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Health & Welfare Summary Plan Document Pension Summary Plan Document
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Road Carriers Local 707 is currently in the process of revising our summary plan documents. We are sorry if this has caused any inconvenience. If you have any questions concerning your plan benefits please call the Fund office at 516-560-8500.

The Plan "A" summary plan document has been completed. Just click the link below to view.

http://www.roadcarriers707.com/forms/planaspdp.pdf

 

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Choose your employer from the drop down menu to view your Pension Summary Plan Document.

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Pension and Retirement Forms

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HIPAA privacy notice, HIPAA Authorization form and other miscellaneous forms.

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June 2006 July 2005 June 2004 June 2003
June 2002 May 2001 July 2000  

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Pension Fund Updates

Pension Update November 2004 Pension 204H Notice Pensioner Special Provision To Opt Out of Medical Notice

 

 

 

 

 

 

 

 

 


Empire Blue Cross/Non HMO Express Scripts
Empire /HMO
DavisVision Optical
DDS Dental

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Teamsters Local 707 Website Web MD
International Brotherhood of Teamsters Website Mayo Clinic
Social Security Online

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Generic Drugs, Pension, Eligibility, Medical and COBRA.
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RX Questions:
What are generic drugs?Expand/Close

A generic drug is a copy that is the same as a brand-name drug in dosage, safety, strength, how it is taken, quality, performance and intended use.

Are generic drugs as safe as brand-name drugs?Expand/Close

Yes. FDA requires that all drugs be safe and effective.
Since generics use the same active ingredients and are shown to work the same way in the body, they have the same risks and benefits as their brand-name counterparts.

Are generic drugs as strong as brand-name drugs?Expand/Close

Yes. FDA requires generic drugs to have the same quality, strength, purity and stability as brand-name drugs.

Do generic drugs take longer to work in the body? Expand/Close

No. Generic drugs work in the same way and in the same amount of time as brand-name drugs?

Why are generic drugs less expensive?Expand/Close

Generic drugs are less expensive because generic manufacturers don't have the investment costs of the developer of a new drug. New drugs are developed under patent protection. The patent protects the investment - including research, development, marketing, and promotion - by giving the company the sole right to the drug while it is in effect. As patents near expiration, manufacturers can apply to the FDA to sell generic versions. Because those manufacturers do not have the same development costs, they can sell their product at substantial discounts. Also once generic drugs are approved, there is greater competition, which keeps the price down. Today, almost half of all prescriptions are filled with generic drugs.

Does every brand-name drug have a generic counterpart?Expand/Close

No. Brand-name drugs are generally given patent protection for 20 years from the date of submission of the patent. This provides protection for the innovator who lays out the initial costs (including research, development and marketing expenses) to develop the new drug. However. when the patent expires, other drug companies can introduce competitive generic versions, but only after they have been thoroughly tested by the manufacturer and approved by the FDA.

What is the best source of information about generic drugs?Expand/Close

Contact your physician or pharmacist for information on your generic drug. You can also visit the FDA website at
www.fda.gov/cder/ogd/index.htm for more information.

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Pension Questions:

Do credits from another local count towards my pension when I retire?Expand/Close

If the other local union is
signatory to an agreement with the Road Carriers Local 707 Pension Fund..

What is the earliest I can collect a pension from Local 707?Expand/Close

When you have accumulated 15 pension credits and are 55 years old; or after 5 years and age 65.

You may retire at
any age if you have at least with at least 25 years of combined service.  Refer to SPD for complete details.

When is the earliest I can retire with medical benefits?Expand/Close

After you have accumulated 18 years of credit with 707 and
a total of 25 years combined. For those retiring after November 1, 2002 you must also be eligible for welfare benefits in the eight quarters immediately prior to your retirement.

How much does retiree medical coverage cost?Expand/Close

If you are a retiree that is eligible for medical coverage, your monthly medical co-pay amount would be based on your age, effective date of retirement and whether you choose single or couple coverage.

