If you are an Active member who has hourly contributions paid on your behalf by a signatory employer, and you have met the standards for initial qualification and are eligible for coverage, the Self-Pay options may be available to you.  These options allow you to maintain coverage when you do not have enough Contribution Credits either through hours worked or existing in your Credit Bank to pay for coverage for the next month.  If you do not use the Self-Pay option, your coverage will be terminated unless you elect coverage available by law through COBRA (See Continuation of Coverage under COBRA for further details).


If you use the Self-Pay option for a given month, the Contribution Credits you earn from the hours you work that month will be credited to your Contribution Credit Bank.

The following coverage continuation options are available subject to their eligibility requirements:

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