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Plan details and coverage

When does coverage begin?

Coverage begins on the date that you meet the criteria specified in the Who is Covered? section.

Dependents become eligible on the same date as the member, or on the date they first become eligible dependents.

When does coverage terminate?

Coverage for a member terminates in the following situations:

  • when the member returns to “in-service” status
  • when the NYC Department of Education ceases to make contributions to the Fund on their behalf
  • upon death

Dependent coverage terminates when a member's eligibility ends for any reason other than death, or on the date when the dependent no longer meets the definition of eligible dependent, whichever occurs first. In cases of the member’s death, dependent coverage terminates three (3) months following the month in which the member died.

What do my dependents do if they lose coverage?

  1. COBRA -The Federal Consolidated Omnibus Budget Reconciliation Act of 1985, (COBRA), requires that the City and UFT Welfare Fund offer eligible dependents of members the opportunity to continue health and certain Welfare Fund benefits at 102% of the group rate. The maximum period of coverage is thirty-six (36) months. Refer to the COBRA section for further details.
  2. Dependent Survivor Coverage - In cases of the member's death, dependent coverage terminates three (3) months following the month in which the member died.
  3. Unmarried Dependent Children 29 years of age or under - New York State Insurance Law allows unmarried children to be covered by the member’s insured health plan, if they so choose, by paying the premium cost of the coverage until the unmarried child reaches his/her 30th birthday. Welfare Fund coverage for unmarried children 29 years of age or under, will coordinate with the coverage afforded said children under New York City health plans.