Monday, September 27, 2021

Frequently Asked Questions


Health Care

Q. What do I need to do if I am working under a Local outside Local 4's area and need my hours transferred to Local 4?
A. To have your employer contributions transferred from the Local you are working under to Local 4 please complete the Reciprocity Form under the Health and Welfare Forms section of this page and turn it into the Local you are working under so that your hours can be transferred back to your home Local (Local 4).
Q. Will my child(ren) who is/are under the age of 26 be covered under the Plan?
A. As of May 1, 2011 dependents under the age of 26 are now covered under an eligible participant's plan regardless of the dependent child's full time student status.
Q. Who are my eligible dependents?
A. The term "Dependent" means: a) the Covered Employee's lawful spouse or registered same sex domestic partner in accordance with AB 2208 (opposite sex at age 62 or older), except for those benefits set forth in Articles III, IV, V, VI, VIII, XI, XVI and XVII; b) the Covered Employee's children, from birth to age 26, including step-children, adopted children and foster children. Adult children who are eligible to enroll in an employer-based group health plan provided by their employer or the employer of their spouse are not eligible for coverage.

Please contact the Trust Fund Office if you have any questions regarding whether an individual will qualify as a Dependent under the Plan.

*Please note per plan rules The Fund will not cover dependents of Mason Finishers under any circumstances
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Pension

Q. Why do I need to submit a copy of my spouse's birth certificate and marriage certificate, if we were not married during the time I worked under covered employment?
A. If you are married during the time of distribution, then your spouse is also eligible for benefits. Therefore we need the birth certificate to verify your spouse's age and use the correct factors for your calculation.
Q. How many years do I need to become vested?
A. You need 5 years of Pension Credits or 5 years of Vesting Service.
Q. Can I change my address, tax withholding, or bank information over the phone?
A. No, due to HIPPA you would need to contact the administrative office and request the appropriate forms.
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LA Defined Contribution

Q. Why do I need to submit a copy of my spouse's birth certificate and marriage certificate, if we were not married during the time I worked under covered employment?
A. If you are married during the time of distribution, then your spouse is also eligible for benefits. Therefore we need the birth certificate to verify your spouse's age.
Q. Can I change my address, tax withholding, or bank information over the phone?
A. No, due to HIPPA you would need to contact the administrative office and request the appropriate forms.
Q. Does the plan allow hardship?
A. No, the plan does not allow for a hardship.
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SBM Defined Contribution

Q. When do I become eligible for benefits?
A. You are immediately, 100% vested in your account with the first contribution made on your behalf by your employer to the Pension Trust Fund. There is no length of service required for vesting.
Q. When can I start Participating in the Plan?
A. Membership is automatic with the first pension contribution made on your behalf by your employer.
Q. What is a Plan Year?
A. The fiscal records for the Plan are kept on a 12-month period from January 1 ending on December 31.
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Local 11 Defined Contribution

Q. When do I become eligible for benefits?
A. You are immediately, 100% vested in your account with the first contribution made on your behalf by your employer to the Pension Trust Fund. There is no length of service required for vesting.
Q. When can I start Participating in the Plan?
A. Membership is automatic with the first pension contribution made on your behalf by your employer.
Q. What is a Plan Year?
A. The fiscal records for the Plan are kept on a 12-month period from April 1 ending on May 31.
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