Earned Eligibility

Beginning January 1, 2027, premiums for Earned Eligibility will change, as adopted by the Board of Trustees on August 27, 2026.

Learn more

To qualify for Earned Eligibility coverage under the SAG-AFTRA Health Plan, you must meet the minimum earnings requirements or the Alternative Days requirement during your Base Earnings Period.

Minimum Earnings Requirements
Benefit Year	Minimum Earnings
2026	$28,090
2027	$28,933
2028	$29,801
2029	$30,695
2030	$31,616

Note: For 2026 Benefit Periods (those beginning on or before October 1, 2026), Earned Eligibility is determined using the 2026 minimum earnings requirements of $28,090.

Alternative Days

Participants can also qualify for Earned Eligibility by working at least 108 Eligibility Days. Eligibility Days are determined by dividing your total applicable sessional Covered Earnings by the SAG-AFTRA minimum daily rate for the covered Collective Bargaining Agreement.

You can view your reported Covered Earnings and eligibility status in Benefits Manager.

Note: The Eligibility Days requirement for Alternative Days eligibility remains at 108 days and will be periodically evaluated by the Trustees.

How You Qualify for Earned Eligibility

Your eligibility is determined by your reported Covered Earnings or Alternative Days during a four-quarter Base Earnings Period. Once you qualify for Earned Eligibility, you become eligible for 12 months of health coverage. This 12-month period of coverage is referred to as your Benefit Period.

Base Earnings Period vs Benefit Periods
Base Earnings Period	Benefit Period
October 1 - September 30	January 1 - December 31
January 1 - December 31	April 1 - March 31
April 1 - March 31	July 1 - June 30
July 1 - June 30	October 1 - September 30

You can view your Benefit Period, Base Earnings Period and Covered Earnings in Benefits Manager.

Frequently Asked Questions

What happens if I do not meet the minimum earnings requirements for 2027?

If you do not meet the minimum earnings requirement (or worked 108 Alternative Days), your earned coverage will end at the end of your current Benefit Period. You will receive a COBRA Enrollment Offer outlining options for continuing coverage, including COBRA, or Extended Career COBRA if you meet the requirements.

For more information, please visit COBRA.

Can the Board of Trustees change minimum earnings requirements in the future?

Yes. The Board of Trustees reserves the right to make future changes to the minimum earnings requirements. Participants will be notified of any changes.

What Are Covered Earnings?

Covered Earnings are wages you earn from SAG-AFTRA-covered work for which your employer is required to make contributions to the SAG-AFTRA Health Plan. Track your earnings statement in Benefits Manager.

For more information, please visit Covered Earnings.

How can I check my Covered Earnings?

You can view a detailed breakdown of your Covered Earnings in Benefits Manager. If you believe earnings are missing or reported incorrectly, please contact the Health Plan immediately with paystubs and contract documentation.

Minimum Earnings Requirements