Benefit Services providing professional administration of health care and retirement benefits to the members of UA Local 725 and to provide remittance support to contributing employers of MCASF. Bienvenido a la Fondos fiduciarios de beneficios del MCASF Local 725 En este sitio web, los miembros tienen acceso las 24 horas del día, los 7 días de la semana a formularios solicitados comúnmente, enlaces destacados útiles, preguntas frecuentes sobre sus beneficios y un acceso seguro a su información personal sobre beneficios. Información valiosa ¡Está a sólo un clic de distancia! Explore Your Benefits & Services PENSION DEFINED CONTRIBUTION HEALTH EMPLOYERS APPRENTICE IMPORTANT DEADLINES Due November 1st Due November 1st Due November 30th Pension Fund Annual Pension Verification View More Health Fund Annual Family Statement View More Defined Contribution Fund Employee Elective Contributions View More Whether your retirement feels far away, or is on the horizon, the benefits that will support you later in life are being built throughout your career. Each time you work covered hours, participating employers make contributions toward your retirement benefits under the Collective Bargaining Agreement between Local 725 and MCASF. Did You Know ? 24/7 Nurseline - 1-877-789-2583 Health questions can come up at any time; and you don't have to wait for answers. You'll get answers, plus helpful resources that you can use. Whether you have an immediate health concern, or a general question about your doctor's plan of treatment - the nurseline is always open. Call Now Florida Blue Learn More Member Assistance Program Learn More EyeMed ~ Vision Benefit Learn More Portal del participante Haz más en línea..... ¿Sabías que puedes cambiar tu dirección directamente en el portal o puedes actualizar tus beneficiarios? Puede completar su formulario de inscripción directamente en el portal. El formulario se completa previamente con la información que tiene registrada actualmente, por lo que es fácil actualizarlo: solo unos pocos clics y listo. Si es pensionado, puede cambiar su información bancaria en su depósito directo. Si necesita enviarnos documentos personales importantes, como un certificado de nacimiento de un recién nacido o un certificado de matrimonio de su nuevo cónyuge, ahora puede cargar esos documentos de forma segura a través del portal para participantes. Inicie sesión aquí Helping you stay connected to your benefits Benefit Services is your benefits office, and we're working to make it easier for you and your family to understand your benefits, stay informed and know where to turn for help. We're excited to introduce these practical ways to receive information about your benefits, including helpful programs and important reminders, so you can better understand what's available to you and your family. Reciba las últimas noticias en su bandeja de entrada ¡REGÍSTRATE HOY! Sign-Up Today! Monthly Benefit News Our Monthly Electronic Newsletter Reciba las últimas noticias en su bandeja de entrada ¡REGÍSTRATE HOY! Check Them Out! Benefits Insider Our Quarterly Printed Newsletter 1st Edition 2026 Manténgase informado sobre sus beneficios..... ¡Con mensajes de texto nuestros! Sign-Up for Text Messaging Yes, I want to receive text messages from Benefit Services * First name* Last name* Phone* Submit By opting into SMS from this web form or other medium, you are agreeing to receive SMS messages from Benefit Services. This includes SMS messages for customer care. Message frequency varies. Message & data rates may apply. See our privacy policy and terms of service . You can opt out at any time by texting STOP. For assistance, text HELP or utilize the Contact Us tab on this website. ¿Se está acercando a la edad de jubilación? Benefit Services está desarrollando una guía de jubilación para ayudarlo en su transición hacia la jubilación. ¡Esté atento a las próximas guías! Muy pronto

providing valuable documents for Employers of UA Local 725 & MCASF Documentos del empleador Documentos del empleador Los siguientes documentos corresponden a todas las partes del proceso de remisión de contribuciones. Si necesita algún documento que no se encuentra en la lista, comuníquese con la Oficina de Beneficios. Convenio de negociación colectiva (CBA) Política de cobro Actual Programa de salarios y beneficios: en vigencia a partir del 16 de julio de 2024 Recientemente expirado Programa de salarios y beneficios: en vigencia a partir del 16/7/23 Guía de remesas electrónicas para empleadores Envíos por correo a empleadores Los siguientes documentos corresponden a los envíos por correo o avisos que se envían a todos los empleadores contribuyentes. Si necesita un envío por correo o un aviso que no se encuentra en la lista, comuníquese con la Oficina de Beneficios. Aviso 104(d) para el PYE 31/12/23 Envíos por correo a empleadores Los siguientes documentos corresponden a todas las partes del proceso de remisión de contribuciones. Si necesita algún documento que no se encuentra en la lista, comuníquese con la Oficina de Beneficios. Aviso 104(d) para el PYE 31/12/23 TALLERES Información/Documentación para talleres para empleadores Presentada por MCASF o Benefit Services Responsabilidad por retiro - Retenido el 30/01/25

