Retirees

This chart contains information on the benefits available for Retirees not yet on Medicare and for Retirees on Medicare.  Certain restrictions, limits, pre-authorizations, deductibles and co-pays apply.  Refer to the Summary Plan Description (SPD) for details.  If there is a discrepancy between the SPD and the Plan Document, the Plan Document governs.

Benefits are available to the spouses and dependent children of Retired Employees provided they meet the definitions of the plan and the premium is paid.  The premium is for medical, dental, vision and prescription card benefits. 

If you and/or your eligible dependents (including your spouse) are on Medicare, then Medicare is the primary health care coverage.  EWTF will supplement the Medicare coverage.  NOTE:  If Medicare does not cover the service, then neither will EWTF.

NOTE:  If you are age 65, the Plan assumes you are enrolled for Medicare and will not pay for any expenses that are covered under Medicare if not enrolled.  That is why it is essential that you apply for Medicare at least 3 months before you reach age 65 to assure continued coverage.  The same rules apply to any of your eligible family members who are also covered by Medicare. The Plan does not pay the Medicare Part B premium for participants.