How To Apply for Disability Hours Credit

If you become disabled while covered under the Active Cement Masons Plan, you may be eligible for "disability hours credit".

Disability hours credit protects you and your family from the loss of health and welfare coverage in the event you are unable to work. The Plan defines "disabled" as being unable to perform any and every duty in connection with your occupation.

To be eligible, you must have at least 300 hours in your hour bank at the onset of your disability.

If you are eligible, the health and welfare plan grants Disability Hours Credit of 8 hours per day, 40 hours per week. Disability Credit will not be granted for more than six months during any consecutive 12-month period. (For the actual text governing Disability Credit, refer to Article II., Section 2.a.(2) of the Active Cement Masons Plan.)

To apply for disability hours credit you can request a Disability Certification form by contacting the Fund Office, visiting your Local Union or receive the form online here.