Contact information for Benefit Service, administering benefits for participants of UA Local 725 and remittances for contributing employers of MCASF. Contacto 15800 Pines Blvd., Suite Pembroke Pines, Florida 333027 754-777-7735 info@725benefits.org First Name Last Name Email Message Thanks for submitting! Send

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Benefit Services se estableció en 2018 para brindar una administración profesional, atenta y dedicada de los beneficios de atención médica y jubilación a los miembros y sus dependientes de United Association Air Conditioning and Refrigeration Pipefitters Local Union 725 y para brindar apoyo de remesas a los empleadores contribuyentes de Mechanical Contractors Association of South Florida. Las Oficinas de Servicios de Beneficios están ubicadas en 15800 Pines Blvd., Suite 201, Pembroke Pines, Florida 33027. About Our Board The Joint Boards of Trustees serves as the dedicated governing body responsible for the strategic oversight and financial safeguarding of the Taft-Hartley Employee Benefit Funds. Composed of an equal number of labor union and management representatives, this bipartisan board operates under strict ERISA fiduciary standards to ensure all decisions directly serve the best interests of plan participants and their families. By balancing diverse workplace perspectives with rigorous fiscal management, the Trustees protect the long-term stability of the members' health and welfare, and retirement plans. Through this shared commitment, the Board works to secure the members' hard-earned benefits, providing lasting financial security and peace of mind for entire membership. Board of Trustees Values Integrity Accountability Transparency Prudence Collaboration Empathy Board of Trustees Co-Chairman Kenneth E. Scott, Jr. Business Manager/FST UA Local Union 725 Co-Chairman Eduardo Llosent CEO Airtech Air Conditioning Labor Trustee Thomas A. Flavell Business Agent UA Local Union 725 Employer Trustee Julie C. Dietrich Executive Vice President Mechanical Contractors Association of South FL Labor Trustee Ralph J. Castro Journeyman South Florida Trane Employer Trustee Christopher S. Figueras President Evo Air Labor Trustee Robert T. Heslekrants General Foreman - Retired Nagelbush Mechanical Employer Trustee Gabriel Rodriguez General Manager Brophy Air Specialty Group, LLC

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Benefit Services se estableció en 2018 para brindar una administración profesional, atenta y dedicada de los beneficios de atención médica y jubilación a los miembros y sus dependientes de United Association Air Conditioning and Refrigeration Pipefitters Local Union 725 y para brindar apoyo de remesas a los empleadores contribuyentes de Mechanical Contractors Association of South Florida. Las Oficinas de Servicios de Beneficios están ubicadas en 15800 Pines Blvd., Suite 201, Pembroke Pines, Florida 33027. Los fondos Los Fondos Fiduciarios de Beneficios para Empleados son administrados y mantenidos por una Junta de Fideicomisarios, que consta de un número igual de fideicomisarios designados por los trabajadores y por la gerencia. Cada Fondo Fiduciario de Beneficios para Empleados se administra a través de los términos y disposiciones de su respectivo Documento de Plan y Acuerdo de Fideicomiso. El Consejo de Administración. Claims administration ~ When a plan contracts with a third party, such as Florida Blue, to review and manage claims, making sure they align with plan documents. Consolidated Omnibus Budget Reconciliation Act (COBRA) ~ A federal law that allows you (and your family) to temporarily continue your employer-sponsored group health insurance coverage after a qualifying event. Coinsurance: A percentage of costs you pay after meeting your deductible. Copayment ~ A fixed dollar amount you pay for specific services, like a doctor visit. Deductible ~ The amount you pay for covered services before insurance starts paying. Eligibility ~ Requirements (like hours worked) as a