Tools / Benefits
Insurance hour bank estimator
Many union health plans cover you for a month when you work enough hours, and bank the extra hours for slow months. Enter your hours and see which months your work covers, which ones the bank covers, and where you could run short.
Watch your bank fill up as you work
WorkerHub counts your insurance hours from the shifts you log, shows your bank on the home screen, and tracks pension and vacation fund estimates next to it. No account, and your data stays on your phone.
How it works
Each month, your hours are checked against the hours your plan needs. If you worked enough, that month is covered and the extra hours go into the bank, up to the bank's limit.
If you came up short, the shortfall is taken from the bank. If the bank can't cover all of it, the month is marked not covered and the bank keeps what it has. That's the month to plan for: pick up hours, or look at your plan's self-pay option.
Extra = hours − hours needed
Covered = hours ≥ needed, or bank ≥ shortfall
Bank = min(bank + extra, max months × needed)
Lag = the month the coverage applies to
Questions
Why does my plan say I'm covered in a month I didn't work?
That's usually the lag. Most funds need time to receive employer contributions, so hours worked in one month buy coverage one or two months later. Set the lag to match your plan.
My plan uses a quarter or a rolling period. Does this still work?
Only roughly. Plans that look at a quarter or a 6-month window count differently. Use the result as a sense of direction, and check the exact rule with your fund office.
What's a reasonable bank limit?
It varies a lot. Some plans cap the bank at a few months of coverage, others at a year or more. Your summary plan description lists it, often in hours.
Is anything I type saved?
Only in your own browser, so the form is filled in next time. Nothing is sent to WorkerHub or anyone else.