Thursday, January 29, 2026

Frequently Asked Questions

Health Care

Q. Are the eligibility requirements the same for Owner-Operators?
A. No. Owner-Operators contributing on their own behalf must have at least 520 hours of contribution for any three consecutive months in the same periods noted above.
Q. How does future eligibility work?
A. You will remain eligible for at least three months. Your eligibility will continue for succeeding three month intervals as long as the required contributions are made on your behalf..
Q. Is vision coverage included in the Plan?
A. Yes. Vision expenses are included up to a maximum benefit in a 24 month period.
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Vacation

Q. Where can I find the amount of Supplemental Dues to claim as a tax deduction?
A. The amount of Supplemental Dues paid in a calendar year will appear on the following January monthly status report which is issued in February.
Q. Can I have my Early Issue Vacation check direct deposited?
A. No. Direct Deposit is only an option for the Annual Distribution.
Q. Are there any deductibles withheld from my vacation check?
A. Taxes are not withheld from your vacation check. However, if you signed a PAC agreement, a deduction of $.05 per hour worked is withheld from your check.
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Pension

Q. What is a Pension Credit?
A. Pension Credits are used to determine your eligibility for a monthly pension benefit at retirement.
Q. What is Vesting Service?
A. Years of Vesting Service are used to determine when you can no longer lose your eligibility for a benefit. You earn one year of Vesting Service for each year during the Contribution Period in which you complete1000 hours of service in Covered Employment. Once you are vested, you cannot lose your accumulated service towards retirement from the plan. Beginning May 1, 1998, all active employees will become vested after they have earned 5 years of Vesting Service.
Q. When will I be eligible to begin receiving Pension Benefits?
A. Effective May 1, 1998, you will be eligible for a Regular Pension when you attain age 62 and have earned 5 or more Vesting Credits.
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Annuity

Q. Who is covered under the Annuity Fund?
A. All employees working for employers whose Collective Bargaining Agreement obligates them to contribute to the Fund are covered.
Q. How does the Fund work?
A. Individual Accounts are established for all employees for whom employer contributions are made. These employees become Participants in the Plan. All employer contributions made on the Participants behalf are credited to that Participants Individual Account.
Q. Can I borrow against the Annuity Fund?
A. No. Because your individual Account is a part of an accumulated share in the Annuity Fund, the Individual Account holds no loan value.
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