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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 Beverage and Brewery Local 67 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

Your weekly benefit is $154.00. Weekly benefits begin on the 1st day of an accident disability, 8th day of sickness and continue for a maximum of 26 weeks in accordance with the Schedule of Benefits during any one calendar year for a maximum of $4,004.

The weekly Loss of time Benefit is applicable to active participants only.

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 Beverage and Brewery Local 67 Health and 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: (301) 839-8800 to receive a form to apply for Weekly Disability benefits. After you and your physician complete the form, send it to the Beverage and Brewery Local 67 Health and Welfare Fund for processing.

Important Notice: This website provides only a brief explanation of the Health and Welfare Plan under the Beverage and Brewery Local 67 Health and Welfare Trust Fund. It is not a summary plan description. If there are any inconsistencies between this explanation and the Plan document, the Plan document shall control. Also, please refer to the Summary Plan Description for additional information about the benefits available and procedures of the Beverage and Brewery Local 67 Health and Welfare Trust Fund or contact the Welfare Fund Office.