 |
|
|
Home > Health Plan > Weekly Disability Benefit
Weekly Disability Benefit
If you become disabled from an accident or illness and are unable to work, the loss of your income could cause serious financial hardship for you and your family. Your Teamsters Health and Welfare Fund Weekly Disability Benefits are designed to provide you with a weekly benefit during your disability. Maternity is considered an eligible disability for weekly disability benefits for the duration that is deemed medically necessary by your physician.
Plan Benefits
FULL TIME: Increased from $350.00 to $450.00 for members whose company contribution is equal to or higher than the United Parcel Service Health & Welfare rate of contribution at the time of your claim. New claims only for Date of injury / Illness as of May 1,2003 or later.
PART TIME: Increased from $175.00 to $200.00 for members whose company contribution is equal to or higher than the United Parcel Service Health & Welfare rate of contribution at the time of your claim. New claims only for Date of injury / Illness as of May 1,2003 or later.
June 1, 2000 the Weekly Disability Plan pays you a weekly benefit of $350.00 for full–time employees and $175.00 for part–time employees for up to 39 weeks of a non–work related disability that prevents you from working. You do not need to be confined to your home to receive benefits, but you must be under a physician’s care.
| Daily Weekly Income Benefits Commence |
Injury 1st Day |
Illness 8th Day |
 |
| Maximum Benefit Period |
39 Weeks |
|
|
Definitions
"Disabled" or "Disability" means you are not able to perform the duties of your occupation.
"Injury" means accidental bodily injury sustained while insured.
"Sickness" means illness or pregnancy, which begins while insured.
Recurrent Disability - A recurrent disability will be part of the prior period of disability.
A disability is recurrent if:
- It is due to the same cause as the prior disability, or a related cause, and you have not returned to work for the employer fulltime and worked 2 full weeks; or
- It is due to an unrelated cause and you have not returned to work for the employer full–time and worked for 1 full day. Exclusion: No benefits will be paid for any period:
- You are not treated by a doctor; or
- You work for wages or profit
No benefits will be paid for any disability, which is covered by a state or federal workers’ compensation law or similar law, or would be covered if a claim were made.
If You Are Eligible For No–fault Insurance
If you are involved in an accident and are eligible to receive no–fault insurance payments, you will not receive disability benefits for any week in which you also receive no–fault insurance payments.
However, if you reach the $8,000 no–fault limit before your 39th week of disability, you will receive disability benefit payments for the remainder of the 39th week period.
Coordinating Benefits for Car Accident
If you or your dependent is involved in a automobile accident covered by a no fault insurance carrier, initially the no-fault insurance carrier will be liable for medical expenses and weekly disability benefits up to the first $8,000 of expenses related to the accident, as required by law.
Following the payment of the $8,000, the Teamsters Local 170 Health & Welfare Fund will be liable for any eligible charges or expenses covered by your medical plan. The Fund will also be liable for weekly disability benefits.
Reimbursement
The Fund must be repaid out of any proceeds you or your dependent received from the other party if:
- Benefits are paid under this Fund; and
- You or your dependent has a claim against another party who may be responsible or liable for the cost of benefits paid by the Fund.
The amount due to the Fund must be paid in full without any reduction for attorney’s fees or costs. If the Fund must take legal action against you or your dependent who doesn’t repay the Fund, you or your dependent Will be liable for all collection costs, including reasonable attorney’s fees.
No payment for any benefit is due or payable unless you or your dependent signs a reimbursement agreement on a form approved by the Board of Trustees. If you or your dependent does not reimburse the Fund from proceeds received from a third party, the Fund has the right to withhold future benefits equal to the amount due plus interest.
Disabilities Not Covered
Disability benefits are not payable for any disability that is work related or any disability for which you are entitled to benefits under any workers’ compensation or occupational disease law or any similar law.
Filing a Claim For Weekly Disability Benefits
Call the Fund Office at the telephone number listed under the Health and Welfare Fund Telephone Listings to receive a form to apply for Weekly Disability benefits. After you and your physician complete the form, send it to the Teamster’s Health and Welfare Fund Office for processing.
|
|
