Do I have to pay taxes on the Weekly Income Benefits? Call and request a Pension Application and Retirement Summary. How many hours must I work to get a year of credited service toward my vesting? If your spouse is under age 65 and not Medicare eligible, her or his benefits will be paid according to the schedule of benefits for Retired Employees Under Age 65 until she or he becomes Medicare eligible. Enter the birth date of the participant or dependent6. IBEW 716 . In the unlikely event your claims are not automatically sent, you or your provider may need to send your claims and EOBs directly to the Fund Office. Mail to: IBEW Local 292 Benefits Office 6900 Wedgwo o d Rd N ste 425 Maple Grove, MN 55311. NEBF understands that losing a loved one will be a difficult time for you, your spouse, family and friends. If you're younger than 75 when you die, this payment will be tax-free for your beneficiaries. hWk0W=dP The Alternate Plan does not provide dental and vision coverage. 1974 (ERISA) Inquiries about RX deductibles should be referred to CVS/Caremark at 1-844-345-3233. If a generic is available and you choose the brand, then you will pay the brand co-pay plus the difference in cost between generic and brand. $6,000 death benefit for retired employees. Amendment 14 to the SPD of the Southern California IBEW-NECA Supplemental Unemployment Benefit Trust Fund. If I elect COBRA, can I drop the Dental and Vision Benefits and pay the ALT plan? May I name someone other than my spouse as my beneficiary? However, this amount never falls below $3,000. The Electronic Reciprocal Transfer System (ERTS) - "Enabling the transfer of members' pension and health & welfare contributionsback to their home funds, no matter where they may be working. The International Executive Council (I.E.C.) 326 0 obj <> endobj Warehouse Employees Union Local 730 Pension Trust Fund. endstream endobj 605 0 obj <>stream Please confirm your benefit and beneficiary information by calling 718-591-4400. Cobra coverage available following the 24-month period of coverage under the Family Security Benefit. Why do I need to complete a Beneficiary Data Card? for the IBEW Pension Benefit Fund . IBEW Local 246 Benefits OfficePO Box 364Troy, MI 48099. When I become eligible for Medicare, do I have to purchase Medicare Part B? If I have a Deferred Vested Benefit under the Plan, must I do anything to receive these benefits? You will need to send a check or money order. The system will provide eligibility status information. Current benefit is 120 monthly payments equal to 50% of the accrued benefit starting the month after death. Your claims should be automatically submitted to the Fund Office from Medicare. Your rights are protected by U.S.E.R.R.A. pREq .CnaKqK`4"j{C-]K5NK#fwdEL@8e$8c^lJ(1Y+u%'^ruP`-O$*qw]t>=]W2% nF2'i>IHy #! Yes, we need for you to verify the claim was not due to an accident. Press the number 2 if you are the participant4. 1 2018. As with many pension plans, the IBEW Pension Benefit Fund faces challenges; and at the 2011 IBEW International Convention in Vancouver, Canada, action was taken to strengthen the plan. What happens to my spouse if I pass away after I retire? Do I need to complete an accident form even though my claim wasnt due to an accident? Box 30751, Salt Lake City, UT 84130. No deductible has to be met prior to receiving Vision and Dental Benefits. Call 1-800-765-4239. `5klBu F 8a Rp.hp Yes, if you are Medicare eligible AND are age 65 or older. The plan number assigned by the IBEW to the IBEW PBF is 001. What if my dentist isnt a Guardian provider? As an IBEW Apprentice, Electrician, Powerline Technician or Network Cabling Specialist, your life insurance coverage is up to $125,000 (more in some areas) doubled if accidental death including long term disability coverage. However, participants may receive a copy of their 2022 IRS Form 1095-B from the Fund upon request to the Fund Office. What if I die while I am receiving a benefit. a Benefit and Pension Credits. It is vital that . No Disability Pension, Death Benefit or Optional Spousal Benefit Lump sum payment made if monthly benefit equal to or less than $30.00 (U.S.) or Canadian equivalent . The Plan pays: $25,000 death benefit for active employees. There are some individuals who may not be able to take early retirement until age 57. The current benefit is $4.50 per month for each year of continuous good standing as an "A" member. Does my spouse have to take his/her own insurance if it is offered by his/her employer regardless of the cost? If I am on the Retiree Plan, how does it work when I am Medicare eligible and over age 65 but my spouse is not Medicare eligible?Your benefits will be paid according to the schedule of benefits for Retired Employees Over Age 65 and Eligible for Medicare, and your spouses benefits will be paid according to the schedule of benefits for Retired Employees Under Age 65 until she or he becomes Medicare eligible. endstream endobj 600 0 obj <>stream Site Map | The IBEW PBF is a defined benefit plan. IBEW ConstitutionArticle XVI, Section 11, as amended states: "The L.I.