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Open Enrollment Documents


Open Enrollment Period

November 1 through November 30 Annually

Dates to Remember

All Changes, Single with Dependents & Opt-out Elections Due By:

November 30th 2026


Effective Date for Changes:
January 1, 2027


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, 2026, to November 30, 2028, for coverage effective January 1, 2027.


Remember, Open Enrollment is the only time annually (outside of a qualifying life event, like getting married, having a baby or divorced) that you can make changes to your medical plans.

The Open Enrollment instructions and 2027 healthcare premium rates are listed in the other tabs.


You are encouraged to carefully review the enrollment instructions, including those related to the Health Reimbursement Accounts (HRA). Specifically, if you are enrolled in single coverage and have dependents or opted-out of medical coverage and want your HRA allocations to be available for qualifying expenses incurred by your eligible dependents, you must provide evidence every year (as indicated on the enclosed forms) that those dependents are enrolled in other employer-sponsored minimum value group health coverage.

In addition, retirees enrolled in this Plan’s medical coverage or this Plan’s Medicare Advantage Plan may enroll their eligible dependent children, subject to the Plan's eligibility and enrollment guidelines. If you are retired and do not wish to enroll an eligible dependent child, no further action is required.


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
WELFARE FUND

EFFECTIVE JANUARY 1, 2026

HEALTH BENEFIT PREMIUM RATES BY COVERAGE TYPE

Single $660.00

Family: $1,425.00

Opt-Out of coverage: $100.00


All Coverage Options Include:

Short-Term Disability for Occupational and Non-Occupational Sickness or Inquiry

Life Insurance: $50,000 Death Benefit

Accidental Death & Dismemberment (AD&D): up to $50,000

Employee Assistance Program (EAP): at no cost to you or your family

Health Reimbursement Account (HRA)


Benefit premium costs are deducted from your HRA, not your weekly paycheck


  1. CONTINUE COVERAGE AS-IS
    If you wish to continue your Single or Family coverage election “as is” no further action is required by you. However, if you have Single coverage and have HRA eligible dependents, please see “SINGLE COVERAGE WITH HRA ELIGIBLE DEPENDENTS - Must be renewed annually”.

  2. ELECT OR CHANGE COVERAGE
    If you wish to elect coverage or change coverage, or add an eligible dependent you must act now. If you fail to make your changes on or before November 30, 2023 your next opportunity to do so will be during the next Open Enrollment period November 2024 unless you have a qualifying life event change. Please see ELECTING or CHANGING YOUR COVERAGE OPTION

  3. OPT-OUT / WAIVE COVERAGE
    If you wish to opt-out of coverage, please see “OPT-OUT-OF COVERAGE - Must be renewed annually”.

    Dates to Remember:

    Open Enrollment Period:
    November 1, 2026 through November 30, 2026

    Effective Date for Changes:
    January 1, 2027

    Send all forms and documentation to:
    IBEW Local Union No. 43 & Electrical Contractors Welfare Fund
    P.O. Box 2218
    Syracuse, NY 13220-2218

Click here to download a Fillable version.

It appears your browser can't display PDFs. Click here to download.

Please login to your Member Benefit Portal to view the Plan’s SBC

  1. Once logged in, please go to Participant Resources -> More -> and click on 2027 Summary of Benefits & Coverage (SBC) under Welfare Fund to view


I.B.E.W. Local 43 and Electrical Contractors Trust Funds
PO Box 2218 - Syracuse, New York 13220-2218
(315) 474-5729 - (800) 474-5744
FAX (315) 474-1588

This notice contains important information regarding your Welfare Fund benefits

Date: October 2026

To: International Brotherhood of Electrical Workers Local No. 43 and Electrical Contractors Welfare Fund
Participants and their covered dependents
All retirees and their covered dependents
All COBRA participants

From: The Board of Trustees
Notice of Grandfathered Health Plan

International Brotherhood of Electrical Workers Local No. 43 and Electrical Contractors Welfare Fund believe this plan is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when the law was enacted. Being a grandfathered health plan means that your plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for the provision of preventive health services without any cost sharing. However, grandfathered plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits.


Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the plan administrator at (315) 474-5729. You may also contact the Employee Benefit Security Administration U.S. Department of Labor at 1-866-444-3272 or https://dol.gov/ebsa/healthcarereform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.




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