Memorandum:  Started mailing March 04, 2023

NECA Local No. 145 IBEW Welfare Plan is required by a provision under the Affordable Care Act (ACA) to offer open enrollment for the plan year 2023.  Please read this memorandum carefully since it affects your coverage by the Welfare Plan.  Please note that some of you are not participants in the HRA or dental plan so those two items will not apply to you.

Open Enrollment Period.  The Plan’s open enrollment period will run from March 4, 2023 through March 31, 2023.  If you wish to enroll any eligible spouse or dependent who are not currently covered, but meet the Plan’s eligibility requirements, this is the only way to enroll them.  Please call the Benefits Office and we will send you the required forms.  This information must be completed and returned to the Benefits office no later than March 31, 2023, otherwise you will not be able to make these changes until next year.

If you do not enroll any eligible spouse/dependent(s) during this open enrollment period, they cannot be enrolled until next year’s Open Enrollment Period, or you experience an event that results in the opportunity for a Special Enrollment.  These events are:

  1. Loss of other coverage due to termination of employment, reduction in work hours, death, divorce, or legal separation (proof of loss of other coverage must be submitted).
  2. Gaining a dependent through marriage, birth, adoption, or placement for adoption (proof must be submitted).

These events constitute a Special Enrollment period.  The Benefits Office must be notified within 31 days after the event in order to enroll that dependent to your plan.

Opportunity to Withdraw from HRA, Dental and Vision Coverage. Please read the enclosed form carefully.  You do not need to return this form if you wish to maintain your HRA, dental and vision coverage.  If you currently do not have these benefits, you do not need to return the form.  For anyone who currently has these benefits and wish to decline these coverages, the form needs to be returned by March 31, 2023.

Summary of Benefits and Coverage: This is a summary of your current plan provisions for the upcoming plan year 2023 – 2024.