-J. The Retiree Plan is NOT automatic, so you will need to submit an application to our office. In the Agreement and Working Rules dated January 1, 1944, it . Why is my maintenance drug being rejected at the retail pharmacy? Retirees and their families can stay connected. In the early part of the 20th century, accidental electrocution among people employed in the electrical industry occurred with such frequency that many insurance companies refused to insure the lives of electrical workers. B) Reduces down monthly by amount of checks received Go to: www.ibew.org . Complete list of Participants that have passed away: A tribute to our deceased members Benefit # Date of Death: Member: 1: 1/17/91: John L. Crossland: 2: 10/8/91: William (Bell) L . 1; If you leave a job that offers a pension, it may be possible to take a lump sum payment at the time of your departure and roll over those funds into an IRA. $12,500.00 accidental death. Why do I need to complete a Beneficiary Data Card? Do you take COBRA payments over the phone? Is there a deductible for Dental and Vision Benefits? IBEW Local 602. Those retired "A" members continue to play a part in strengthening the IBEW; and although they may no longer be active members, they remain important. If I return to work, will I have dental and vision coverage? ectrical Workers (IBEW) and the National Electrical . Also, the Board of Trustees is proud to announce that the Fund will be providing dental and vision benefits to retirees and their dependents with Base Plan coverage. If you die before you retire your pension will pay out a lump sum worth 2-4 times your salary. STANDARD LIFE INSURANCE - $8,500.00 life insurance - paid through dues $76.56 yearly (effective 4/1/2020) IBEW PENSION BENEFIT FUND - (Death Benefit) $6,250.00 normal death - this benefit changes to no less than $3,000.00 if you have retired. How often do I need to have a physicians statement completed by my doctor? Do I need to notify the Fund Office if my spouse passes away? Once your spouse passes away, no further benefits are due. hb```,M cb If I take another job after I retire, will I lose my pension? DEATH BENEFITS FOR BENEFICIARIES Is there a medical deductible for the retiree plan? Complete a Pension Benefit Application. ]mP|\\F-]s 9"Z'a89Fum`Ipb;[1AUQ\"Y[|8^V=uk~{Szc'C(]YZn*UPhLz()x;%Aa? Effective January 1, 2013, monthly dues will be $30, with $15 attributable to the IBEW Pension Benefit Fund. All individuals currently holding "BA" membership with the IBEW are encouraged to take advantage of the benefits associated with changing their membership to "A." Enter the participant ID number5. Why do I have to fill out a Participants Data/Claim Statement and how often do I have to fill it out? Revised May 2012 . officers and the members of the Beneficiaries of . 425 Eagle Rock Ave, Suite 105. mCgsE&X-5\[sCl$|aQIrnZx'mq2'Tq_UK This website provides Participants and their dependents with online . Yes. RETIREMENT I will be retiring soon, what do I need to do? endstream endobj 601 0 obj <>stream Does my spouse have to take his/her own insurance if it is offered by his/her employer regardless of the cost? Retirees will continue to be eligible for the benefit. This vested right will entitle him to receive, co mmencing at age sixty - five (65), pension benefits computed on the basis of four dollars and fifty cents . endstream endobj startxref 0 1. Please do not email the Benefit Application as it contains private information and email may not be HIPAA-compliant. The normal pension form paid $962.00 per month for a minimum of 60 months, and provided that . Why is my Benny Card suspended? In the event of your death, the individual you last named on your data card will be who your death benefits (if eligible) are paid. Author: Janks, Joan Created Date: 07/13/2020 08:48:00 February 28, 2023. Death Benefit - Plan A Only Members - $10,000 (reduced at age 70) Spouse <65 - $3,000 Dependent: Greater