TO: All Covered Employees of the San Diego Electrical H&W Trust

FROM: H&W Board of Trustees/Trust Office

RE: Summary of Material Modifications
ROLLING OPEN ENROLLMENT EFFECTIVE JUNE 1, 2025

For All Plans (Plan A PPO, Plan A Kaiser, Plan A Sharp, Plan B Kaiser, and Plan B Sharp):

Currently, the Plan holds Open Enrollment every October 1st – October 31st Annually. Effective June 1, 2025, the Plan will be moving to a Rolling Open Enrollment.

What does that mean for Covered Employees?

Covered Employees will be able to change health plans anytime throughout the year, subject to certain restrictions.

What are the Restrictions?

1. You are only able to change into an eligible health plan based upon your employment classification. For example, certain classifications only allow for Plan B coverage. Covered Employees cannot change to Plan A coverage if they are in one of those classifications, or vice versa. Classifications are determined by the Collective Bargaining Agreements.
2. The earliest you can change Plans is after 12 months after the last change. For example, if you choose to enroll in Plan A Sharp on February 1, 2025, then you cannot change to another Plan until February 1, 2026, at the earliest. There are no exceptions unless a Qualifying Life Event occurs.
3. Timing of the change. Please be aware that changing to a new health plan requires time for both the Trust Office as well as the Carrier to make these changes. A change to a new health plan will not become effective until the 1st day of the second month after the change is requested. This also means that any application required regarding the new Plan must be submitted by the 15th of the following month. See effective dates below:
   

   Change Requested in month of:	Application due:	Effective Coverage Date:
   January 1st – 31st	February 15th	March 1st
   February 1st – 28th (29th)	March 15th	April 1st
   March 1st – 31st	April 15th	May 1st
   April 1st – 30th	May 15th	June 1st
   May 1st – 31st	June 15th	July 1st
   June 1st – 30th	July 15th	August 1st
   July 1st – 31st	August 15th	September 1st
   August 1st – 31st	September 15th	October 1st
   September 1st – 30th	October 15th	November 1st
   October 1st – 30th	November 15th	December 1st
   November 1st – 30th	December 15th	January 1st
   December 1st – 31st	January 15th	February 1st

4. If you miss the application due date, the coverage effective date will be pushed forward to the 1st of the month following submission of the application by the 15th. For example, an application turned in February 16th (originally due February 15th) will change the effective date of the new coverage to April 1st. Again, there are no exceptions.
5. Rolling Open Enrollment only applies to health, dental, and vision benefits. The ability to enroll in and/or change Life Insurance benefits will continue to be held annually from October 1st – October 31st.

In the Plan Document or Summary Plan Description , wherever the terms “Annual Enrollment” or annual enrollment” appear, those terms will be replaced with the term “Rolling Open Enrollment,” with the following exception: The revision does not apply to references to “Annual Enrollment” or “annual enrollment” as those terms apply to life insurance benefits. An Amendment to the Plan document includes other revisions consistent with this new Rolling Open Enrollment Process.

The Trust Office appreciates your patience during this process as we are changing our procedures to allow for the Rolling Open Enrollment. Should you have any questions, please call the Trust Office at 858-569-6322 x310.

Thank you.

For the Official Letter, click here.