What do I do if I have moved?

The Fund Office requires your signature on any change of address request, to allow the Fund to make this change. This is for your protection, and only you can authorize this change. In addition, you will also need to notify your Union Office as the Fund Office does not share this information. Please note that if you change your address with your Union Office, you must still complete and submit a change of address form to the Fund Office. Change of Address Form.

I am getting married, what do I need to do?

The Fund Office will require you to complete and sign a new enrollment form to include your new spouse and any children or step children. Please note that the Fund Office will require certain information including a copy of your marriage certificate, your spouse’s and children’s birth certificate before benefits are payable under the Operating Engineers Health and Welfare Fund. Enrollment Form

What do I do if I am having a baby or need to add a dependent?

The Fund Office will require you to complete and sign a new enrollment form. Please note that the Fund Office will require certain information and documentation before benefits are payable under the Operating Engineers Health and Welfare Fund. For example, the Fund Office will require copies of birth certificates, adoption papers, marriage certificate/divorce decrees and other relevant documents to verify eligibility. Enrollment Form

I am getting divorced, what do I need to do?

It is your responsibility to notify the Fund Office within 60 days of a divorce or legal separation from your spouse. This notice must be provided in writing to the Fund Office. Failure to notify the Fund Office within 60 days of divorce may result in your spouse or former spouse losing the right to elect continuing coverage under COBRA. More importantly, you may be responsible for any benefits paid as a result of your failure to notify the Fund Office. In addition, you will want to review your beneficiary designations to ensure the designations on file align with your intentions. If a portion of your pension benefits has been assigned to your former spouse, you will need to obtain information from the Fund Office regarding completion of a Qualified Domestic Relations Order.

Why does the Fund Office require Members to provide personal documents like birth certificates and divorce decrees?

The Fund Office requires Members and their Dependents to provide birth certificates, adoption records, marriage licenses, divorce documents (including separation agreements), Qualified Medical Child Support Orders, Social Security documents and, proof of coverage termination from other plans to verify eligibility for benefits.

What does the Fund Office do to protect my privacy?

Federal and state laws provide stringent requirements for the Fund Office, its Trustees and its service vendors concerning use and disclosures of your personally identifiable "Protected Health Information." These laws prevent the Fund Office from sharing your personal information with third parties who are not involved in administering the Health Plan. This means that your information is not distributed or shared with your employer, your union or other third parties. See more information about the Plan's Privacy Practices.

How do I find a network doctor or hospital? How do I know if my doctor or hospital is in the network?

You may search for In-Network hospitals, walk-in clinics and urgent care centers at providerfinder.bluekc.com. You may also contact Blue KC Customer Service by calling the phone number printed on your Member ID Card.

What is the difference between network and non-network?

A Preferred Provider Organization (PPO) is a network of providers (known as in-network providers) that have been contracted to provide services at discounted rates. The discounted rates and the associated savings are the biggest difference between in-network and out-of-network providers. The Fund shares any network savings with you by reducing the amount that you owe for the services performed by in-network providers. In addition, for out-of-network providers, you are responsible for paying any amounts over the Plan’s reasonable and customary guidelines.

What is a deductible?

A deductible is the dollar amount of Covered Charges that you pay each year before the Plan pays any benefits. The Plan has Annual Deductibles which apply to each covered individual in a calendar year. For more information about Annual Deductibles refer to page 7 of the Summary Plan Description.

What happens when I or one of my dependents becomes eligible for Medicare?

Anytime you or your dependents enroll in Medicare, you must submit a copy of your Medicare Card to the Fund Office. If you are retired and you or your dependents become eligible for Medicare, the Medicare eligible person is required to enroll in Medicare Parts A and B. Upon verification of enrollment in Medicare Parts A and B, the retired participant (or dependent) premium is reduced. Retired participants under the Retiree Health and Welfare Plan, who are Medicare eligible will be treated as primary with Medicare and the Plan will pay in the secondary position.

What are my rights under the Plan?

As a Participant in Operating Engineers Local 101 Health and Welfare Plan you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). For example, ERISA provides that all Plan Participants shall be entitled to receive information about the Plan and the Benefits.

What do I do if I have moved?

You need to update your records with the Fund Office. The Fund Office requires your signature on any change of address request, to allow the Fund to make this change. This is for your protection, and only you can authorize this change. In addition, you will also need to notify your Union Office as the Fund Office does not share this information. Please note that if you change your address with your Union Office, you must still complete and submit a change of address form to the Fund Office.

What types of benefits are paid under the Pension Plan?