than 14 days & Less than 25 years old - $3,000 Contact lenses count as lenses, meaning one set of lenses or a one-year supply of contact lenses will be covered each year. 72 0 obj <> endobj Is there a deductible on our Prescription Drug Plan with CVS/Caremark? NJ Providers and Subscribers submit all medical claims to: What if I die before I start receiving a benefit? The information below pertains to "Active" (non-retired) participants and retirees, and their spouses, under the age of 65 who are not Medicare-eligible. Example of payout: 30 consecutive years of membership = $4.50 x 30 years = $135/month. However, you can submit a claim to the HRA department for reimbursement after your premium has been deducted from your bank account. Pension Benefits. 3333 Denali Street, Ste 200, Anchorage, AK, 99503, United States . An IBEW pension will enable you to enjoy life without having to worry about making ends meet. When I become eligible for Medicare, will I still have prescription coverage? For Death Benefits from the IBEW Pension Benefit Fund Retired/Active "A" Members of the IBEW MR MS MRS MR MS MRS MR MS MRS Section A: Member's Information . Employee Retirement . What is the difference in the Joint & Survivor options and the 5 or 10 year certain options? HTKo0W(G[3,^*H3Cm~$qG~&! What is the reason for a HIPAA Customer Service Consent form? If I lose eligibility will I be notified once I become eligible again? %%EOF The 102 Welfare Fund is currently using Blue Cross/Blue Shield, as our Preferred Provider Organizations (PPO). Up to 36 months, however, in certain circumstances your COBRA continuation coverage could be terminated prior to 36 months, such as once you become entitled to Medicare. endstream endobj startxref What is normal retirement age? On behalf of the staff at BeneSys Administrators, our office is happy to be working with you and your Board of Trustees. 5-Ag T(Y+~,zk1UM)Psv}t7anJAIcwm0=lczoAcW(_UtyrQOv5hvdIn'VOw.}~"nmuL N%8 2QRp H`9PRPJ When I become eligible for Medicare, do I have to purchase Medicare Part B? 0000001592 00000 n The 10-Year Certain (Early Retirement or Normal Retirement options) gives you a lifetime benefit, but if your death occurs after you have received at least 120 monthly payments (10 full years) no benefits will be payable to your beneficiary. We look forward to serving you in a professional and timely manner. How many hours must I work to get a year of credited service toward my vesting? Is there a deductible on our Prescription Drug Plan with CVS/Caremark? In the event of your death, the individual you last named on your data card will be who your death benefits (if eligible) are paid. What if I die while I am receiving a benefit? The beneficiaries of retired "A" members may also be eligible for a death benefit between $3,000 and $6,250, depending upon how much the member has received in pension benefits at the time of their death. The IBEW Pension and Reciprocity Department reports and provides assistance to the International Officers on departmental areas of responsibility: pension and death claim payments, construction industry reciprocity and membership records. but not disability pension benefits or death benefits. to which the benefit can be paid, the death benefit shall revert to the I.B.E.W. 256 0 obj <>/Filter/FlateDecode/ID[<82A2CBF87AE99C4CAA4512BAE31BD088>]/Index[243 22]/Info 242 0 R/Length 72/Prev 60330/Root 244 0 R/Size 265/Type/XRef/W[1 2 1]>>stream H|SMO@WqvXBH@@UzH98vJ-Rmt`T"QeM^t0URU!M"8)dNT"XumTH z1Q d3-4'dh$ibfV9_. 'b(hvblo``0{7_SufsYOnpD$^kBc3/T^f`: c` X,1%)%Q]I| ^P(2p i4 cz 6iV 3 for Dues Contact Us | 4) Death Benefit . \bY}k[J$!}4H2BOZt/=pm%{fr#o1)Vw> G_y-R#J b,?y*FUIW3# QHU3k 3THU(@IiBAVH0q>&>2dVh(:Y)@t(^a:OIJ(UE Ap= {] _"BdP?. You can check your eligibility by calling the automated system at (800) 765-4239, then press 9, and then answer the prompts you are given. Does my spouse have to meet two deductibles? Click here to read the January 2023 Newsletter, Click here to read about the No Surprises Act, Frequently Asked Questions - Health and Welfare. Union de Tronquistas de Puerto Rico Local 901 Pension Plan. endstream endobj startxref PENSION PLAN . 