Wednesday, April 1, 2026

Frequently Asked Questions

Health Care

Q. When do I become eligible for benefits?
A. You must work three hundred (300) hours or more in one quarter which gives eligibility on the first day of the third (3rd) month following. Eligibility continues for the Benefit Quarter.
Hours worked In: Calendar Quarter
January, February, & March
April, May & June
July, August, September
October, November, & December 		Gives Eligibility In: Benefit Quarter
June, July, & August
September, October, & November
December, January, & February
March, April, & May
Q. How do I maintain my monthly health care coverage?
A. You must work Three hundred (300) hours in the calendar quarter, or Six hundred (600) hours in the immediate two (2) calendar quarters, or Nine hundred (900) hours in the immediate three (3) calendar quarters, or One thousand two hundred (1,200) hours in the immediate four (4) calendar quarters.
Q. What if I don’t work enough hours to gain eligibility for the month?
A. While you are working, any hours you work over 300 per quarter will accumulate in a Reserve Dollar Bank up to a maximum of $2025.00 to use to maintain your coverage if your work hours fall short or you become unemployed. Once your Reserve Dollar Bank is depleted, you will be able to make timely self payments to remain eligible.
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Pension

Q. I am going through a divorce, what happens to my pension?
A. If your former spouse is awarded a portion of your earned benefit through the Plan, it will be necessary that you and your spouse complete a Qualified Domestic Relations Order (QDRO) so that the Plan can pay benefits to your former spouse. We strongly recommend that you or your attorney submits any proposed QDRO to the Fund Office for review by Legal Counsel before it is file with the Court House. You may also contact the Fund Office and request that a Sample QDRO be provided to you.
Q. I recently moved, how do I change my address?
A. For your protection, all address changes must be submitted in writing. You can change your address in one of two ways:
a) Mail or fax a letter to the Fund Office with your new address, or
b) Complete the Address Change Form located on the website for your convenience and return to the Fund Office.
Q. Can my pension be paid out in one lump sum?
A. Generally no, this is a Defined Benefit Pension Plan which provides you, the participant, a monthly benefit payable for your lifetime. However the Plan also provides for the distribution of your vested benefit in the form of a single sum payment if the actuarially equivalent present value of all benefits payable to you under the Plan is less than $1,000.00. For more information please contact the Pension Department by calling (855) 641-4966.
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Annuity

Q. Who is eligible to become a Participant in the Plan?
A. You are eligible to participate in the Plan if you work for an employer that is required to make contributions to the Annuity Plan for the work you perform. For most Participants, this means working in a position covered by a collective bargaining agreement between the employer and the union.
Q. When can I start Participating in the Plan?
A. You become a Participant in the Plan as of the day you complete one hundred (100) hours of work in Covered Employment within any Plan Year.
Q. What is the Plan Year?
A. The Plan Year is June 1st through May 31st.
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