prerequisite to begin, or continue to receive coverage. Hour Bank ~ A simple account of accrued hours that an employee may use when they work fewer than the required hours in a month for coverage. MCASF Local 725 Health coverage requires 100 worked hours per month. In-Network Provider ~ A doctor or facility contracted with your health plan for lower costs. Out-of-Network Provider ~ A doctor or facility not contracted with your health plan, usually having higher costs. Out-of-Pocket Maximum ~ Yearly cap on what you pay for health care services. Preferred Provide Organization (PPO) ~ A plan, such as this Health Plan, that offers lower costs for in-network providers but allows out-of-network care. Pre-Authorization/Prior Authorization ~ When plan approval is required before certain services or treatments are received by you. Qualified Medical Child Support Order (QMSCO) ~ A state ordered decree under ERISA requiring an employer-sponsored health plan to cover a child, usually following a divorce or separation. Self-Insured ~ When a plan, such a this Health Plan, pays for all claims using the plan's assets and the plan controls the plan design. Fully Insured ~ When covered services are insured by a third party, like Blue Cross, United Health, etc. that pays for all claims and limits plan design changes. Nuestro equipo Los Fondos Fiduciarios de Beneficios para Empleados son administrados y mantenidos por una Junta de Fideicomisarios, que consta de un número igual de fideicomisarios designados por los trabajadores y por la gerencia. Cada Fondo Fiduciario de Beneficios para Empleados se administra a través de los términos y disposiciones de su respectivo Documento de Plan y Acuerdo de Fideicomiso.

Information regarding the Health & Welfare benefits for the participants of UA Local 725 Sus beneficios de atención médica La Junta de Fideicomisarios del Fondo Fiduciario de Salud y Bienestar del Local 725 de MCASF se complace en darle la bienvenida al sitio web de Health Care. Dentro de este sitio web, ahora tendrá acceso las 24 horas del día, los 7 días de la semana a los formularios solicitados comúnmente, enlaces destacados útiles y preguntas frecuentes sobre la información de sus beneficios. Acerca del Fondo de Salud El Fondo Fiduciario de Salud y Bienestar Local 725 de MCASF es un plan de atención médica. El Plan fue modificado y reformulado recientemente, con vigencia a partir del 1 de julio de 2021, y posteriormente puede modificarse de vez en cuando para realizar cambios necesarios y deseables. El Plan está administrado por una Junta Directiva compuesta por representantes del Sindicato Local 725 y de MCASF. Este sitio ofrece a los participantes acceso en línea a información completa sobre su Plan de Atención Médica. Annual Family Statement The MCASF Local 725 Health & Welfare Fund is committed to maintaining accurate and up-to-date information for all eligible participants and their dependent family members. To help us accomplish this, the Board of Trustees requires all eligible participants to complete and submit an Annual Family Statement each year. Why Is This Information Required? The MCASF Local 725 Health & Welfare Fund is a self-funded health plan, which means the fund pays approved claims using plan assets. The Board of Trustees has a fiduciary responsibility to ensure that these assets are used appropriately and solely for the benefit of eligible Local 725 members & their eligible dependents. The Annual Family Statement helps the Fund: * Verify that participant & dependent information is current and accurate. * Ensure benefits are being provided only to eligible individuals. * Minimize waste, fraud, and improper use of plan resources. * Help protect plan assets so they can continue providing valuable benefits to Local 725 members & their families. * Maintain accurate contact information so important benefit-related communications can reach you. Annual Submission Is Required All eligible Health Fund participants must complete and submit the Annual Family Statement each year, even if there have been no changes to your information. Failure to submit by the deadline may result in suspension of your health coverage and delays in the payment of health & prescription benefit claims. If you are adding a new dependent, you may be required to provide supporting documentation, such as birth certificate, social security card, photo ID and other applicable documentation. How to Submit Your Statement: Mail your completed statement to Benefit Services @ 15800 Pines Blvd., Suite 201, Pembroke Pines, FL 33027. You can also fax it to (754) 999-2205 or you can email it to us