0 The Electrical Workers Death Benefit Society (EWDBS) 83rd annual meeting was called to order in the JIB auditorium on February 10. . DISABILITY When I am receiving Weekly Income Benefits due to disability, do I have to complete the weekly letter each week? For a Married Participant the Basic Form of Benefit is a Participant and Spouse Pension (otherwise referred to as Husband and Wife Pension in the SPD or 50% Joint and Survivor Pension)(following death of participant spouse gets 50% of Participants amount). Today, only "A" members of the IBEW participate in the IBEW Pension Benefit Fund through which they may later become eligible to receive a monthly pension benefit. Please go to the Documents and Forms library at https://www.neca-ibew.org/Documents-and-Forms, category Accident Forms, to download an accident form. As an IBEW Journeyman, you'll receive between $2.39 and $4.25 per hour from your employer for your pension. Yes. 0000006292 00000 n Retirement Plan IBEW Pension Benefit Fund Early Retirement Vested and Age 62, 63, or 64 and worked for covered employer for 300 or more hours in any of the 7 calendar years immediately before later of the month following receipt of application or month following Phone (202) 728-6206 Fax (202) 728-6138 Email pension@ibew.org. Only 'A' Members participate in the IBEW Pension Benefit Fund. WHEREAS, the IBEW Constitution provides under Article XI, Section 6(h): . . The Department researches and corrects data not provided (or incorrect data) for members. Southern California IBEW held that upon the Alternate Payee's death, the retiree will receive the full pension amount. February 20, 2023. If you require a change of beneficiary form please click below: The second was to establish safety and training. The HIPAA Customer Service Consent Form allows designated family members and/or designated representatives to talk with and receive information from the fund office about you and other family members regarding their medical benefits, eligibility etc.. Natural parents of dependents under age 18 will be granted access to their medical information. An additional thirteen weeks is . All members retiring January 1, 2007, or later will receive these improved payments. Amount . endstream endobj 602 0 obj <>stream When I become eligible for Medicare, will I still have prescription coverage? 615 0 obj <>stream If I am called up for military service, do I retain my pension rights? Do I need to notify the Fund Office if my spouse passes away? How often do I need to have a physicians statement completed by my doctor? How do I order new Prescription Cards?Contact CVS/Caremark directly, there is no need to call the Fund office. About the Pension and Reciprocity Department. Additionally, named beneficiaries of "A" members may receive a $6,250 death benefit if death occurs by natural causes or $12,500 for those who die by accident. In response to this dilemma, members of the IBEW established a fraternal death benefit association in 1922 whose essential purpose was to provide the named beneficiary of a deceased member a sum that might permit our member to be interred in a dignified manner. Can I use my HRA to pay for my Retiree Premiums? Upon the death, on or after January 1, 2007, of a non-retired "A" member who then has at least six (6) months continuous and active good standing, the beneficiary to receive the death benefits payable under this paragraph . PRESCRIPTION Is there a deductible on our Prescription Drug Plan with CVS/Caremark? No, it is your responsibility to keep track of your eligibility. . No changes in the Rehabilitation Plan to the current benefit. HtTn0+xIl7t@@-2$!%R{OOgK_sg`r-73iC0?jGBP a9&kDg(% We do not take any payments over the phone or credit cards at this time. Critical Status Notices. www.ibew.org/members/pensionbenefitfund/ArtXI_041207.pdf. May I retire before age 65? Does my spouse have to meet two deductibles? May I retire before age 65? How do I add someone to my coverage? %PDF-1.4 % 647 0 obj<>stream At that point the system will inform you . The pension benefit at the beginning was an all-inclusive $40.00 per month. Home; About Us; Apply; New Member Orientation; Dispatch . The calendar year maximum is $400 for covered vision services on participants and dependents age 18 and older. trailer What is the reason for a HIPAA Customer Service Consent form? ;#akpy3x]|Zj '| v;|h '|Z pE!?K=]Y3Vm.xzK4L If the member is not survived by children under the age of 21, benefits will be paid to the designated beneficiary. When an "A" member retires from the IBEW, the relationship he may have with the IBEW may change, but it doesn't end. Please call the benefits office if you have any questions. See plan for detailed rules. OF THE I.B.E.W. IBEW Pension Benefit Fund (PBF) Documents. YOU MAY WANT TO VERIFY YOUR WORK HISTORY PRIOR TO APPLYING TO SEE IF YOU QUALIFY UNDER THE 45 OF 60 RULE BECAUSE ONCE AN APPLICATION HAS BEEN RECEIVED, IT CANNOT BE WITHDRAWN. 