The Midwest Operating Engineers Welfare Fund is designed to help members and their eligible dependents afford proper health care. The Fund also provides members with disability, life, and accident coverage. Contributing employers pay the full cost of the Fund and make all contributions. Employee contributions are neither required nor allowed (except for self-payments and COBRA payments). Employer contributions are based on the rate(s) specified in applicable collective bargaining agreements.
If you work under the jurisdiction of Operating Engineers Local 150 and your employer contributes to the Fund on your behalf, you are eligible for Plan benefits in a benefit quarter if you work at least 300 hours in the corresponding contribution quarter. Click here for more information on Eligibility.
If you need to add a dependent (spouse or child), please complete the Dependent Enrollment Form. You and either drop off the completed form at the Fund Office or mail it to the Fund Office. If your dependent no longer meets the definition of a dependent, for example if you divorce or your child reaches the limiting age, you have up to 60 days following the event to notify the Fund Office in writing of the status change. If you do not notify the Fund Office in 60 days, your dependent may not be eligible for COBRA continuation coverage.
You can visit any doctor or hospital. However, the Plan offers a Preferred Provider Organization (PPO) network of doctors and hospitals through BCBS. You can save money by using a network provider because network providers have agreed to charge negotiated rates. If you go to a network provider, the Plan pays a higher percentage of a lower amount than if you go to a non-network provider. If you use a non-network provider, the Plan pays a percentage of the reasonable and customary amount. The Fund’s medical coverage can help you and your family get and stay well. For most medical benefits, here’s how the Plan’s medical benefits work:
The Plan covers prescription drugs. Go to the Pharmacy Benefit page and learn more about the Fund’s prescription drug benefits.
The Plan covers dental expenses. Effective April 1, 2016 the dental provider changed to Delta Dental of Illinois. For updated information regarding your dental coverage, click here.
If you are an active employee covered under the Fund and are unable to work due to a nonoccupational illness or injury for more than eight consecutive days, you may receive up to $250 a week from the Plan less any federal taxes. To submit a claim, please contact the Fund Office to receive a Member’s Disability Benefit Application form. For more information, click here.
If you are an active employee covered under the Fund, the Plan provides a basic death benefit to your beneficiary if you die or to you if one of your dependents dies. Be sure your beneficiary designation is up-to-date. To change your beneficiary, contact the Fund Office to obtain a Beneficiary Designation form; upon completion, return it to the Fund Office. If you need to make a claim, call the Fund Office. For more information, click here.
If you are an active employee covered under the Fund, the Plan pays you $1,000 to $5,000 if you are seriously injured in an accident. The amount depends on the severity of the accidental loss. Call the Fund Office if you need to make a claim. For more information, click here.
The Midwest Operating Engineers Welfare Fund (the “Plan”) is required by law to take reasonable steps to ensure the privacy of your personally identifiable health information. For more information about your privacy rights, click here.