Health & Welfare FAQs

• How do I submit a claim?

  When you receive services from a participating provider (Unitedhealthcare or Delta Dental), the provider will submit your claim to the Plan. If you receive services from a non-participating provider you may have to submit the claim to the Plan. If you need to submit a claim, you will need to request an itemized bill from the provider then complete a Initial Report of Claim Form. Forward the bill and completed form to the address as it appears on the claim form.

• Is there an office co-pay?

  Yes. The office co-pay is $25 for a regular doctor visit, $50 for a specialty doctor visit and $250 for an Emergency Room visit.

• What is the deductible?

  $500 per person per year
  $1,500 per family per year
  $25 deductible for dental benefits per year

• Is there coverage for chiropractic care?

  Yes. There is a $25 co-pay then the Plan pays 80% based on Reasonable and Customary charges to a maximum of 20 visits per person per year. No benefits are payable for services that are work-related, auto-related, or involve third party liability.

• Are there vision benefits?

  Yes. Active employees and their adult dependents are entitled to reimbursement on the following at 100% up to the limits stated below:
  
  Routine vision exam: One exam per Eligible Person or Covered Dependent Child is 100% covered per Calendar year.
  Frames up to $70 per calendar year
  Single lenses up to $74 per calendar year
  Bifocal lenses up to $128 per calendar year
  Trifocal lenses up to $156 per calendar year
  Lenticular lenses up to $280 per calendar year
  
  Contacts up to $87 per calendar year (in lieu of all other lens and frame benefits)
  For dependent children under the age of 19, the Plan allows 100% coverage for any eye examination, with no maximum and one set of lenses per Calendar year.
  
  You may submit a Initial Report of Claim Form and return it to the Fund Office.

• Which pharmacies can I use?

  You can go to any retail pharmacy to have your prescription filled; however, if you use a Express Scripts retail pharmacy or the mail-order program, you will save money. If you have a prescription filled at a non-network retail pharmacy, your medication will not be discounted. In addition, if you have prescriptions filled at a CVS, Wal-Mart, Target, Hy-Vee, Sam’s Club, Costco, or Coborn's retail pharmacy, you will be responsible for 100% of the cost of the medication.

• How can I locate a participating provider?

  On the UnitedHealthcare/UMR page, click on Find a Doctor found under Resources.

• I’ve misplaced a letter sent to me regarding a pending accident claim. How can I get a replacement letter?

  You may contact Wilson-McShane Corporation and request that another letter be sent to you, or you may print a Replacement Accident Letter and mail it to the Fund Office.

• When do I receive my medical cards?

  You will receive your medical cards 7-10 business days from the end of the month, following receipt of the required number of weekly contributions to be eligible for benefits.

• How do I get the Summary Plan Description Booklet (SPD)?

  You can review the Summary Plan Description electronically or you can call Wilson-McShane Corporation at (952) 851-5797 or (844) 468-5917 to request a physical SPD Booklet.

• If I get divorced, what happens with my former spouse’s coverage?

  You or your spouse must notify the Plan and mail a fully executed copy of your divorce decree to Wilson-McShane Corporation. Once the Plan receives the divorce decree, your former spouse’s coverage will be terminated back to the date of your divorce.

• How do I remove my former spouse from coverage through the Plan?

  You or your spouse need to mail a fully executed copy of your divorce decree to Wilson-McShane Corporation within 60 days of the divorce or legal separation date for your spouse to receive COBRA Continuation Coverage. If you have children for whom you do not have custody, a copy of any QMCSO is also required. At this time, you may also want to review your beneficiary designation for your Life and AD&D Insurance, if eligible.

• I’m an active member, how much do I pay for my insurance?

  Refer to your Collective Bargaining Agreement.

• When I retire, what are my options for continuing health coverage?

  If you are not eligible for Medicare, your only option is to continue coverage through COBRA for 18 months or contact a health care provider to enroll in a healthcare program. If you are eligible for Medicare, you can go on the BCBS Senior Gold Plan through the Plan or contact a health care provider to enroll in an individual Medicare supplemental plan.