at info@725benefits.org Copy of the Annual Family Statement Health Plan Benefits The MCASF Local 725 Health & Welfare Plan is your health plan; it is responsible for providing your benefits and setting rules for eligibility and coverage. To deliver these benefits efficiently, the Plan partners with specialized companies that administer specific services on its behalf. These vendors handle day-to-day operations such as processing claims, managing networks, and providing customer support, but the benefits themselves are funded and governed entirely by the Plan. Below are our partners in delivering your benefits. Beneficios medicos Florida Blue proporciona su red de beneficios médicos, para localizar un médico de atención primaria participante en la red Blue Choice, llame al 1-800-664-5295 o visite su sitio web en www.floridablue.com Florida azul Our Mission Your Health Matters Navigating health care can be confusing. Our glossary simplifies common terms, making it easier for you to understand your benefits and options. We're here to help. Learn More A cancer diagnosis can bring a lot of uncertainty. You may be trying to understand unfamiliar medical information, weigh treatment options, coordinate appointments and keep track of questions for your doctors, all while managing the impact on you and your family. CancerNavigator is available through the MCASF Local 725 Health & Welfare Plan to help make that process a little easier. If you or a covered family member are diagnosed with cancer, you can connect with an oncology nurse navigator who can provide experienced, personal guidance throughout your care. Your nurse navigator can help you understand your diagnosis and treatment options, prepare for conversations with your doctors and coordinate appointments and care. They can also help you explore treatment at leading cancer centers and identify helpful local resources and services. Having someone who understands cancer care can make it easier to know what questions to ask and what questions to ask and where to turn next. Cancer care can involve may moving pieces, from appointments and treatment decisions to conversations with multiple providers. Having access to a nurse navigator gives you an additional source of support to help you prepare for those conversations, coordinate care and connect resources that may be helpful along the way. This service is available at no cost to you or your eligible dependents. You don't have to navigate cancer care alone. CancerNavigator support you or your eligible dependents: Clear explanation of diagnosis and treatment options. Assisting with scheduling appointments quickly with best centers in your area. Preparation for your upcoming doctor visits. Access to additional support, including emotional care, transportation, and community resources. To reach a Nurse Navigator today, call the dedicated MCASF 725 phone number: 754-200-0507 or by visiting www.cancernavigator.com/mcasf725 to learn more. To Read More Click to Learn More About Your Vision Benefit eLearning Digital Education website Welcome to your eLearning Digital Education website. You will find information about the health plan the MCASF Local 725 Health Fund has selected for you along with helpful videos and a library of information to help you get the most out of your benefits. To get started, view the video here, then you can jump in and view the detailed benefits. Click below to find out more information. HAGA CLIC AQUÍ PARA COMENZAR What is in your wallet? Get to know your health coverage ID Cards Haga clic aquí para obtener más información Loss of Time Benefit Read More Annual Notices SBC Notice of Privacy Practices Summary Annual Report Childrens Health Insurance Program WHCRA Notice Newborns' Act Creditable Coverage Annual Notices On these tabs you will find the Annual Notices for participants of the MCASF Local 725 Health & Welfare Trust Fund. You may also find copies of these notices on the Health Fund's "Documents" page. Summary Annual Report A Summary Annual Report (SAR) is a mandated, simplified overview of the Health Plan's Form 5500, providing participants with key financial data. It ensures transparency regarding plan management. Read the 2024 SAR Summary of Benefits & Coverage The Summary of Benefits & Coverage (SBC) document will help you choose a health plan. The SBC shows you how you & the plan would share the cost for covered health care services . Please review it carefully Notice of Privacy Practices Your Information. Your Rights. Our Responsibilities. This notice describers how medical information about you may be used and disclosed and how you can