Retiree/Medicare Coverage

In order to participate under the Retiree provision of this plan you must meet the following requirements:

• Your Local Union and former Employer must be participating in the IHF; and
• You must have experienced Active Eligibility prior to retirement; and
• You must be retired, eligible for or receiving a pension benefit from the Bricklayers and Trowel Trades International Pension Fund, or a pension fund maintained by the International Union or one of its local unions; and
• You must be at least age 55 or eligible for a Disability Pension; and
• Pay the required monthly premium set forth by the Fund office

Mediare Coverage

Once your reach age 65 years old and eligible for Medicare Parts A and B, your benefits will be coordinated with Medicare. Medicare will be your primary provider. If you only elect Part A of Medicare, all covered health expenses will be paid to you as though you had enrolled in Part B. In other words, reimbursement will be reduced by the Medicare benefits available to you as if you had enrolled. You will be paid the difference between what Medicare pays (or would have paid) and the Medicare allowance for all covered Plan benefits.