My Spouse is offered Health Insurance through their Employer, but would have to pay for it. Is my spouse still required to elect the coverage even though it is not paid for by the employer?

Yes. The Carpenter’s Plan of Benefits states that if a spouse is offered Health Insurance through their Employer, regardless of part-time or full-time employment status, the Spouse is considered ineligible for Primary Coverage through the Carpenters’ Fund. However, once that spouse elects primary coverage either through their employer or elsewhere, they then become eligible for Secondary Insurance Coverage with the Carpenters’ Fund. Failure to elect coverage when offered will result in no payment from the Fund. Spouses are only required to elect major medical coverage, and only for themselves. Spouses are not required to sign up for elective coverage's, nor must they cover the member or any eligible children.