Your NCTI Health Benefits

Just like choosing the right tools for a job, you have important choices to make about your health and health care. With NCTI health benefits, you have a choice of medical plans so that you can select the one that’s right for you and your family. You also have dental and vision coverage to take care of every aspect of your health.  

Eligibility For Health Benefits

Effective with the April 2011 coverage month, eligibility for health benefits is based on an advanced eligibility system. You become eligible for coverage the first day of the third month following the month in which 360 hours have been reported and paid into your reserve account. Plan rules require that these hours must be worked within three consecutive months.

Beginning with hours worked on or after November 1, 2010, you can take up to five consecutive months to build these 360 hours required to establish eligibility. This is a temporary change to the eligibility rules that was adopted during a period of low employment and will sunset on March 31, 2013. Therefore, if you work a total of 360 hours between November 2010 and March 2011, your eligibility would begin on June 1, 2011. Effective with hours worked beginning April 1, 2013, the three month requirement will apply.

To maintain eligibility each month, the "cost" is 120 hours per month. If you have more than 120 hours reported and paid, the excess will go into your reserve account. Your reserve account can hold up to a maximum of 360 hours and acts like a bank. In months in which fewer than 120 hours are reported and paid on your behalf, the hours in your reserve account will be used to maintain coverage.