get access to this information. Please review it carefully Children's Health Insurance Program The Children's Health Insurance Program (CHIP) is a federal-state partnership providing low-cost, comprehensive health coverage to uninsured children and teens. Read CHIP Notice Women's Health & Cancer Rights Act Under WHCRA, group health plans offering mastectomy coverage for certain services relating to the mastectomy. Read WHCRA Notice Newborns' & Mothers' Health Protection Act NMHPA is a US federal law the prevents group health plans & insurers from restricting hospital stay benefits to less than 48 hours for vaginal deliveries and 96 hours for cesarean sections. Read Newborns' Act Creditable Coverage Notice This notice has information about your current prescription drug coverage and options under Medicare's prescription drug coverage Read Creditable Coverage Para tu bienestar Free confidential assistance for Local 725 members Stress, anxiety and depression Relationship and family concerns Death of a loved one Substance abuse Financial and legal referrals Crisis counseling Ulliance Life Advisor 800-448-8326 brought to you by Más información No cost to you, or your covered spouse or children. Help is available 24 hours a day, 7 days a week . ¿Se está acercando a la edad de jubilación? Benefit Services está desarrollando una guía de jubilación para ayudarlo en su transición hacia la jubilación. ¡Esté atento a las próximas guías! Muy pronto Or contact Benefit Services @ 754-777-7735 to have a copy mailed to you. Broward Health & Memorial Healthcare Systems are still out-of-network with Florida Blue Broward Health & Memorial Healthcare Systems have chosen to go out-of-network with Florida Blue. These entities are still negotiating to achieve a fair agreement. However, until that occurs, all Broward Health & Memorial hospitals, physician groups and ancillary facilities are out-of-network for your plan. Utilizing a Broward or a Memorial provider while out-of-network will result in a higher cost share for you. While the Health Fund is not part of these negotiations, we encourage you to contact Florida Blue (800) 352-2583; Memorial Healthcare System (954) 276-7676; Broward Health (888) 551-4357 and ask these entities come to a resolution now as it has affected your ability to get the healthcare services you need. View the latest updates on these negotiations: Florida Blue & Broward Health Negotiations 2025 | Florida Blue Florida Blue & Memorial Healthcare System Negotiations 2025 | Florida Blue Sus recetas ahora están siendo manejadas por Sav-Rx A partir del 1 de mayo, Sav Rx se convirtió en el administrador de beneficios de medicamentos recetados del Fondo de Salud. Debe proporcionar a su farmacia la tarjeta de identificación de Sav Rx que recibió por correo. Esta es una tarjeta de seguro de medicamentos recetados, no una tarjeta de descuento. Esté atento a esta área para obtener más información útil sobre la cobertura de medicamentos a través del Fondo de Salud. Sitio web Llamar Guía Farmacia de pedidos por correo Sav-Rx Portal del paciente Prepárese para experimentar una manera fácil y cómoda de administrar sus medicamentos. ¡El portal Sav Rx pone sus beneficios de farmacia a su alcance! Leer más Visita el portal de Sav Rx MCASF Local 725 Health Fund's Medical Claims Partner Is: Centros Florida Blue Lee mas Blog Florida Azul miami las cataratas Hialeah Fort Lauderdale / Amanecer Playa de Boynton / Playa de palmeras Puerto de Santa Lucía Blog Florida Azul Lee mas Centros Florida Blue Lee mas ADICIÓN SALUDABLE PROGRAMA PRENATAL Florida Blue ha encontrado algunas formas excelentes de ayudar a brindarle a usted y a su bebé la mejor atención disponible, incluso antes de que nazca. Más información Diseñe su camino personal hacia la salud Empieza hoy La importancia de visitar a tu dentista Aprende más Regular visits to your dentist go beyond examination of your teeth & gums. Dentists look at your head, neck, and jaw and thoroughly examine your mouth to spot early warning signs that may mean disease elsewhere in your body. Don't skip a dental checkup because of cost, time or anxiety. In the long run, missing visits will likely cost you more! Find - a - Dentist Aprende más www.floridabluedental.com Protéjase durante la temporada de gripe Obtenga más información sobre cómo evitar la gripe Más información sobre cómo evitar la queja ¿Puedo contraer la gripe por la vacuna contra la gripe? Soy joven, saludable y nunca he tenido gripe. ¿Realmente necesito una vacuna contra la gripe? ¿Cómo puedo saber si tengo un resfriado o gripe? Protéjase durante la temporada de gripe Many of the