DISCLAIMER

Funding for the Delaware Jockeys’ Health & Welfare Fund is contingent upon the continuation and the availability of funding provided pursuant to 29 Del. C. §4815(b)(3)(c) and 3 Del. C. §10171. Accordingly, if the statutory funding or appropriations cease or are exhausted, benefits will terminate due to lack of funding. In the event funds are exhausted, the Delaware Jockeys’ Health and Welfare Benefits Board shall give written notice of the unavailability of funds. All payment obligations of the BOARD will cease ten (10) days after the date of such written notification.

BENEFIT SUMMARIES

The Benefit Summaries are intended only to highlight your Benefits and should not be relied upon to fully determine your coverage. If a Benefit Summary conflicts in any way the Certificate of Coverage (COC), the COC shall prevail. It is recommend that you review your Certificates of Coverage for an exact description of the services and supplies that are covered, those which are excluded or limited, and other terms and conditions of coverage.

PAYMENT

Payment is due by the first (1st) of each month regardless of whether you receive a monthly bill or invoice. If payment is not received within thirty (30) days of due date, coverage will be terminated. Re-instatement of benefits will follow DJH&WF guidelines and may result in a waiting period and/or medical exclusion.

BOUNCED PAYMENTS

A fee of $35.00 will be charged and added for any payment that ‘bounces’ due to insufficient funds, a stop payment order, or a closed account. Benefits will be cancelled if the outstanding balance is not immediately paid, or if an acceptable payment arrangement is not made.

LATE PAYMENTS / UNPAID BALANCES

All late payments and unpaid balances will be subject to a 1.5% late fee, per month, of the outstanding balance.

REINSTATEMNT OF BENEFITS TERMINATED FOR NON-PAYMENT

Active Members who are terminated for non-payment will lose current eligibility, and will have to re-qualify for the plan according to the current rules of eligibility for active Delaware jockeys.

Retired Members who are terminated for non-payment will have to show proof of current health insurance that has been in force for a minimum of ninety (90) consecutive days.

CHANGE IN ADDRESS OR DEPENDENTS

It is each participant’s responsibility to IMMEDIATELY inform Bolton & Company of any change to their contact information – address, phone, email – or any change in their dependent status.

DEPENDENTS

For health coverage, dependents may stay in the plan until their 26th birthday. For dental and vision coverage, dependents may stay in the plan until their 20th birthday, or if enrolled in college full time, their 26th birthday. Dependents can be immediately added for life changing events – marriage, birth, divorce, loss of other insurance, etc. – without any medical exclusion or waiting period.