Health Care
Who is eligible to become a Participant in the Plan?
You must work under a collective bargaining agreement with IBEW Union Local 9 that requires contributions to be made on your behalf to the Health Fund.
What if I don’t work enough hours to gain eligibility for the month?
You must work a minimum of 360 hours in a Work (calendar) quarter to earn coverage in the corresponding eligibility quarter. For example, the work quarter of January/February/March provides Health Care coverage for the eligibility quarter of May/June/July. If you are new to the trade and you do not work 360 hours, you will need to wait until the next calendar quarter in which you work 360 hours or more. If you have at least 320 hours (but not 360 hours) in your first work quarter, there is a special rule that allows you to make a self-payment for the hours that you are short to earn initial eligibility.
How do I maintain my monthly Health Care coverage?
You must work a minimum of 360 hours in a Work (calendar) quarter to earn coverage in the corresponding eligibility quarter. For example, the work quarter of January/February/March provides Health Care coverage for the eligibility quarter of May/June/July.
HRA
How is the money deposited into my account?
Employer contributions according to the collective bargaining agreement.
Is there a minimum reimbursement amount?
Yes, $50. Smaller amounts can be covered when using the debit card, for members that have more than $10,000 of contributions in the HRA, the amount in excess of $10,000 is available prior to retirement.
Can I use the HRA reimbursement account for Self payments? What about COBRA?
Yes
Pension
How do I become a Participant in the Plan?
Have contributions made by your employer on your behalf in accordance with the collective bargaining agreement.
I am going through a divorce, what happens to my pension?
The pension can be split as defined in a Qualified Domestic Relations Order (QDRO).
Does the Pension Plan affect Social Security benefits in any way?
Typically not. You may need to consult a tax advisor.
Annuity
When do I become eligible for benefits?
When can I start Participating in the Plan?
As soon as contributions are made on your behalf.
What is a Plan Year?
November 1st through October 31st.
SUB
What is the SUB Fund Benefit?
The SUB Fund is a supplemental unemployment benefit paid to you in addition to the unemployment benefit you receive from the state
How much is the SUB Fund Benefit?
$200 per week for a maximum of 13 weeks in a calendar year.
What are the qualification rules?
You must be receiving an unemployment benefit from the state and provide written proof of the benefit weekly to the Fund office.