Your IBEW 440 Health Plan Benefits

Just like choosing the right tools for a job, you have important choices to make about your health and health care. With IBEW 440 health benefits, you have a choice of medical plans so that you can select the one that’s right for you and your family. You also have dental and vision coverage to take care of every aspect of your health.  

Eligibility For Health Benefits

Your eligibility for health benefits is based on a “skip month” system. You become eligible for coverage the first day of the second month following the month in which 260 hours have been reported and paid into your reserve account. These hours must be worked within six consecutive months. For example, if you worked a total of 260 hours between April and June, and these hours were reported and paid for by your employer by July, your eligibility would begin in August.

To maintain eligibility each month, the "cost" is 130 hours per month. If you have more than 130 hours reported and paid, the excess will go into your reserve account. Your reserve account can hold up to a maximum of 750 hours and acts like a bank. In months in which fewer than 130 hours are reported and paid on your behalf, the hours in your reserve account will be used to maintain coverage.