'A' Members require only six months of IBEW membership for their beneficiary to receive the death benefit. hbbd```b``"dd `0fXD, X$ fk q 8 : Revised August 2019 . H|T=o@+8e'^fh2$KU` h3#yMYVH You should receive it within ten (10) business days. Why do I have to fill out a Participants Data/Claim Statement and how often do I have to fill it out? It is important to complete a new data card as you have changes in your life such as marriage, divorce and dependents. 0 Find more information on the benefits, health insurance and pension for the International Brotherhood of Electrical Workers, Local 760. MEMBERS OWING DEATH BENEFITS (All listed below are beyond the 30 days) As per the Bylaws-Article XIII-Section 6, a $5.00 assessment for each death is due to the Local Union within 30 days of this notice. As always, please feel free to contact the Trust Fund Office at (702) 415-2188 if you have any additional questions or concerns. Do we have a dental card? All rights reserved. 351 0 obj <>stream Why do I need to complete a Beneficiary Data Card? PHONE1. How long does it take for my benefits to begin once I retire? Yes, your prescription coverage through the Fund will continue with the SilverScript Prescription Drug Plan (PDP). 59 0 obj <> endobj Contractors Association (NECA) in 1946 to provide . Mobile App: go to Me, Manage Debit Cards, then Report Lost/Stolen. When I am eligible for Medicare, do I have to take the Transamerica coverage if I wish to continue my participation in the Retiree Plan?If I am on the Retiree Plan, how does it work when I am Medicare eligible and over age 65 but my spouse is not Medicare eligible? 2. How long do I have to submit my retiree application? Warehouse Employees Local 169 and Employers Joint Pension Fund. For information regarding "Alternative Plan" co-pays, please refer to the 2020 Summary Plan Description and Plan Document under Documents & Forms or contact CVS/Caremark at 1-844-345-3233. When I am receiving Weekly Income Benefits due to disability, do I have to complete the weekly letter each week? This card is sent to you on a periodic basis. endstream endobj 73 0 obj <> endobj 74 0 obj <> endobj 75 0 obj <>stream If you would like a copy of your 2022 Form 1095-B, you may request a copy by email at: Eligibility@8thdistrictbf.org, by phone at: (844) 989-2321, or by mailing your request to: P.O. As noted at the convention, one of the best ways to strengthen the fund was to increase "A" membership in the IBEW. If I am called up for military service, do I retain my pension rights? "A" members need only hold IBEW membership for six months for their named beneficiary to receive the death benefit. Named beneficiaries of 'A' Members may receive a $6,250 death benefit if death occurs by natural causes or $12,500 for those who die accidently. The Retiree Plan of Benefits is medical coverage and prescription coverage. Additionally, named beneficiaries of "A" members may receive a $6,250 death benefit if death occurs by natural causes or $12,500 for those who die by accident. Income Security Act of. IBEW Pension and Reciprocity Department . For replacement cards with the same number, visit the HRA Participant Portal. If I am on the Retiree Plan and return to work, what will happen? hb```Tea`Zwa7U|/}SS":Vlf`trKAJJfS`ppp0t6p04D05 X%47@( )" ~_! The Pension Plan is specifically designed to provide lifetime income security for retirees and, in many cases, their spouses. It is very important that you notify the Fund Office when you return to work and when you cease working. These same individuals will not receive a non-reduced benefit until age 62. Who should I contact for information about my pension benefits? February 7, 2023. If you return to work in the electrical industry, in the same trade or craft and in the same geographical area of the Pension Fund, you shall forfeit one (1) monthly pension payment for each calendar month during which you are employed forty (40) or more hours. of a Benefit Event of a Divorce. Phone: (813) 621-6451 Fax: 813-623-1623. If you are disabled with a Social Security Award, there is no minimum age requirement.If you are NOT disabled, you must be at least 55 years of age AND have an award of retirement from Social Security, NEBF or any other pension fund in which Union Trustees are selected by one or more Local Unions affiliated with the IBEW. How long do I have to submit my retiree application? Many members, however, acquire far more than 20 years of participation by the time they reach retirement age. In addition to payment from your account balance, your beneficiary may receive a death benefit based on your age and years of continuous participation when contributions were made to the Plan. How do I know if my provider is a PPO with BlueCross/BlueShield? 