Your insurance will cease as follows:
- The date the Group Master Policy is cancelled or terminated, or
- The last day of any month in which your employer ceases to make contributions on your behalf, or
- The last day of the month in which your hour bank does not contain a full monthly deduction, or
- The last day of any month in which you have made the maximum number of contributions under the “DIRECT PAYMENTS” option, but not beyond your attainment of age 65, or
- The last day of any month in which the Trust Fund has made 24 monthly contributions under the “FUND ASSISTANCE” provision, but not beyond your attainment of age 65, or
- The first of the month following the month in which you attain the benefit age limit which is set out in the “SUMMARY OF BENEFITS” sections of this website, or
- The date you cease to be in a class of persons who may be insured under this policy.
On termination of your coverage you may have the option to convert a portion of your Life Insurance coverage to an individual Life Insurance Policy. For more details please refer to the Description of Benefits, Member Life Insurance, and Conversion Privilege section of this website.
In the event that you are disabled, or if you die, some benefits may be extended to you or your dependents. Please refer to the specific benefit description sections under the Description of Benefits in this website.
Coverage for your dependents will terminate on the date such dependent ceases to meet the dependent eligibility requirements.
Reinstatement of Coverage
Your coverage will be reinstated after a period of termination when you have accumulated two monthly deductions in your hour bank. Your coverage is effective on the first day of the second month following that accumulation.
If you have been out of benefit for twelve consecutive months, you will be treated as a new Member and the Member Eligibility provisions will apply.