What death benefits are available as a pensioner?Expand/Close

You can choose a death benefit of $2,500 in lieu of medical coverage (see above) or if you work at least 22 ˝ years with Local 707 out of a total of 30 years, you may choose a $10,000 death benefit in lieu of medical benefits.

When should I submit an application for retirement?Expand/Close

60-90 days prior to your anticipated retirement date.

When I retire, will I be eligible to receive rate increases that are approved for the active members?Expand/Close

No, only those rate increases that are approved for retirees.

Do pensioners get automatic cost of living increases?Expand/Close

There are no automatic increases. In the past, the Trustees have provided increases when the fiscal condition of the Fund permitted. There is no guarantee that there will be future increases.

After I retire, could I work and still receive my pension?Expand/Close

Refer to the Prohibitive Employment section of the Pension Plan SPD.

How do I find out if I have incurred a break in service?Expand/Close

Request a Pension Credit Statement from a Pension Department representative.

If I am only entitled to a small pension, can I receive it in a lump sum payment?Expand/Close

If the present actuarial value is less than $5,000 the Fund may elect to pay your benefit in a lump sum.

What day are pension checks mailed?Expand/Close

Checks are mailed the last business day of the month.

How do I sign up for direct deposit?Expand/Close

Request a form from the Pension Department or print a form from the "Forms" section of this site. Submit the form to the Pension Department along with the requested documentation.

How do I get tax withheld from my pension check?Expand/Close

Request a form from the Pension Department or print a form from the "Forms" section of this site. Submit the form to the Pension Department along with the requested documentation. 

I have not received my pension check this month. How do I get another check?Expand/Close

After the 15th of the month, you may request a replacement check from the Pension Department.

My spouse or other relative has died, what happens to the pension benefit: 
Can I keep the last check I received?
Expand/Close

Pension payments shall end the month that the pensioner deceases. You may keep the check that was received for that month.

My direct deposit has not been received by my bank. What should I do?Expand/Close

Contact the Pension Department after the 1st of the current month.

When will I receive the 13th check?Expand/Close

On or about December 15th of each year if you retired on or before December 1st of the current year.

I have moved and have to put in a change of address. What is the procedure?Expand/Close

Submit a change of address form to the Fund Office. You can print one from this site or request one from the Fund Office.

My bank has changed. I need a new direct deposit form.Expand/Close

You can request a form from the Pension Department or print one from this site.

How do I change my named beneficiary?Expand/Close

Request a new beneficiary form from the the Pension Department or print one from this site. Submit the completed form to the Pension Department.

When do my active medical benefits run out and when do my pension medical 
benefits start?
Expand/Close

Refer to the Welfare SPD for details.

I lost my medical ID card. How do I obtain another one?Expand/Close

Contact the Fund Office.

Are there any medical benefits available to retirees over age 65?Expand/Close

No, but we have arranged for you to purchase prescription drugs, eyeglasses and dental services at special discounted rates.

I am now responsible for all business matters for my spouse or relative. How do 
I add my name to the pension records?
Expand/Close

You must submit Power of Attorney for review.

When will the 1099 tax forms be mailed out?Expand/Close

Each year on or about January 25th.

How are pension benefits calculated after January 1st 2005?Expand/Close

Refer to the document below for a thorough explanation of the way benefits are calculated.
Pension 204h Notice

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Eligibility Questions:

How do I add a spouse to my coverage?Expand/Close

Submit a copy of your marriage certificate to the Fund Office.

How do I add a new baby or dependent to my coverage?Expand/Close

Submit a copy of the baby’s or dependent child's birth certificate to the Fund Office.

I want to remove my spouse from my coverage. What do I need?Expand/Close

Submit a copy of your divorce decree to the Fund Office.

My child is over age 19 and is a full time student. Can my child still qualify for benefits?Expand/Close

Yes, if you submit a copy of the child's birth certificate and a letter from the school stating he/she is a full time student earning 12 or more credits. A letter from the school must be submitted every semester/trimester to the Fund Office.

