OPEN ENROLLMENT 2025

Memorandum:  Started mailing March 04, 2025

The 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 2025.  Please read this memorandum carefully since it affects your coverage by the Welfare Plan.

• Open Enrollment Period – The Plan is having an open enrollment period from March 04, 2025 through March 31, 2025, in order to provide you the opportunity to enroll any eligible spouses or dependents who are not currently covered, but do meet the Plan’s eligibility requirements. You will need to call the Benefits Office and we will send you a packet which will include the Verification Form for your use in providing the information required to add the eligible person to the Plan.  A Summary of Benefits and Coverage will be enclosed for your information.  The Plan reserves the right to request verification of eligibility (e.g., marriage license, birth certificate, etc.).  In order to enroll any eligible spouse or dependent you must sign and date the form, and return it to the Benefits Office NO LATER THAN THURSDAY, MARCH 31, 2025.  If this form is not returned by the due date you will NOT be able to enroll a spouse and/or any dependents during the 2025 open enrollment period.   

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).

In order to enroll after one of these events, the Benefits Office must be notified within 31 days after the event.