763-493-8830. QUESTIONS AND ANSWERS . Frequently Asked Questions - Pension | Frequently Asked Questions - Health and Welfare. Why is my Benny Card suspended? Do I have to pay taxes on the Weekly Income Benefits? This form can be printed and returned to NECA-IBEW by mail or dropped off in person. Coverage provided at no cost until two years from the date of the employee's death after the personal hour bank is exhausted. As of February 1, 2015, the medical deductible for an individual is $600 and $1800 per family each calendar year. Yes, you should notify the Fund Office immediately if your spouse passes away. (c) Set Off of Death Benefit. Why do I have to fill out a Participants Data/Claim Statement and how often do I have to fill it out? Is there a deductible for Dental and Vision Benefits? If I lose eligibility will I be notified once I become eligible again? If your spouse has a higher deductible, we would pay as secondary once our deductible is met. b3e00 whether death benefit payments from the plan may be rolled over into another retirement plan; and if a rollover is possible, the method and time period in which the rollover must be made. 343 0 obj <>/Filter/FlateDecode/ID[<59C37237E8D73848ADB71F1CF7336A7E><8673EE9BDAF8CA4C85DA5E6443BC9857>]/Index[326 26]/Info 325 0 R/Length 95/Prev 488274/Root 327 0 R/Size 352/Type/XRef/W[1 3 1]>>stream Go to www.neca-ibew.org. The normal retirement age is 65 years old. Procedures. The PG&E Benefits Service Center will need a separate certified copy of the death certificate to pay life insurance benefits. 2 This is in addition to your base pay. How long can I stay on COBRA? All completed forms need to be received by IBEW 292 Benefits Office by December 2, 2022. "It is also a good deal," Reidenbach said. Retired participants receive a monthly pension . MVAlww)k7m}8t/I/X!2N,@K4&i3`PMLdhqMunb|9>NN7jTJn. Yes, however the deductible from both plans would be met simultaneously. Visit IBEW Pension Department. Who should I contact for information about my pension benefits? 0000001144 00000 n What happens to my spouse if I pass away after I retire? The quickest way to get your card unsuspended is to upload the documentation on the consumer portal or. Call 1-800-765-4239. ;!zr=f AUNDnQ#` 3j Yes, a $60 deductible (for the "Base Plan") has to be met each calendar year. Second, your local union will request a $2 admission fee and an amount that is equal to the difference between "BA" and "A" membership dues for your first month as an "A" member. <<4C930E70C8203845BAB6027D3D11C6D6>]>> %%EOF If I elect COBRA, can I drop the Dental and Vision Benefits and pay the ALT plan? The SilverScript coverage will remain in effect unless you elect a different Medicare Part D Plan outside of the Fund's SilverScript Plan. Go to the blue login box in the upper right hand corner and log in to Member Benefits, where you can check your eligibility and claim status. 635 0 obj <> endobj The benefits include: Health & Welfare; Retirement Benefits; Death Benefits; Scholarships; Use this Section to learn more about the funds and they can work for you! ", Copyright 2023 by IBEW 0000000567 00000 n xbb2e`b``3 1x4>( Hu oI;d:lI4pU*RI(CjhEADJ[PYJCP6W|C|Q{Jel-(wLC%co-%)!WCi!BH^jpZzV!4Db(.]h@NEU!o$I;KlQ8:tAoIXI. hO0SBBiD^k-unJTgQD(QLEBX)2Hp9a"bJXS]Z\JV0-F(lQpVpl/ A:+)$%6j\BQ^3hOtbm)SchHx !=Z}8$J=._^-, When contacting your local union, request and complete a Form 124 (Beneficiary Designation Form) designating your beneficiary for death benefits. That fraternal death benefit association (The Electrical Workers Benefit Association) was later merged in January 1992 with the IBEW Pension Benefit Fund following convention action. IBEW PENSION BENEFIT FUND [PBF] 1) PBF is $4.50 per month per years of membership . If you elect the Joint and Survivor Annuity Benefit, your surviving spouse will receive the Survivor Benefit the month following your death. Death Benefits. Endangered Status Notices. 2301 Saratoga Blvd. If I return to work, will I have dental and vision coverage? Does my spouse have to take his/her own insurance if it is offered by his/her employer regardless of the cost? %%EOF
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