Insurance Frequently Asked Questions


Following is a list of some of the most frequently asked questions regarding your insurance benefits.  Please refer to the OLDC-OCA Insurance Fund’s Summary Plan Description (SPD) for a more detailed explanation of all of your insurance benefits.


  • When will I be eligible for insurance benefits?

  • How do I maintain my insurance coverage?

  • I lost my insurance eligibility, how do I re-establish my insurance coverage/eligibility through working hours?

  • Why did I receive a bill for my insurance?

  • Why do I owe so much money to maintain my insurance coverage?

  • Do I have a death benefit from the Insurance Fund?

  • Why was my claim not paid?

  • Why is my ex-spouse (and/or step children) still on my insurance?

  • What if I have a new mailing address?

  • How long are my dependents eligible to have health insurance?

  • What are my total hours?

  • How do I enroll a newborn or dependent child?

  • Why must I complete a Coordination of Benefits form and what is it for?

  • Can I cancel my insurance, but keep a dependent on the plan?

  • When I retire, how will my insurance work and how much will it cost?

  • I am turning age 65 and will be starting Medicare. How will this affect my retiree insurance?

  • How do I get a Letter of Creditable Coverage?

  • Can I add my girlfriend/boyfriend to my insurance coverage?

  • I am going to the hospital; does my stay have to be pre-certified?

  • Does the Fund cover substance abuse and alcoholism treatments?

  • If I die, can my spouse continue his/her insurance coverage?

  • What Short Term Disability benefits are available?

  • ​I have been working out of state; why is my health insurance canceling?