SAG-AFTRA Health Benefits

Earned Eligibility

Minimum earnings requirements 

The following minimum requirements for earned eligibility apply to the first day of any calendar quarter, which start on January 1st, April 1st, July 1st and October 1st.

Minimum Earnings Requirements 2017

$33,000

$17,000

78 days

$11,600 with 10 Health Plan Years and age 40 or over

Alternative Days Eligibility

If you do not satisfy the Covered Earnings requirements by meeting the earnings thresholds, as set forth above, you may qualify for Plan II coverage under the Alternative Days eligibility rule.

To qualify under the Alternative Days eligibility rule, you must have at least 78 Eligibility Days during your Base Earnings Period. Eligibility Days are determined by dividing your total applicable sessional Covered Earnings by the SAG-AFTRA minimum daily rate, which is based on the type of production.

Sessional Covered Earnings from employment under the Codified Basic (Theatrical) Agreement, Television Programming Agreement, Television Commercials Agreement, Infomercials Agreement, New Media Agreement, Interactive Media Agreement, Corporate/Educational Agreement, Music Videos Agreement, Television Network Code and New Media Network Code (as set forth in the table below) may be used to satisfy the Eligibility Days requirement for Alternative Days eligibility.

Sessional Covered Earnings from employment under the Sound Recordings Code, the Audiobooks Agreement, the Commercial Radio Broadcasting Agreement, the Radio Commercials Agreement, any Regional or Local AFTRA (or SAG-AFTRA) code for Television or Radio Broadcasting or any other AFTRA or SAG-AFTRA Collective Bargaining Agreement side letter or other agreement requiring contributions to be made to the AFTRA Health Plan or to this Plan (with the exception of those identified as counting toward Alternative Days eligibility in the table below) may NOT be used to satisfy the Eligibility Days requirement for Alternative Days eligibility.

Alternative Days eligibility is not available to employees of a radio or television station or network.

Age and Service Eligibility

If you do not satisfy the Covered Earnings requirements by meeting the earnings thresholds set forth above or the Alternative Days eligibility requirements, set forth above, you may qualify for Plan II coverage under the Age and Service eligibility rule.

To qualify under the Age and Service eligibility rule, you must meet each of the following criteria:

  • Be at least age 40 on the first day of your Benefit Period;
  • Have at least 10 Age and Service Credits; and
  • Earn at least $11,600 in Covered Earnings during your Base Earnings Period (as defined in “Earnings Considered for Age and Service Eligibility”). For eligibility beginning on or after January 1, 2018, you must earn at least $13,000 in Covered Earnings during your Base Earnings Period.

Earned Eligibility based on the Age and Service eligibility rule is not available to employees of a radio or television station or network.

Age and Service Credits

Each year prior to January 1, 2017 for which you qualified for SAG Health Plan Earned Eligibility, including those years for which you chose not to enroll in coverage, will be counted as an Age and Service Credit.

No years of eligibility under the AFTRA Health Fund earned prior to January 1, 2017 will be counted as an Age and Service Credit.

For eligibility beginning on or after January 1, 2017, in order to earn an Age and Service Credit, you must have $17,000 in Covered Earnings during your Base Earnings Period from employment as described below or qualify for Alternative Days eligibility during your Base Earnings Period, even if you opt not to enroll in coverage.

Earnings Considered for Age and Service Eligibility

Covered Earnings from employment under the Codified Basic (Theatrical) Agreement, Television Programming Agreement, Television Commercials Agreement, Infomercials Agreement, New Media Agreement, Interactive Media Agreement, Corporate/Educational Agreement, Music Videos Agreement, Television Network Code and New Media Network Code (as set forth in the table on the following page) may be used to satisfy the Age and Service Covered Earnings requirement and to earn an Age and Service Credit on or after January 1, 2017.

Covered Earnings from employment under the Sound Recording Code, the Audiobooks Agreement, the Commercial Radio Broadcasting Agreement, the Radio Commercials Agreement, any Regional or Local AFTRA (or SAG-AFTRA) code for Television or Radio Broadcasting or any other AFTRA or SAG-AFTRA Collective Bargaining Agreement side letter or other agreement requiring contributions to be made to the AFTRA Health Plan or to this Plan (with the exception of those identified as counting toward Age and Service eligibility in the table below) may NOT be used to satisfy the Age and Service Covered Earnings requirement or to earn an Age and Service Credit.

Types of Earnings Considered for Age and Service Credits

Covered earnings from employment under the following SAG-AFTRA Collective Bargaining Agreements may be used to satisfy the age and service covered earnings requirement and to earn an age and service credit on or after January 1, 2017:

  • Codified Basic (Theatrical)
  • Television Programming 
  • Television Commercials 
  • Infomercials 
  • New Media 
  • Interactive Media 
  • Corporate/Educational 
  • Music Videos Agreement
  • Television Network Code (Front-of-the-book)
  • New Media Network Code (Front-of-the-book)

Learn more about age and service eligibility, age and service credits or alternative days eligibility in the SPD.

Benefit period

If your coverage starts at the beginning of a calendar quarter, your benefit period will be the 12-month period beginning on the date your coverage starts.  If your coverage start date is not on the first day of a calendar quarter, your benefit period will be the 12-month period that starts on the calendar quarter which follows your coverage start date.  

Base Earnings and Benefit Periods

If you meet the minimum earnings or minimum days of employment requirement within four consecutive calendar quarters (base earnings period), you will establish one year of coverage for yourself and your qualified dependents (benefit period).

Base Earnings and Benefit Periods

October 1 through September 30 January 1 through December 31
January 1 through December 31 April 1 through March 31
April 1 through March 31 July 1 through June 30
July 1 through June 30 October 1 through September 30