The 2012 collective bargaining agreement permits employees to receive a credit of up to $1,200 if their spouse opts out of the Transit Employees’ Health & Welfare Plan’s health insurance program. It can only be used as a credit against medical and dental benefit expenses incurred as a Participant in the Plan. You must elect the spousal credit option each year.
Up to $100 per month will be applied to reduce the cost of your medical and dental insurance. It cannot be applied to reduce the cost of any supplemental life insurance you may have elected or of any other voluntary benefit.
Your plan requires a monthly contribution of $80 toward single coverage and $208 toward family coverage. Here is how the credit will work:
This credit is available to employees and retirees, but cannot be combined with the employee opt-out payment. This credit is available only if the employee or retiree remains covered in the Transit Employees Health and Welfare program.
You can only elect the spousal credit option during the annual open enrollment period, usually in November of each year. It will be effective for your premiums for the following January 1st. Download the Spousal Credit form here.
If you have more questions, please contact the Health and Welfare Plan Office.
Each November, you have the option to change your benefit plan, add or remove dependents or add or change your supplemental life insurance option. You will receive an Enrollment Guide and a Statement of Benefits to help you make your benefits choices. This is the only time of the year you can make changes to your benefits choices, unless you experience a change in status.
To make changes, you’ll need to complete an Enrollment Form and submit it to the Plan Office. Your changes will be effective the following January 1. For more information, see the Enrollment section of the Open Enrollment page.