Page 6 - 2013 Adv1FCU Health and Welfare SPD

Plan Overview

The Plan provides benefits to eligible employees and their dependents through each Benefit
Program listed in Appendix A. These benefits are fully-insured and are payable solely by the
Insurer listed for the respective Benefit Program.

Your Eligibility
You are eligible for the Benefit Program(s) shown in Appendix A if you are a full-time active
employee normally scheduled to work 37.5 hours per week.
Union employees are eligible for coverage if your benefits are covered under the terms of the
collective bargaining agreement between the Employer and the United Steelworkers of America,
District 2 - Local No: 2659.

The following individuals are not eligible for benefits: employees of a temporary or staffing firm,
payroll agency, or leasing organization, contract employees, part-time employees, persons hired
on a seasonal or temporary basis, and other individuals who are not on the Employer payroll, as
determined by the Employer, without regard to any court or agency decision determining
common-law employment status.

Eligible Dependents
The definition of eligible dependents and other provisions, such as whether you may enroll your
eligible dependents in a Benefit Program, are defined in the insurance certificates for each
Benefit Program. Those provisions, and the definition of a dependent for each Benefit Program,
are incorporated by reference herein.
Unless otherwise defined by the insurance certificate for a Benefit Program, your eligible
dependents include:
 your legal spouse (as defined by Federal law);
 your legal spouse (as determined by state law);

 your child under age 26 regardless of financial dependency, residency with you, marital
status, or student status;
 your unmarried child of any age who is principally supported by you and who is not
capable of self-support due to a physical or mental disability that began while the child
was covered by the Plan;
“Principally supported by you” means that the child is dependent on you for more than one-half
of his or her support, as defined by Code Section 152 of the Internal Revenue Code.
For purposes of the Plan, your child includes:

 your biological child;
 your legally adopted child (including any child under age 18 placed in the home during a
probationary period in anticipation of the adoption where there is a legal obligation for
support);
 a step child as long as you are married to the child’s natural parent;
 a child for whom you are the court-appointed legal guardian;

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