Florida Blue Centers across the state will be doing vaccine clinics with Walgreens in September and October. Those will be Thursday, September 10th; Saturday, September 26th; Thursday, October 8th; and Saturday, October 24th, all from 10:00 a.m. to 2:00 p.m. ET Flu shots are open to Florida Blue members and non-members. Vaccination costs may vary depending on your health plan and coverage. Find a Florida Blue Center by clicking here Enlaces útiles sobre atención médica Florida Blue Your Link to Florida Blue Florida Combined Life Your link to Florida Blue Dental Sav-Rx Prescription Service Your Link to Sav-Rx Prescription Services EyeMed Your link to Vision Program Ulliance Member Assistance Your link to Ulliance Life Advisor Member Assistance Medicare Your Link to Medicare CDC Your link to the Center for Disease Control Florida Dept. of Health Your link to the Florida Department of Health Health & Human Services Your link to the Department of Health & Human Services UA Pipe Pals Your link to the UA Pipe Pals Suicide & Crisis Lifeline Your link to the National Suicide & Crisis Lifeline Para más información ¡Estamos aquí para ayudar! Si tiene alguna pregunta sobre sus beneficios de salud o su elegibilidad, llámenos al (754) 777-7735 ¿A dónde debo acudir cuando necesito atención? Click on image for copy> ¿A dónde debo acudir cuando necesito atención? Click on image for copy> PAGOS COBRA COBRA A RE actualmente en la COBERTURA CONTINUA? Ahora puede realizar el pago de su prima mensual en línea con su cuenta de PayPal Fondo de salud MCASF Local 725 AHORA ACEPTA COBRA Y AUTOPAGOS A TRAVÉS DE PayPal Envíe el pago de su prima mensual haciendo clic en el botón de abajo. You do not need a PayPal account to make your payment! El cumplimiento de su Fondo de Salud con la CCA y la Ley No Sorpresas y la Transparencia en la Cobertura. Las reglas finales de Transparencia en la Cobertura exigen que los planes de salud grupales sin derechos adquiridos, como el nuestro, divulguen en un sitio web público información sobre: Tarifas negociadas dentro de la red para artículos y servicios cubiertos Monto permitido fuera de la red y cargos facturados por artículos y servicios cubiertos A partir del 1 de julio de 2022, estos archivos legibles por máquina (MRF) deben estar "disponibles públicamente y accesibles para cualquier persona de forma gratuita y sin condiciones, como el establecimiento de una cuenta de usuario, contraseña u otras credenciales o PII para acceder a la archivo" y debe actualizarse mensualmente. (Estos archivos son extremadamente grandes y la descarga de una persona se verá afectada por su hardware, navegador y velocidad de Internet) Puede acceder a estos archivos y documentos legibles  haciendo clic a continuación : 

This page answers FAQs for the Health Fund for UA Local 725 and MCASF Preguntas frecuentes Esta página contiene preguntas frecuentes sobre el Fondo de Pensiones. Si tiene alguna pregunta o inquietud con respecto a su beneficio de jubilación, comuníquese con la Oficina de Beneficios al 754-777-77353 o info@725benefits.org Fondo de pensiones Preguntas frecuentes Q. How do I become a Participant in the Plan? A. You will become a Participant on the first day of the month in which you accrue 400 Hours in Covered Employment during a period of 12 consecutive months beginning with your first day of employment ending on your first anniversary of employment. 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 former spouse complete a Qualified Domestic Relations Order (QDRO) so that the Plan can pay benefits to your former spouse. You may contact Benefit Services and request that a sample QDRO be provided to you. 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. No. Pensions cannot be assigned to a third party. The only exceptions are for payments in accordance with a "Qualified Domestic Relations Order," or on the death of the Participant to a designated beneficiary. Q. If benefits are denied, may a participant or beneficiary appeal? A. Yes. Any participant or beneficiary denied a benefit has the right to appeal to the Trustees within 60 days after the date shown on the letter of denial. The rules for filing an appeal are outlined in your Summary Plan Description (SPD). Q . How far in advance should I request an application for retirement? A. You can request an application for retirement any time during the 180 days prior to your expected retirement date but in no event, not later than the last working day of the month prior to the month in which you want to retire with this Plan. Though you can download the application on this website, you will still need