Tuesday, October 20, 2020

Frequently Asked Questions


Health Care




Q.

Who is eligible to become a Participant in the Plan?

A.

Apprentices and Active members who have met the required monthly premium as established by the Trustees.

Q.

What if I don’t work enough hours to gain eligibility for the month?

A.

Members are eligible to make a self-payment and/or apply for the Benevolent Fund.

Q.

How do I maintain my monthly Health Care coverage?

A.

Contributions equal to the required monthly premium cost as established by the Trustees must be made on your behalf.

Q.

How do I make a payment towards the continuation of my Health Care coverage?

A.

You can write a check to Plumbers Local 55 Health and Welfare Fund and mail it to the Fund Office at P.O. Box 99427, Troy, MI 48099-9427.

Q.

Whom should I call if I have questions about my Health Care eligibility?

A.

Please call the Fund Office Eligibility Department at (844) 344-2715.

Q.

Who are my eligible dependents?

A.

A covered employee’s lawful spouse, a covered employee’s child or dependent as allowed under the plan.

Q.

Will my child(ren) who is/are age 19 through age 26 be covered under the Plan?

A.

Yes, if they are not eligible for employer sponsored coverage other than that from either parent.

Q.

How do I add my new baby or spouse to my insurance plan?

A.

You will need to submit a vital form, a birth certificate, or marriage certificate to the Fund Office.

Q.

Whom should I contact if I'm getting a divorce and what documents do I need to submit?

A.

Please call the Fund Office Eligibility Department at (844) 344-2715 and the Pension Department at (216) 503-1184.

Q.

How do I obtain a replacement Medical and Prescription Card?

A.

Please call the Fund Office Eligibility Department at (844) 344-2715.

Q.

How do I inquire about the status of my medical claim?

A.

Contact Medical Mutual of Ohio at (800) 382-5729.

Pension



Q.

How do I become a Participant in the Plan?

A.

You will become a participant in the Plan on the Entry Date coincident with or next following the date on which you complete at least one hour of work in covered employment. Plan entry dates are: January 1, April 1, July1 and October 1 of each year.

Q.

I am going through a divorce, what happens to my pension?

A.

Please provide the Fund Office with a complete copy of the Judgment of Divorce and Settlement Agreement (if applicable). If a portion of your benefit is assigned to your former spouse, a Qualified Domestic Order would be required

Q.

Does the Pension Plan affect Social Security benefits in any way?

A.

No.

Q.

Can pensions be paid or assigned or garnered to others?

A.

Your benefits under the Plan may not be sold, used as collateral for a loan, given away or transferred. Your collectors may not attach, garnish or otherwise interfere with your benefits before they are paid to you except to the extent specifically provided by, or consistent with applicable Federal Law.

Q.

If benefits are denied, may a retiree or beneficiary appeal?

A.

You may submit a written appeal letter to the Administrative Manager for the Board of Trustees. The notice must be received one hundred eighty (180) days of the receipt of the notice of denial.

Q.

How far in advance should I request an application for retirement?

A.

60 days.

Q.

In addition to the application for retirement, what other documents do I have to submit to the Fund office?

A.

A copy of a Photo ID and birth certificate for you and your spouse, if applicable. A copy of your Marriage Certificate, if married. A complete copy of any divorce decree or death certificate.

Q.

I am currently receiving a monthly pension benefit from the Plan and would like to change the tax withholding. What needs to be done?

A.

A Federal W4-P form is required to change the withholding amount. You may change your withholding at any time during the year, contact the Fund office for the tax form.

Q.

I am currently receiving a monthly pension benefit from the Plan and would like to change the bank account information. How do I change this information?

A.

Please contact the Fund office for a Direct Deposit form.

Q.

I am currently receiving a monthly pension benefit from the Plan, what happens if I do not receive my check?

A.

Please allow 10 days for the Post Office to deliver your check. After 10 days, please contact the Fund office. The fund provides Direct Deposit to prevent a delay in receiving the monthly benefit. Direct Deposit statements are sent monthly to confirm your benefit has been deposited.

Q.

I recently moved, how do I change my address?

A.

Notify the fund office immediately of any address changes. For your protection, it is our policy to temporarily stop the monthly benefit when we receive return mail and unable to reach you. EVEN IF YOU HAVE DIRECT DEPOSIT, your benefit will be stopped until we are able to locate you.

Q.

Whom should I contact if I'm getting a divorce and what documents do I need to submit?

A.

Please contact the Fund Office.

DCRP



Q.

How do I become a Participant in the Plan?

A.

You will become a participant in the Plan on the Entry Date coincident with or next following the date on which you complete at least one hours of work in covered employment. Plan entry dates are: January 1, April 1, July1 and October 1 of each year.

Q.

I am going through a divorce, what happens to my Defined Contribution Account?

A.

Please provide the Fund Office with a complete copy of the Judgment of Divorce and Settlement Agreement (if applicable). If a portion of your benefit is assigned to your former spouse, a Qualified Domestic Order would be required.

Q.

Does the Defined Contribution Plan affect Social Security benefits in any way?

A.

No.

Q.

Can Defined Contribution Plans be paid or assigned or garnered to others?

A.

Your benefits under the Plan may not be sold, used as collateral for a loan, given away or transferred. Your collectors may not attach, garnish or otherwise interfere with your benefits before they are paid to you except to the extent specifically provided by, or consistent with applicable Federal Law.

Q.

If benefits are denied, may a retiree or beneficiary appeal?

A.

You may submit a written appeal letter to the Administrative Manager for the Board of Trustees. The notice must be received one hundred eighty (180) days of the receipt of the notice of denial.

Q.

How far in advance should I request an application for retirement?

A.

60 days.

Q.

In addition to the application for retirement, what other documents do I have to submit to the Fund office?

A.

A copy of a Photo ID and birth certificate for you and your spouse, if applicable. A copy of your Marriage Certificate, if married. A complete copy of any divorce decree or death certificate.

Q.

I am currently receiving a monthly pension benefit from the Plan and would like to change the tax withholding. What needs to be done?

A.

N/A.

Q.

I am currently receiving a monthly installment from the Plan and would like to change the bank account information. How do I change this information?

A.

Please contact the Fund office for a Direct Deposit Form or contact John Hancock at 800-294-3575.

Q.

I am currently receiving a monthly installment from the Plan, what happens if I do not receive my check?

A.

Please contact the Fund office or John Hancock at 800-294-3575.

Q.

I recently moved, how do I change my address?

A.

Please contact the Fund Office.

Q.

Whom should I contact if I'm getting a divorce and what documents do I need to submit?

A.

Please contact the Fund Office.

Q.

May I take a loan from the Defined Contribution Fund?

A.

Logon to the John Hancock website for eligibility and to complete the loan application. The completed loan application will be sent to you in the mail. Once you receive the application, please forward it to the Fund Office.

Q.

When may I withdraw my Defined Contribution Account?

A.

You are eligible to withdraw the funds when you reach Normal Retirement Age and have retired; Termination of employment and not worked in covered employment for 24 consecutive months; or Disability Social Security Award letter required.

Q.

How are benefits paid from the Defined Contribution Plan?

A.

The normal form of benefit for a single member is the single life annuity and a 50% Qualified Joint and Survivor Annuity for Married members. Optional forms of benefit include a Lump Sum, Installment Payments (Monthly or Annual), and Partial Payments (limited to 6 per calendar year, balances under $500 are paid in full).

Q.

What happens to my Account when I die?

A.

The benefit would be payable to your designated beneficiary. If no beneficiary is listed, benefit would be paid to your surviving spouse, if no spouse, surviving children, of no children, then to your Estate.