Health Fund
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Benefits, Coverage and Eligibility

Initial Eligibility

The earnings minimum requirement for one year of Health Fund coverage is equal to the current Writers Guild of America minimum for a one hour network prime-time story and teleplay. Earnings minimums will increase with any increase in the Guild minimum provided by the collective bargaining agreement.

Minimum Earnings Chart Quickview

MINIMUM EARNINGS REQUIREMENT FOR
EMPLOYER PAID ELIGIBILITY

DATE
(MM/DD/YY)
QUARTER
(YY/Q)
EARNINGS
MINIMUM
09/01/79
79/3
$4,000
01/01/80
80/1
$5,000
04/01/86
86/2
$10,940
04/01/87
87/2
$11,596
10/01/88
88/4
$12,176
10/01/89
89/4
$12,724
04/01/91
91/2
$13,296
07/01/92
92/3
$13,894
07/01/93
93/3
$14,519
07/01/94
94/3
$15,172
07/01/95
95/3
$15,627
07/01/96
96/3
$16,096
07/01/97
97/3
$16,579
07/01/98
98/3
$17,076
07/01/99
99/3
$17,588
07/01/00
00/3
$18,160
07/01/01
01/3
$18,659
07/01/02
02/3
$19,125
07/01/03
03/3
$28,833*
01/01/05
05/1
$29,482
01/01/06
06/1
$30,145
01/01/07
07/1
$30,823
04/01/08
08/2
$31,748
07/01/09
09/3
$32,700
07/01/10
10/3
$33,681
07/01/11
11/3
$34,355
07/01/12
12/3
$34,956
07/01/13
13/3
$35,568
07/01/14
14/3
$36,457

*The minimum earnings requirement amount is based upon the minimum fee (according to the MBA) for a ½ hour prime-time story & teleplay through June 30, 2003. Effective July 1, 2003, the minimum is based upon the fee for a one hour prime-time story & teleplay.



When Coverage Begins

Because of the time needed to receive and process earnings reports, there is a three month (one calendar quarter) lag period between your satisfying the earnings requirement and commencement of coverage. Once your coverage begins, it remains in effect for 12 consecutive months (four consecutive calendar quarters).

The following chart shows when coverage will begin based upon when the earnings requirement is satisfied, and the four quarter earnings cycle in which the earnings requirement must be satisfied in order to maintain continued coverage:

If you satisfy the earnings requirement in: Your coverage
period will be:
Earnings Cycle for continued coverage:
4th quarter of 2012
(Oct, Nov, Dec)
April 1, 2013 –
March 31, 2014
January 1, 2013 – December 31, 2013
1st quarter of 2013
(Jan, Feb, Mar)
July 1, 2013 –
June 30, 2014
April 1, 2013 –
March 31, 2014
2nd quarter of 2013
(Apr, May, June)
October 1, 2013 – September 30, 2014 July 1, 2013 –
June 30, 2014
3rd quarter of 2013
(Jul, Aug, Sept)
January 1, 2014 –
December 31, 2014
October 1, 2013 –
Sept 30, 2014
4th quarter of 2013
(Oct, Nov, Dec)
April 1, 2014 –
March 31, 2015
January 1, 2014 –
December 31, 2014
1st quarter of 2014
(Jan, Feb, Mar)
July 1, 2014 –
June 30, 2015
April 1, 2014 –
March 31, 2015
2nd quarter of 2014
(Apr, May, June)
October 1, 2014 –
September 30, 2015
July 1, 2014 –
June 30, 2015
3rd quarter of 2014
(Jul, Aug, Sept)
January 1, 2015 – December 31, 2015 October 1, 2014 –
September 30, 2015
4th quarter of 2014
(Oct, Nov, Dec)
April 1, 2015 –
March 31, 2016
January 1, 2015 –
December 31, 2015
1st quarter of 2015
(Jan, Feb, Mar)
July 1, 2015 –
June 30, 2016
April 1, 2015 –
March 31, 2016
2nd quarter of 2015
(Apr, May, June)
October 1, 2015 – September 30, 2016 July 1, 2015 –
June 30, 2016
3rd quarter of 2015
(Jul, Aug, Sept)
January 1, 2016 – December 31, 2016 October 1, 2015 –
September 30, 2016
4th quarter of 2015
(Oct, Nov, Dec)
April 1, 2016 –
March 31, 2017
January 1, 2016 –
December 31, 2016

When Eligibility Terminates

If you do not satisfy the earnings requirement within the appropriate four quarter earnings cycle, your coverage will end on the last day of the 12 month period during which you were eligible for coverage.