the benefit option form, which details available optional benefits as well as the monthly value for those benefits. That form is provided to you from Benefit Services only. Q. In addition to the application for retirement, what other documents do I have to submit to Benefit Services? A. You will need to provide photocopies of the birth certificates for you and your spouse, copy of your marriage license, copy of photo state issued identification for you and your spouse, and copy of you and your spouse's Social Security card. If you are divorced, you are required to submit a copy of the final judgment of dissolution with copies of the marital settlement or property settlement agreement and/or a copy of the Qualified Domestic Relations Order (QDRO). 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. You can change your tax withholding as often as you wish by completing a new W-4P which can be obtained from Benefit Services or downloaded from the website. Once this form is completed, you must return it to Benefit Services for implementation. You may submit your W-4P form through the Participant Portal. 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. You can change your direct deposit information by completing a new Direct Deposit Form which can be obtained from Benefit Services or downloaded from the website. Once this form is completed, you must return it to Benefit Services for implementation. You may also change your bank account online through the Participant Portal. Q. I am thinking of retiring, what is the earliest age I can retire? A. A member can retire as early as age 55 as long as you have 10 vesting credits. If you retire early, your benefit will be reduced for every month you retire prior to the normal retirement age of 65. Also, if you retire early, you may not work in the trade, craft, industry anywhere in the United States and continue to receive your monthly benefit, you will be suspended until you are no longer working. You should contact Benefit Services to discuss your eligibility for early retirement. 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 three ways: a) Mail or fax a letter to Benefit Services with your new address or b) Complete the Address Change Form located on this website and mail or fax to Benefit Services for processing. c) Log into your Participant Portal and complete the address change form online. Q. I am age 65 and I'm contemplating retiring, can I still work for my employer and receive my monthly pension benefit? A. If you are age 65 and want to retire and continue to work for a Local 725 contributing employer, YES, you can receive your monthly pension benefit and continue to work for your Local 725 contributing employer. There is no restriction of the number of hours you can work for that Local 725 contributing employer either and still receive your pension. Q. Whom should I contact if I'm getting a divorce and what documents do I need to submit? A. Please call Benefit Services and advise the Retirement Services and Healthcare Departments that you are getting a divorce or have already gotten divorced. You will also need to submit a FULL copy of your Dissolution of Marriage Judgment, QDRO (Qualified Domestic Relations Order) Martial Settlement or Property Settlement Agreement and any Qualified Medical Child Support Order to this office. Don't forget to contact the Union Hall (305) 681-8596 to provide them with a copy of your divorce decree. Benefit Services does not and cannot provide a copy to the Union Hall without your written approval to share that information/documentation. Q. I am age 65, retired and still am working for my employer, does my pension get adjusted for the work I am doing now? A. Yes, an age 65+ working retiree, will have their monthly pension benefit adjusted for the work they are doing in a Plan Year as long as you work at least 400 hour in the plan year, which runs January through December. Each February, Benefit Services reviews all working retirees of Local 725 contributing employers and recalculates their monthly pension benefit based on the hours worked and contributions received on your behalf. Q. Do I have to complete the Pension Verification Statement I received in the mail? A. Yes, the Pension Plan Rules requires periodic certification of all participant's retirement status for the previous 12 months. Failing to complete the statement by November 1st will result in a suspension of your future benefit payments until Benefit Services receives your completed Verification Statement. Contact Retirement Services for any additional questions you may have about your pension benefit.

