Employee Benefit Trust


Life, Long-Term Disability insurance & Employee Assistance Programs

Please note: The following is a brief summary of the participation and eligibility requirements of the life, long-term disability (LTD), and employee assistance program (EAP) coverages.

Final interpretation of any provision is governed by the master contract. Please consult your benefit booklet or contact the AWC Trust for complete information on the programs, their rules and requirements.

Participation requirements

  • There is no open enrollment on these programs.
  • 100% enrollment of all eligible employees is required.
  • A member employer may enroll employee groups (i.e., bargaining unit, department, etc.); however, the group must consist of at least five (5) employees.
  • Seasonal employees are not eligible to enroll on life insurance or long-term disability.
  • Dependents are not eligible to enroll on long-term disability.
  • LEOFF I retirees are not eligible to enroll on active life or EAP buy-up programs.

General participation requirements

General participation requirements see all the Trust’s participation requirements.

Dependents

Find out the dependent eligibility requirements, what happens when a dependent loses other coverage, and when and how “newly acquired dependents” (spouses, registered domestic partners, stepchildren, newborns and adopted children) can be added to coverage.

Special rules

Employee Assistance Program

Employers can purchase EAP coverage for temporary employees.

Long-Term Disability

For groups over 49 lives, employee contributions are allowed. However, 75% of the eligible employees must be enrolled in the plan.

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