The Plan coordinates benefits with Medicare.

This Plan is the primary plan responsible for payment of your benefits and your Dependents’ benefits if you are an eligible Active Employee. This means that if you are an Active Employee and you are also covered by Medicare, when you or your Dependents incur covered medical expenses, the Plan will pay benefits first and then Medicare will determine what benefits it will pay of the remaining expense not covered by the Fund.

Keep in mind that when you retire, your coverage under the Sheet Metal Workers’ Local 73 Welfare Fund Plan C for Active Members ends and you will be able to continue coverage only through COBRA, if you are eligible. If you are eligible for Medicare when you retire, you should enroll in Medicare, which will then cover your eligible medical expenses. You may contact the Fund Office if you have any questions regarding your coverage under the Plan.