Open Enrollment Period
November 1 through November 30 Annually
Dates to Remember
All Changes, Single with Dependents & Opt-out Elections Due By:
November 30th 2024
Effective Date for Changes:
January 1, 2025
Dear Health and Welfare Participants:
Health and Welfare Participants:
The Open Enrollment period for the IBEW Local No. 43 and Electrical Contractors Health
and Welfare Plan is from November 1, 2024, to November 30, 2024, for coverage effective January 1, 2025.
Remember, Open Enrollment is the only time annually (outside of a qualifying life event, like getting married,
having a baby or divorced) that you can make changes to your medical plans.
The Open Enrollment instructions and 2025 healthcare premium rates are enclosed.
You are encouraged to carefully review the enrollment instructions, including those related to the Health Reimbursement Accounts (HRA).
Specifically, if you are enrolled in single coverage and have dependents or opted-out of medical coverage and want your HRA
allocations to be available for qualifying expenses incurred by your eligible dependents, you must provide evidence
every year (as indicated on the enclosed forms) that those dependents are enrolled in other employer-sponsored
minimum value group health coverage.
You may also obtain Open Enrollment materials by visiting the IBEW Local 43 Website at: www.ibew43.org/OE-2024.aspx
As always, if you have questions or need assistance, please call the Fund
Office at (315) 474-5729. We will be glad to be of help.
Very truly yours,
BOARD OF TRUSTEES
INTERNATIONAL BROTHERHOOD OF
ELECTRICAL WORKERS LOCAL NO. 43
AND ELECTRICAL CONTRACTORS
WELFARE FUND