Health & Welfare and Pension Funds
of Philadelphia and Vicinity

Termination of Coverage Provisions

LOSS OF MEMBER ELIGIBILITY
A member's eligibility shall automatically terminate if any of the following take place:

1. When a member has less than the required number of days' contributions to his credit in accordance with the Qualifying Schedule of Eligibility set forth in the Summary of Benefits Schedule and does not qualify for the Extension of Benefits Provisions on the following page; or
2. When a member ceases to be a member of a class of employees covered by his employer's Collective Bargaining Agreement with a participating Local Union, or otherwise no longer qualifies as a Member as defined herein, (except that if the employee retires, eligibility will continue in accordance with the "Qualifying Schedule" in the Summary of Benefits Schedule, and further, if a member leaves Covered Employment prior to retirement, he or she may continue to exhaust earned eligibility credits for a period not to exceed two (2) months); or
3. When a member becomes self-employed outside the scope of a Collective Bargaining Agreement; or
4. When a member enters full-time military, naval or air service; or
5. When the benefit program is terminated; or
6. Immediately upon the date on which any Participating Local Union and Contributing Employer(s) agree that the then Contributing Employer(s) shall no longer make contributions to the Fund.

NOTE: No matter what else might be written in this Booklet, a member shall not be eligible for benefits incurred during any Benefit period in which:

1. His employer is not a Contributing Employer, or
2. His employer is making contributions or payments of any kind to any party (other than this Fund) for the purpose of providing Health and Welfare benefits which duplicate in any way the benefits provided under this Fund.

LOSS OF DEPENDENT ELIGIBILITY

A dependent's eligibility shall automatically terminate if any of the following take place:

1. When the member's eligibility terminates; or
2. When a dependent becomes an employee of any Employer and earns enough income to lose dependency status under the Internal Revenue Code; or
3. When a dependent enters full-time military, naval or air service; or
4. When a dependent ceases to be a "dependent" as defined herein; or
5. In the case of children:

1. When you can no longer claim your child as a dependent on your Federal Income Tax Return; or
2. When a member's child(ren) attain the age of 19 years (or 23 if attending an accredited school or college on a full-time basis), except children who are physically or mentally incapable of self-support (see page 4, item c); or 
3. When a dependent child is married; or
4. When a dependent child becomes eligible as an employee under a group health plan sponsored by any employer.

 Last Date Updated :  04/28/09