Category Archives: Health & Welfare

H&W: How Does the Taft-Hartley Act Affect My Union-Sponsored Health Plan?

The Taft-Hartley Act of 1947, along with the Wagner Act, enacted 12 years prior as part of the “New Deal,” laid the foundation for the current collective bargaining process as it relates to the formation, funding and administration of employee benefit plans. But, the way in which Taft-Hartley achieved this goal was not in a pro-union manner. Continue reading

H&W: 2020 Health and Life Insurance Eligibility

Professional Musicians and Employers’ Health & Welfare Fund:

Eligibility & Enrollment Information

Please watch your mailbox as the Fund will be mailing Eligibility and Enrollment information to eligible participants in approximately mid-November of this year. The Fund will mail enrollment materials to the participant’s last address on file with the Fund’s Administrative Office, so please ensure that the Fund has your most up-to-date address information. Continue reading

H&W: What’s New in 2020

Changes Ahead For Life/Dental/Vision Coverages

The Board of Trustees of the Professional Musicians, Local 47 and Employers’ Health & Welfare Fund (the “Fund”) is committed to providing the best health insurance delivery and cost platforms available to the Fund’s participants. In furtherance of that goal, and as reviewed in this article, the Fund has modified its benefit plan menu with reference to the Fund’s Life Insurance, Dental Insurance and Vision Insurance Plans. Continue reading

H&W: 2020 Participant Eligibility Level Reduced to $700; Monthly Co-Premium Payment Reduced

2020 PARTICIPANT ELIGIBILITY LEVELS

Commencing with the January 1, 2020, coverage year, the minimum initial eligibility threshold to qualify for enrollment in medical plans sponsored by the Professional Musicians, Local 47 and Employers’ Health & Welfare Fund (the “Fund”) will be reduced to $700 in Employer contributions. Thus, effective with the current Qualifying Period — October 2, 2018 through October 3, 2019 — the amount of Employer contributions necessary for eligibility at the Fund’s “C Level” of coverage/benefits shall be $700 (including any available permissible carry-forwards from the 2017/2018 Qualifying Year). Continue reading

H&W: Employee Reporting Procedure

Professional Musicians and Employers’ Health & Welfare Fund:

In order to ensure that all Employer contributions are properly and timely received and recorded by the Fund, each Participant is responsible for notifying the Fund of engagements they have performed (including date and location) and for which Employer contributions are due to the Fund. Employer contributions that are not received at the close of the Qualifying Period are not “timely,” and will generally not be applied to that Qualifying Period (they are applied prospectively to the next Qualifying Period). Continue reading

H&W: The Facts About Sleep Apnea

Sleep is supposed to be a rejuvenating experience. But this isn’t so if you have sleep apnea, a condition that causes you to stop breathing over and over during sleep.

The majority of people with sleep apnea don’t even realize they have it. But if you suffer from this disorder, you may have been told that you snore loudly and gasp for air when sleeping. And you may be extremely sleepy during the day and have trouble concentrating. Continue reading

H&W: Important Notice on Changes to 2020 Participant Eligibility Levels and Monthly Co-Premium Payments

Professional Musicians & Employers’ Health & Welfare Fund:

CHANGES TO 2020 PARTICIPANT ELIGIBILITY LEVELS

Commencing with the Jan. 1, 2020, coverage year, the minimum initial eligibility threshold to qualify for enrollment in medical plans sponsored by the Professional Musicians, Local 47 and Employers’ Health & Welfare Fund (the “Fund”) will be reduced to $700 in Employer contributions. Thus, effective with the current Qualifying Period — Oct. 2, 2018 through Oct. 3, 2019 — the amount of Employer contributions necessary for eligibility at the Fund’s “C Level” of coverage/benefits shall be $700 (including any available permissible carry-forwards from the 2017/2018 Qualifying Year). Continue reading

Women’s Health and Cancer Rights Act of 1988 (WHCRA) & Newborn and Mothers Health Protection Act of 1996 (NMHPA)

Professional Musicians & Employer’s Health & Welfare Fund:

Reconstructive Surgery Fully Covered After Mastectomy

WOMEN’S HEALTH AND CANCER RIGHTS ACT OF 1998

The Professional Musicians Local 47 and Employers Health & Welfare Fund (“the Fund”) provides you with this notice as required by the Women’s Health and Cancer Rights Act of 1988 (WHCRA).

In compliance with WHCRA, the insurers contracted with by the Fund (Kaiser and Blue Shield) provide benefits for mastectomy-related services, including all stages of reconstruction and surgery to achieve symmetry between the breasts, prostheses, and for complications resulting from a mastectomy, including lymph edemas. Continue reading

H&W: Eligibility and Enrollment Mailings Begin in November

HAVE YOU HAD A CHANGE OF ADDRESS?

The Professional Musicians Local 47 and Employers’ Health & Welfare Fund (“Fund”) will soon be determining eligibility for benefit coverage effective January 1, 2019. Important Contribution and enrollment information will be mailed out by the Fund; if you don’t complete and return this information on a timely basis it could negatively affect your ability to enroll or qualify for coverage with the Fund. If you have moved within the past year or you are new to the Health and Welfare enrollment process, PLEASE verify your address with the Fund’s administrative office. Continue reading