Open Enrollment Period
November 1, 2017 through November 30, 2017
Dates to Remember
All Changes, Single with Dependents & Opt-out Elections Due By:
Thursday, November 30, 2017
Effective Date for Changes:
January 1, 2018
Dear Health and Welfare Participants:
The Open Enrollment period for the IBEW Local No. 43 and Electrical Contractors Health and Welfare Plan is from November 1, 2017 to November 30, 2017 for coverage effective January 1, 2018. The member healthcare premium cost and enrollment instructions are outlined in the enclosed document.
You will note that there is an increase in the member contribution requirement beginning January 1, 2018. This is the result of health care costs which have been increasing substantially over the years. To put the increased costs in perspective, the IBEW Local 43 Welfare Fund will spend more than $15.2 million on member benefits this year compared to $14.2 million last year.
You are encouraged to carefully review the enrollment instrucons, including those related to
the Health Reimbursement Accounts (HRA) as the regulaons pertaining to the HRA have changed.
Speciﬁcally, if you are enrolled in single coverage or opt-out of medical coverage, and want your HRA
allocaons to be available for qualifying expenses incurred by eligible dependents, you must provide
evidence (as indicated on the enclosed forms) that those dependents are enrolled in other employer-
sponsored minimum value group health coverage.
As always, if you have questions or need assistance, please call the Fund Office at (315) 474-5729. We will be glad to be of help.
Very truly yours,
BOARD OF TRUSTEES
INTERNATIONAL BROTHERHOOD OF
ELECTRICAL WORKERS LOCAL NO. 43
AND ELECTRICAL CONTRACTORS