(239) 936-6242 info@gmptrust.com

Q & A

How will the changes from Health Care Reform affect my coverage?

G.M.P. – Employer’s Retiree Trust, is a retiree-only plan. Therefore, the Retiree Trust is not subject to certain rules set forth in the Patient Protection and Affordable Care Act.  For example, retiree-only plans are not required to:
• Offer free preventive health benefits
• Remove annual and lifetime limits on how much they will spend on medical care
• Remove limits on emergency health care

I have a question regarding my pension, who should I contact?

You will need to contact your former employer.

I’m covered by the Trust’s Indemnity Plan. What are my benefits?

To learn about the Trust’s Indemnity Plan – what it offers and how it works – go to the Benefits tab of this site.

Who is eligible for the PPO option?

To be eligible for the PPO option, you must be a Trust participant and not yet eligible for Medicare. To learn about your Trust coverage, click on the Benefits tab. For information about Medicare, go the Medicare’s official website.

What is a Preferred Provider Organization (PPO)?

A PPO is a form of managed care, or a way of receiving health care. In a PPO, networks of hospitals, doctors and other health care providers agree to provide quality, cost-effective care to eligible participants at reduced rates. The managed care companies use a strict screening process to see that doctors have appropriate licensing and certification before they are admitted to the network. You receive a higher level of benefits by choosing providers in the PPO network (you may still see providers who are not in the network, but you pay a higher percentage of the associated costs).

What happens to my Trust Indemnity Plan coverage if I join the PPO?

The PPO replaces your medical coverage under the Trust Indemnity Plan.

Can I change coverage? (For non-Medicare eligible participants)

Between PPO Options (Highest contributing companies only)
If you are on a PPO plan, you must remain on your current plan for the full calendar year.  You may change plans annually during open enrollment.  You must complete a new PPO form and notify the Trust  before November 30th.

PPO to Indemnity
If you are on a PPO plan, and wish to change to the Indemnity plan, you may do so at the beginning of any month.

Indemnity to PPO
If you are on the indemnity plan and have never been on  PPO, you can change to the PPO at the beginning of any month (PPO Plus, if eligible, can only begin on January 1st.)  If, at any time, you had previously been on a PPO plan, then you would be eligible to re-enroll in a PPO plan during the open enrollment period that follows a two year waiting period from the date of cancellation (coverage would begin January 1).  For example, if you cancelled the PPO on 3/31/17, then you would be eligible to re-enroll in the PPO option during open enrollment in November of 2019, for coverage starting January 1, 2020.

All changes to plans must be received in writing at the Trust.

I am a spouse who is eligible to receive Trust benefits, but will be using only the prescription drug benefit. Do I still have to pay the monthly premium?

Yes, the monthly premium is for both medical and prescription coverage. To participate in any part of the coverage, a spouse who is eligible to receive Trust benefits will be required to pay a monthly premium of $35.

I cannot afford to pay for the quarterly premium. Am I allowed to pay monthly?

Yes, you may choose to enroll in the Direct Payment Plan, which is an automatic monthly withdrawal from your bank. If you are interested in this option, you may print out the documents needed to enroll by going to the Forms tab on this site.

What happens when I am enrolled in the PPO and then become eligible for Medicare?

When you become eligible for Medicare (either by reaching age 65 or becoming medically eligible), you will no longer be eligible for the PPO option. You will automatically be covered under the Trust Indemnity Plan.

Important: You must notify the Trust office immediately when you and/or your spouse become eligible for Medicare for any reason other than attaining age 65. Write or call the Trust at:

G.M.P. – Employers Retiree Trust
5245 Big Pine Way, S.E.
Fort Myers, FL 33907-5998

Phone: (239) 936-6242

What’s the best way to find out if my doctors are in the health plan network?

For the most reliable information, you may do one of three things:

How do I enroll in life insurance benefits?

As a retiree, you are automatically enrolled in the life insurance benefit. The $2,000 life insurance benefit is available only to retirees and is still in effect even if you opt out of health insurance coverage. This benefit is provided at no cost to you.

Is this the same Life Insurance that is offered by the International Union?

No, this is a separate benefit.

As a spouse of a retiree, will I lose my coverage if they die?

As a surviving spouse of a retiree your coverage will continue unless you re-marry or no longer pay your premiums.

As a spouse of a retiree, will I lose my coverage if we divorce?

Yes, however you will be eligible for COBRA Coverage. Click here for the COBRA Continuation of Coverage notice.

I recently retired from a contributing company, am I eligible for coverage?

To be considered an eligible retiree, you must be a former employee of a contributing Employer who (a) has retired and become entitled to, and is actually receiving, payment of an early, normal, or disability retirement benefit (but not including any deferred vested benefit) under an Employer’s pension plan on or after March 1, 1963, and (b) by the terms of the applicable Collective Bargaining Agreement then in effect (i) is no longer covered by the Employer’s health and other welfare benefit plans for active employees and (ii) is to be provided Benefits under the Plan or a plan of the nature and for the purposes of the Plan established pursuant to the Trust Agreement. If an Employer does not maintain a pension plan of the type contemplated by clause (a) of the preceding sentence, the Trustees shall have full and exclusive power and authority to determine, on the basis of other factors they deem pertinent, whether an otherwise eligible retired employee of such Employer qualifies as a Retiree for purposes hereof.

I want my spouse to have health care, are they eligible for coverage?

To be considered an eligible spouse, a person must be (a) married to an eligible retiree at the time of the retiree’s retirement and (b) is not covered by an Employer’s health and other welfare benefit plans for active employees under the terms of an applicable Collective Bargaining Agreement. A retiree who is married to another retiree shall be deemed a retiree, and not a spouse, for purposes hereof. A person who has qualified as a spouse shall remain such notwithstanding the death of such retiree, but such a person shall cease to qualify as a spouse if the event of a divorce from such retiree or in the event of remarriage after the death of such retiree.