You become entitled to a benefit under the Plan when you become “vested” which means you have earned an irrevocable right to the Retirement benefits which he has earned. Generally, you become vested when you complete five years of Service. Credit is given for one year of Service for each Plan Year during which you work at least 200 hours in Covered Employment. Your years of Service may be impacted by breaks-in-service. Please note: Vesting Rules have changed over the years. For information regarding Service before January 1, 1997, please contact the Fund Office. If you have earned less than five years of Service, you have no vested rights and are not eligible to receive benefits under the Plan.

What is a Break-in-Service?

A Break-in-Service is a period of time where you have not worked enough hours of Service to earn credit in the Plan. A Break-in-Service occurs at the end of a Plan Year in which you have not worked at least 200 hours in Covered Employment. A Break-in-Service affects your participation in the Plan when your years of Service are less than the number of consecutive Breaks-in-Service. Please note: the Break-in-Service rules are different, depending on when the Break-in-Service occurred. For information regarding Service before January 1, 1997, please contact the Fund Office.

When am I eligible to begin receiving my pension benefit?

You can begin receiving your pension benefit when you meet the requirements for either Early Retirement or Normal Retirement under the Plan.

At what age do I reach Normal Retirement Age?

Normal Retirement Age means the date the you attain age 65 and complete five years of Service, whichever occurs later; or, attain age 62 and have completed 30 years of Service with a minimum of 500 hours of contributions during each year; or at any age and have completed 35 years of Service with a minimum of 500 hours of contributions during each year.

At what age can I take Early Retirement?

When you have completely retired from employment with all employers in the jurisdiction of the Fund may be eligible for an Early Retirement Benefit as young as age 57. Early Retirement benefits are a full retirement benefit which has been reduced to take into account the fact that you have commenced benefits earlier than your Normal Retirement Age.

The Early Retirement Benefit is based on the monthly Normal Retirement Benefit reduced in accordance with the following chart:

Age With 5 Years of ServiceAge With 30 Years Each With 500 HoursPercent of Normal Retirement Benefits
605775%
615880%
625985%
636090%
646195%

I am disabled; can I begin receiving a benefit from the Plan?

The Plan provides a Disability Benefit if you have suffered a Total and Permanent Disability and meet certain requirements under the Plan. To be eligible for the Disability Benefit, you must have earned at least five years of Service; and worked at least one hour in Covered Employment during the 12 consecutive month period immediately preceding the date you are deemed disabled by the Social Security Administration or the date established by the Trustees. Contact the Fund Office at 816-737-5959 for more information or to receive an application for Disability Benefits.

I am getting divorced, what do I need to do?

The Fund Office will require a complete copy of your divorce decree and settlement agreement. If a portion of your pension benefits has been assigned to your former spouse, you will have a Qualified Domestic Relations Order before the Plan can honor the assignment. The term “Qualified Domestic Relations Order” or (“QDRO”) means any judgment, decree or order (including approval of a property settlement agreement) relating to child support, alimony or property rights, which is made pursuant to a state Domestic Relations Law. A QDRO directs the Plan’s Administrator to direct payment of certain benefits to a spouse, former spouse, child or other beneficiary of a participant.

What do I do if I serve in the military?

Federal Law provides you with certain protections related to your benefits. You should contact the Fund Office 816-737-5959 or 888-272-5911 to discuss how your pension benefits and eligibility under the health and welfare plan are impacted by your period of uniformed service.

I have been denied a benefit under the Plan; what should I do?

If you have received notice that a claim for benefits has been wholly or partially denied, you shall have 60 days following receipt of such notification within which to appeal the determination. In order to submit an appeal, you must submit a written request for review to the Board of Trustees, stating your reason why you believe the denial should be overturned. This request should be sent to the Board of Trustees; c/o the Fund Administrator; 6601 Winchester, Suite 250, Kansas City, Missouri 64133. The Board of Trustees will make all appeals decisions, and the Board’s decision on appeal is final and binding, and can be overturned by a Court only if it is arbitrary and capricious, and not if the Court simply would have made a different determination in the first instance. Please Note: Federal Law and the Plan provide you with special rights following a denial of benefits.

Why does the Fund Office require Members to provide personal documents like birth certificates and divorce decrees?

The Fund Office requires Members and their Dependents to provide birth certificates, adoption records, marriage licenses, divorce documents (including separation agreements), Qualified Medical Child Support Orders, Social Security documents and, Certificates of Creditable Coverage from other plans to verify eligibility for benefits.

What does the Fund Office do to protect my privacy?

Federal and state laws provide stringent requirements for the Fund Office, its Trustees and its service vendors concerning use and disclosures of your information. The Fund Office follows the same stringent requirements for your pension information as it does for information related to health plan participants under relevant laws.

What are my rights under the Plan?

As a Participant in Operating Engineers Local 101 Pension Fund you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). For example, ERISA provides that all Plan Participants shall be entitled to receive information about the Plan and the Benefits.