• I did not receive my informational packet. How do I request it?

  Contact Wilson-McShane Corporation at (952) 851-5797 or (844) 468-5917 and speak with an AR Specialist. They will confirm eligibility and send the packet.

• When does my coverage terminate?

  Coverage terminates at the end of the month following the last lag month contributions are due. Consult your CBA for specifics related to PTO contributions paid after termination. At this point, a COBRA notice will be sent by Wilson-McShane Corporation notifying you that your coverage has been terminated. You may continue coverage through COBRA for up to 18 months.

• I am going from part-time to full-time. When will coverage begin for my dependents?

  You must have eight weekly full-time contributions within a 12 week period. Your family coverage will begin on the first day of the first month following the month in which you meet the eligibility requirements.'

• I do not know if I am currently eligible, how do I find out?

  Contact Wilson-McShane Corporation at (952) 851-5797 or (844) 468-5917 and ask to speak with an AR Specialist.

• I am a full-time employee, how do I verify if my spouse and dependents are active under my insurance?

  Contact Wilson-McShane Corporation at (952) 851-5797 or (844) 468-5917 and ask to speak with Medical Claims.

• I am going out on medical leave, what are my next steps?

  First, contact your employer to fill out the required FMLA paperwork. Then, contact Wilson-McShane Corporation at (952) 851-5797 or (844) 468-5917 with any additional questions.

• I have not received my card yet or I have misplaced it. How do I request a new card?

  Contact Wilson-McShane Corporation at (952) 851-5797 or (844) 468-5917 and ask to speak with an AR Specialist. They will verify eligibility and request a new card. Your new card will arrive within 7-10 business days from the date you first notify the Plan that you need a new card.

Medicare Retirees or Those Becoming a Medicare Retiree Shortly FAQs

• What happens with my coverage through the Minneapolis Retail Meat Cutters and Food Handlers once I become a Medicare Retiree?

  All Medicare retirees making retiree self-payments have supplemental insurance through the Senior Gold plan offered by BlueCross BlueShield of MN.

• How do I enroll in the Senior Gold plan?

  You will need to contact Wilson-McShane Corporation and inform them of your Medicare eligibility and they will have an enrollment packet mailed to your address.

• Do I need Medicare Part B in order to go on the Medicare coverage?

  YES. In order to be eligible to go on the Medicare coverage, you must have both Medicare Part A and Part B. If you do not have Medicare Part B it is crucial that you enroll in Medicare Part B as soon as possible.

• Who do I contact about my Senior Gold coverage?

  You must contact BCBS of MN customer service. For medical questions, you should contact BCBS customer service at (800) 531-6686. For prescription questions, you should contact BCBS customer service at (844) 838-3827.

Pension FAQs

• When am I eligible to begin receiving my pension?

  You are eligible to begin receiving benefits upon one of the following events:

  • Normal Retirement Age: Requires 5 years of service and attainment of age 62
  • Early Retirement Age: Requires 15 years of Credited Service and attainment of age 52
  • Thirty-Year Retirement Benefit: 30 years of Credited Service without regard to age (not available to those who first commenced participation in the Plan on and after May 1, 2010)
  • Disability Retirement Benefit: Requires 15 years of Credited Service and Total and Permanent Disability

  For further information, please refer to your Summary Plan Description (SPD).

• When should I file an Application for my pension?

  You should apply for your pension at least 90 days prior to your retirement date by completing an Application for Benefits. Upon completion, please submit it to the Fund Office.

• Which documents will I need in order to apply for my pension?

  You will need to submit a photocopy of your birth certificate. In addition, if you are married, you may need to submit a photocopy of your spouse’s birth certificate and a photocopy of your marriage certificate.

• I severed employment and completed the application process for pension benefits last month but haven’t yet received payment, why?

  There are a few factors that may influence when you receive your first payment. Mainly, the Fund Office needs to receive a termination date and final hours worked from your employer. Those dates and hours are usually sent to the Fund Office at the end of the month following the month you last worked. Therefore, your first payment may be delayed.
  
