Questions and Answers for Laborers
Benefits Administration and Information What do I do if I lose my Health Plan Identification (ID) Card? Where do I call for benefits information? What are the 46 Northern California Counties represented by the Trust Funds (also known as the Preferred Provider Service Area)? Eligibility Information Why is it important for me to keep my payroll records (check stubs)? My Employer has refused to pay my contributions to the Trust Funds. What can I do to help the Trust Funds collect what is due to me? I plan to be off work for several months. How long will my health and welfare coverage last, with the current number of hours in my Hour Bank? What does a Statement of Account tell me? What should I do if all of my work hours do not appear on the Statement of Account? What should I do if there is an error on the Statement of Account? What should I do if I don't receive a Statement of Account? COBRA Continuation Coverage What is COBRA? Who is a Qualified Beneficiary under COBRA? What are COBRA Qualifying Events? What is the cost, and how long will coverage last while under COBRA? Hospital-Medical Benefits What is an HMO? What is a PPO? What is Coordination of Benefits (COB)? What is the plan definition for Physician? Pensions and Annuities What are the requirements for becoming a Participant in the Laborers Pension Plan? Can you lose participation in the Laborers Pension Plan? How much is my pension worth? What does the Pension Plan say about transferring hours from one Plan Credit Year to another? When can I receive the money in my Annuity Account?
