In life, we experience many events – from the dramatic (birth, death, marriage), to the mundane (unemployment, moving, retirement planning). These pages are designed to help you understand your benefits and what the Plans require when you have a life event.

Relationship Events

• Marriage
• Divorce

Dependent Events

• Birth of Dependent Child
• Adoption/Guardianship of Dependent Child

Employment Events

• Unemployment
• Leaving the Trade
• Retiring
• Return to Work After Retirement
• Retirement Planning

Misc. Events

• Moving
• Participant or Spouse Turning 65
• Entering or Leaving Active Military Service
• Major Surgery

Disability Events

• Disability – Temporary
• Disability – Permanent

Death Issues Events

• Death of Participant
• Death of Spouse or Eligible Dependent
• Death of Designated Beneficiary