Most benefit options require a monthly contribution from you to help pay the cost of the benefit. If you are an active employee, your share of the cost of benefits will be deducted from your pay and is not currently subject to federal income tax. Generally, participants pay about 20% of the cost of benefits and the rest is paid for by contributions from METRO.
The necessary enrollment materials will be provided by the Health & Welfare Plan and will indicate the required contribution for each benefit option. Contact the Health & Welfare Plan for more information.
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.