Frequently Asked Questions

You become eligible for employee-only medical, prescription drug, time loss, life insurance and AD&D insurance benefits on the earlier of: (1) the first day of the seventh month of employment, provided you work at least the minimum required number of hours for a participating employer during the fifth month, or (2) the first day of the month that is 60 days after the employee completes 500 hours of employment with his contributing employer. The minimum monthly hours requirement is determined by your collective bargaining agreement. If you don’t know which minimum hours requirement applies to you (generally 80 hours worked), refer to your collective bargaining agreement or contact your Local Union. 

After satisfying your initial eligibility, you must continue to work the minimum required hours each month to maintain eligibility.

Each year, during annual enrollment, you have the chance to elect a level of coverage (single or family) and who you want to enroll as a dependent for the coming plan year (January 1 through December 31). Once you make and election, you will not be able to change your coverage until next year’s annual enrollment unless you experience a special enrollment event.

If you work the minimum number of hours required for family coverage, your dependents become eligible for medical and prescription drug benefits on the earlier of (1) the first day of the 13th month of employment, provided you work at least the minimum number of hours required for a participating employer during the 11th or (2) the first day of the month following the date that is 60 days after the employee completes 1,200 hours of employment with their contributing employer. The minimum hours required to qualify for family coverage is determined by your collective bargaining agreement. If you don’t know which minimum hours requirement applies to you for family coverage (generally 100 or 120 hours worked), refer to your collective bargaining agreement or contact the Local Union. 

Each year, during annual enrollment, you have the chance to elect a level of coverage (single or family) and who you want to enroll as a dependent for the coming plan year (January 1 through December 31). Once you make an election, you will not be able to change your coverage until the next year’s annual enrollment unless you experience a special enrollment event. 

If you fail to work the minimum required hours in any month, your coverage will end on the last day of the month following the month you failed to work the minimum required hours. In addition, your coverage will automatically end on the last day of the month you terminate employment. 

Medical Claims

• Montana Retail Store Employees Health & Welfare Trust
• Group #5042
• PO Box 2289
• Seattle, WA 98111-2289

Vision Claims

• Vision Service Plan (VSP)
• PO Box 997105
• Sacramento, CA 95899

Dental Claims

• MRSE
• PO Box 5433
• Spokane, WA 99205