If your eligibility terminates, you may be able to continue coverage under the Excess Earnings Program (also known as the $250k extension), the Extended Coverage Program or the COBRA The acronym for the Consolidated Omnibus Budget Reconciliation Act of 1985 which allows for the purchase of coverage after loss of eligibility due to certain qualifying events. For more information on these programs, see the Extended Coverage section.

Once your eligibility terminates, you can reestablish eligibility by satisfying the earnings requirements as described in the above section entitled "initial eligibility".

Dependents

If you have dependents, you may add your eligible dependents (click to view chart) to your plan. The Fund requires that you pay a dependent premium of $150 per quarter ($50 per month) to cover all of your eligible dependents. Your dependents must be added to your plan within 30 days of your coverage effective date (except in the instance of a life eventLife events are certain occurrences that will allow you to enroll your dependent(s) without waiting until the Fund's next Open Enrollment.).

Coverage for your dependents up to age 26

Effective as of January 1, 2012, the Fund will extended coverage to a participant'sAn individual or that individual's spouse (opposite or same-sex), dependent children or Same-Sex Domestic Partner who meet(s) the eligibility requirements established by the Fund. eligible children up to the end of the month in which the child attains age 26. Coverage is available whether the child is married or unmarried* regardless of student status, employment status, eligibility for other health insurance, financial dependency on the participant (except as noted below**), or any other factor other than the relationship between the child and the participant.

If your child has other group health insurance coverage, including coverage through an employer, the Fund will consider that other coverage to be primary and the Fund's coverage for such child will be secondary.

Your eligible unmarried children over age 26 who are incapable of self-sustaining employment because of mental retardation or physical handicap remain eligible under the same conditions as set forth in the SPD, provided that the disability and the child's coverage began before he or she reached the age of 26.

Please note, dependent coverage is not effective until the premium payment is received.  After your initial payment is received you will be invoiced for all subsequent premiums due. Invoices are mailed out approximately 30 days prior to the due date; premium due dates are December 20th, March 20th, June 20th and September 20th.

*If your dependent child is married, coverage will not be extended to the child's spouse or children.

**Children of your Same-Sex Domestic PartnerAn individual who has submitted to the Fund an Affidavit of Domestic Partnership on a form provided by the Fund, along with supporting documentation, and who meets the criteria set forth in such Affidavit. Generally, for a partner to qualify, both the participant and his/her same-sex partner must acknowledge being in a committed relationship which has been in existence for at least six months. For more information, contact the Administrative Office. are not eligible for coverage unless you have legally adopted them or if you are considered the Step-Parent of your registered Same-Sex Domestic Partner's children under state law and you can provide documentation to the Fund Office.

Dependents Eligible for Coverage Required Documentation
Lawful Spouse A completed Dependent Enrollment Form   and a certified copy of your marriage certificate.
Same-Sex Domestic Partner All required documentation is outlined in the Same-Sex Domestic Partner Packet.

Dependent Children up to age 26

A completed Dependent Enrollment Form   and a copy of their birth certificate (if newborn a copy of the hospital birth record will suffice until you receive the official birth certificate).

Adoption/Guardianship A completed Dependent Enrollment Form   and a copy of the adoption/release papers, guardianship or placement papers issued by a court of law.
Mental and Physical Handicapped
Dependents age 26 and older
A completed Dependent Enrollment Form   and a completed Disability Application  along with any other proof of incapacity including medical records and a statement of financial support.
The Fund requires that you pay a dependent premium of $150 per quarter ($50 per month) to cover all of your eligible dependents. Your dependents must be added to your plan within 30 days of your coverage effective date (except in the instance of a life event (learn more). To add your dependent(s), simply complete the Dependent Enrollment Form , attach all required documentation and include payment for at least one quarter (3 months).


Disclaimer

NOTE: This is only a brief summary of your benefits. All benefit descriptions contained herein are governed by the limitations and other information contained in your SPD.

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800-227-7863

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