My child is 19 but physically/mentally disabled. How can I keep him/her on my coverage?Expand/Close

We will send you an Extension of Benefits package to be filled out by yourself and your child's doctor. The complete package must be submitted to the Fund Office for review and determination.

I’ve moved and would like to give you my new address. What should I do?Expand/Close

Print a change of address form from this site or request a form from the Fund Office. Submit the signed form to the Fund Office.

I would like to change my beneficiaries. What should I do?Expand/Close

Print a change of beneficiary form from this site or request a form from the Fund Office.

I’m a new member and did not receive an eligibility card. Why?Expand/Close

You must submit a completed enrollment card and pertinent documentation before we can enroll you in the Plan. You can print a card from this site or request a card from the Fund Office. Submit a completed card to the Fund Office.

What do I do if I lose my eligibility card or if my wallet is stolen?Expand/Close

Upon request, the Fund Office will order you a new eligibility and prescription card. It will take approximately 10 working days for you to receive your card from Express Scripts. The eligibility and prescription card are now one and the same.

I am collecting a weekly workers compensation benefit. What do I have to do to maintain my medical coverage?Expand/Close

Send copies of your compensation check stubs for the previous qualifying quarter to the Fund Office.

How long will I be covered on compensation?Expand/Close

You are entitled to a maximum of 8 quarters in a five-year period. Refer to the Welfare Fund SPD.

How do you calculate my credits for the quarter when I am on compensation?Expand/Close

We credit you for up to two eight hour days for each week that you collect a weekly loss of time benefit from worker's compensation.

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Medical Questions: 
The following questions relate to those participants covered in a
Non HMO Plan. If you are enrolled in an HMO, contact your HMO for referral procedures.

Do I need to notify Local 707 if I go to the emergency room are treated and released?Expand/Close

No, but if you are admitted to the hospital, contact Blue Cross at 1-800-553-9603

How many visits am I allowed for Physical Therapy?Expand/Close

24 visits for Physical Therapy per plan year. A plan year is September 1st - August 31st

Do I need a referral to go to a specialist?Expand/Close

No referrals are necessary.

I need to find an Empire Blue Cross (Non HMO plan) provider. How can I locate a provider?Expand/Close

Call Empire at: 1-800-676-BLUE (2583)
Or visit their website at www.
BCBS.com

I need information on my dental plan or need to find a dentist.Expand/Close

Contact DDS – 1-800-283-9374 or visit their website at www.ddsinc.net

I need glasses or contacts or would like to have an annual eye exam.Expand/Close

Contact Davis Vision.

Am I allowed a routine physical?Expand/Close

Yes – 1 physical per plan year

Can I get a 90-day supply of my Rx through my pharmacy?Expand/Close

You can get up to a 34-day supply only through a pharmacy. You must mail your prescription to the Teamsters Care Pharmacy for 90 day supplies.

Do I need authorization for an MRI/CAT Scan?Expand/Close

No.

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COBRA Questions:

When is my COBRA payment due?Expand/Close

We need to receive your payment by the 1st day of the month for coverage for that month.

Who should I make my check out to?Expand/Close

Make your COBRA payment payable to: Road Carriers Local 707.

Do I receive a bill for COBRA?Expand/Close

No. It is your responsibility to make timely payments. Your cancelled check is your receipt.

How long do I have to elect COBRA if I just got divorced?Expand/Close

When divorced, you have 60 days (only) from the date of divorce to be able to elect COBRA.

What happens to my life insurance when my coverage terminates?Expand/Close

You have the option of converting over to an individual life insurance plan. You have only 31 days from your termination date to convert. Call the Fund Office. Refer to the Life Insurance section of the Welfare SPD for information regarding conversion privileges.

What would cause me to have an early termination of my COBRA coverage?Expand/Close

a) If you become entitled for Medicare benefits.
b) If you become covered under another health plan that has no exclusions or limitations for your pre-existing conditions.
c) The Fund ceases to provide any group health coverage for participants.
d) Any required premium is not paid in full on time.

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