Understanding Your Coverage
Here you will find a clear overview of how your insurance coverage works and what to expect as a participating member.
It explains who qualifies for coverage, when eligibility begins, and the circumstances that can affect your benefits over time. Whether you’re a new member learning when your plan starts or an existing member reviewing ongoing eligibility, this section helps ensure you understand how your coverage is established and maintained.
You’ll also find information about important provisions such as the Waiver of Premium, which outlines how your coverage can remain in place if you become unable to work due to illness or injury. This protection helps safeguard your benefits during difficult periods without requiring premium payments. A supporting Glossary defines key terms used throughout the plan, making it easier to interpret your coverage, navigate documentation, and feel confident about how your benefits apply in real-world situations.