  Another factor may be that your employer is still paying you for vacation/personal/holiday hours for the month following your last day worked. If this continues into the month you wish to retire, your benefits will not start until the first of the month following the date all hours are reported and contributions received by the Fund Office.

• How will benefits from the Pension Plan be paid to me?

  Benefits from the Plan are paid in the form of a monthly lifetime benefit. There are no lump sum options.

• I have my pension checks mailed to my address or P.O. Box but haven’t received mine yet, what should I do?

  The U.S. mail, though reliable, can be subject to delays. You are asked to wait 7 calendar days before contacting the Fund Office. At that time a stop payment will be placed on the check and a replacement check will be issued to you. If this is a concern for you, you do have the option to sign up for direct deposit and have your check automatically deposited into you savings or checking account on the first of each month. If the first of the month falls on a holiday or weekend, your check will be deposited into your account on the business day preceding the holiday or weekend. To have your check deposited into your account, complete the Direct Deposit Form and submit it to the Fund Office.

How do I...?

• Locate a network provider?

  The Service Providers page provides links to UnitedHealthcare/UMR and Delta Dental of Minnesota. Once you have selected the desired site, you may login to your account and search for in-network providers.

• View my Explanation of Benefits (EOB)?

  If you would like to access your EOBs, please visit the UnitedHealthcare/UMR website. Once you are on the UnitedHealthcare/UMR website, you will need to login to your account to access your EOBs.

• Change my address?

  In order to change your mailing address, you must complete a Change of Address Form. You may print and complete the form, or you may contact the Fund Office at (952) 851-5797 or (844) 468-5917 and a form will be mailed to you.

• Order a new ID Card?

  Contact Wilson-McShane Corporation at (952) 851-5797 or (844) 468-5917 and ask to speak with an AR Specialist. They will verify eligibility and request a new card. Your new card will arrive within 7-10 business days from the date you first notify the Plan that you need a new card.

• File an out-of-network claim?

  If you receive services from a non-participating provider you may have to submit the claim to the Plan. If you need to submit a claim, you will need to request an itemized bill from the provider then complete an Initial Report of Claim Form. Forward the bill and completed form to the address as it appears on the claim form.

• Setup direct deposit for my pension check?

  You do have the option to sign up for direct deposit and have your check automatically deposited into you savings or checking account on the first of each month. If the first of the month falls on a holiday or weekend, your check will be deposited into your account on the business day preceding the holiday or weekend. To have your check deposited into your account, complete the Direct Deposit Form and submit it to the Fund Office.

• Apply for Pension?

  To apply for a pension, you will need to complete an Application for Retirement Benefits Form. Please complete the form and mail pages 1-4 along with proof of age to the Fund Office.

• Designate a beneficiary?

  When you need to designate a beneficiary, a Beneficiary Designation Form should be completed and sent to the Fund Office.

• Add a dependent?

  When adding a spouse, you must notify Wilson-McShane Corporation within 30 days of the date of your marriage for your spouse to be covered under the Plan. Complete a Family Update Form, attach a copy of your marriage certificate and mail them to the Fund Office. If this information is received within 30 days of the date of your marriage, your spouse’s effective date will be the date of the marriage.
  
  Adding a child will also require that you complete a Family Update Form and provide a copy of the birth certificate, adoption papers, or court order. If you are requesting to add a step-child, you will need to provide a copy of your marriage certificate and a copy of your spouse’s divorce decree or other court order showing the responsibility of the stepchild’s natural parents. Stepchildren are eligible from the date of your marriage, provided they are living in your home and are dependent on you for support.

• File for disability benefits?

  If you become totally disabled, unable to work and your disability is not job-related, auto-related or third party liability related, you should complete the front side of the Initial Disability Form in full. Your attending physician should complete the reverse side of the form paying close attention to questions 1, 2, 4, 5, 7, 8, and 9. Your physician should sign and date the form. The completed form should be returned to the address found on top of the Initial Report of Claims form.