term disability.

Disability means that, solely because of a covered injury or sickness, you are unable to perform the material duties of your regular occupation and you are unable to earn 80% or more of your earnings from working in your regular occupation. After benefits have been payable for 12 months, you are considered disabled if solely due to your injury or sickness, you are unable to perform the material duties of any occupation for which you are (or may reasonably become) qualified by education, training, or experience, and you are unable to earn 60% or more of your earnings. The insurance company who will pay these benefits may require proof of other earnings you may have during the period of disability, as well as medical verification of your disability.

Covered earnings means your wages or salary, not including bonuses, commissions, and other extra compensation.

You must be disabled for 120 days before benefits may be payable.

Once you qualify for benefits under this plan, you continue to receive them until the end of the benefit period shown below, or until you no longer qualify for benefits, whichever occurs first.

Your benefit period begins on the first day after you complete your elimination period. And, should you remain disabled, your benefits continue according to the following schedule, depending on your age at the time you become disabled.

If you have questions, contact the Trust Administration Office at (844) 411-0786

The life insurance benefit provided through New York Life offers financial protection to your beneficiary if you die. A benefit will be paid to your beneficiary (subject to applicable state law) in the event of your death regardless of the cause, time, or place while you are covered under this Plan.

• Employee $7,500
• Spouse $3,000
• Dependent Child $2,000

The Accidental Death & Dismemberment benefit provides benefits to your beneficiary if you die or to you in the event of loss of limbs or sight if your death or loss is caused by an accidental injury. Your benefits for accidental death are in addition to the plans’ life insurance benefit.

Obtain a claim form from the Trust Administration Office. Complete the form according to the instructions and return it with a certified copy of the death certificate to:

Trust Administration Office
c/o Northwest Administrators
2323 Eastlake Avenue E, Seattle, WA 98102
Phone: (844) 411-0786

The Pension Plan is administered by Northwest Administrators. If you have questions about the plan, including participation, vesting, or anything else related to your pension benefit, call the Trust Administration Office at (844) 411-0786.

Your plan participation date is the first day of the month in which your employer makes or owes contributions to the plan on your behalf, with the following exception:

If your participation ends but you later return to participation, your participation date is the date when employer contributions on your behalf resume, unless your credited service for your prior period of participation is reinstated as described under “Return to Participation.” If it is reinstated, your participation date is the same as before your employment ended.

You must be vested to receive a monthly pension from the plan when you retire. To become vested, you must have completed at least five years of service including at least one year of credited future service or, at age 65 have reached your fifth anniversary of plan participation, earning at least 400 hours of service during the current plan year.

Each month your employer contributes to the Pension Trust Fund on your behalf. The amount of the contribution is based on the number of hours you worked multiplied by your hourly contribution rate.

At the end of the accounting year (May 31), the plan determines the number of hours you worked during the last 12 months. If you work 400 or more hours during the year, you will receive an increase to your monthly pension amount for that year; if you work less than 400 hours, your pension will not grow that year.

Download the current Pension Summary Plan Description [PDF] for details on the Pension Plan.

• If you are married, you will receive slightly smaller monthly pension payments so that if you die before your spouse, your spouse will receive your monthly pension (or a portion of your monthly pension) for the rest of his/her life. You can choose whether the payments that would continue to your spouse will be 50%, 66-2/3%, or 100% of the payment you receive.
• If you have 10 years of service, you can retire early and start getting your monthly pension between the ages of 55 and 64. However, if you do, the monthly pension amount you receive will be smaller than if you retire at age 65 because your pension must be stretched out over a longer period.
• If you die after you become vested, but before you begin receiving your monthly pension, the plan will pay a death benefit to your beneficiary.
• If you become disabled and cannot work while you are a plan participant but after you become vested, you might qualify for a disability pension from the plan.