Benefits for Pre-Medicare Retirees

Schedule of Benefits for Locals 111, 112, 393, 444 

Schedule of Benefits for Local 380

Health Benefits

The Comprehensive Medical Benefit covers a wide range of medical expenses and provides financial protection when you and your family need medical care.

Both the Active and Pre-Medicare Retiree Plans of Benefits work similarly. Generally, after you pay an individual deductible (up to a family limit), the Plan and you share the cost of medical expenses. The Plan pays:

  • A percentage of the network charges or the allowable charges for non-network providers. Once your out-of-pocket expenses reach the annual limit, the Plan will then pay 100% for any additional network expenses for that year.
  • Benefits up to any annual or lifetime limits.
  • Wellness Benefits, such as physicals, without a deductible, at 100%.

For more information, including your deductibles, the percentages the Plan pays and annual limits, refer to the section titled Your Medical Benefits of your Summary Plan Description (SPD).

Your Prescription Drug Benefit features a retail pharmacy program and a mail-order program. The retail pharmacy program is for short-term prescriptions (up to a 34-day supply). The mail-order program is for long-term prescriptions (up to a 90-day supply).

For more information on this benefit, see the section titled The Prescription Drug Benefit of your Summary Plan Description (SPD).

The Dental Expense Benefit will pay a percentage of covered expenses depending on the type of services you receive. The percentages are as follows:

Preventative and Diagnostic 100%
Restorative and Prosthodontics 80%
Orthodontic 60%

Benefits are paid each year up to the individual annual maximum of $1,000. This maximum does not apply to preventive services for children under the age of 19. Benefits for Orthodontic services are paid up to the lifetime orthodontic maximum of $1,000, and are only available to covered Dependents under age 19. See the section titled Dental Expense Benefit (if shown on your schedule of benefits) of your Summary Plan Description (SPD) for more information.

When you use VSP providers (in-network), many of your services are provided at no cost to you. Even when you go to a non-VSP provider (out-of-network), you will continue to receive the $200 per person annual allowance.

See the section titled Vision Care Benefit (If Shown On Your Schedule of Benefits) of your Summary Plan Description (SPD) for more information.


© Iron Workers Tri-State Welfare Fund. The information on this Web site presents selected highlights of the Iron Workers Tri-State Welfare Fund. The actual Plan provisions of the Plan are in the Plan’s legal document. In the event of a conflict between the wording on the site and the legal documents, the legal documents will govern. The Trustees reserve the right to amend, modify, or discontinue all or part of the Plan at any time.