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Contratistas profesionales, capacitados y orgullosos de pertenecer al sindicato. Sindicato Local 725 de Instaladores de Tuberías El sindicato local 725 de instaladores de aire acondicionado, refrigeración y tuberías de United Association representa a más de 1200 miembros en el área del sur de Florida que trabajan en la industria de aire acondicionado, refrigeración y sistemas mecánicos. El trabajo del sindicato local 725 abarca la instalación, modernización, mantenimiento y reparación de plantas de tratamiento de agua y alcantarillado, instalaciones de tuberías de combustible para aeropuertos, instalaciones de tuberías de tinta para plantas de periódicos, sistemas de amoníaco y glicol para cámaras frigoríficas y pistas de hielo, plantas farmacéuticas y muchas otras. Fundado el 22 de junio de 1950, la jurisdicción del Sindicato Local 725 abarca los condados de Miami-Dade, Broward y Monroe, así como la jurisdicción en 4 condados costeros de la costa oeste de Florida; Collier, Lee, Charlotte y Sarasota para todos los servicios mecánicos de HVAC. El centro de capacitación del Local 725, ARPEC (Centro de Educación en Aire Acondicionado, Refrigeración y Montaje de Tuberías) tiene profundas raíces en el estado de Florida y se registró por primera vez como programa de aprendizaje el 11 de octubre de 1949. Desde entonces, ARPEC ha seguido siendo uno de los programas de aprendizaje más respetados en los Estados Unidos y Canadá. Visita el sitio web de UA 725 Visita el sitio web de UA 725

providing answers to FAQs for Employers of UA Local 725 & MCASF Preguntas frecuentes Esta página contiene preguntas frecuentes sobre los servicios para empleadores. Si tiene alguna pregunta o inquietud con respecto a los servicios para empleadores, debe comunicarse con Servicios de Beneficios al 754-777-7735 o info@725benefits.org Servicios para empleadores Preguntas frecuentes Q. Can I remit my contribution reports weekly? A. Yes, you can elect to remit your reports weekly. Please be advise that your reports are due within 10 working days from the weekly payroll period. Q. I have questions concerning the Collective Bargaining Agreement? A. You should contact Julie Dietrich with the Mechanical Contractors Association of South Florida at j.dietrich@mcasf.org or at (305) 290-3970 . Q. I have a small company and I report weekly, can I report two pay periods on one report? A. No, if you report two payroll periods on one report, the first week of that report will be deemed late as it will be received after 10 working days following the end of that payroll period. Q. If I am late with my remittance report and payment, is there a penalty? A. Yes, if your report and payment is received after 10 working days after the weekly payroll period end or month end period, a late fee will be assessed. Refer to the Collection Policy on the Documents link. Q. What is the late remittance penalty? A. The following provisions apply to the assessment and payment of the late payment assessment: 1) If you have not been late more than two times in a twelve month period, the fee shall be 10% of the contributions total amount due. 2) If you have been late three times in a twelve month period, the fee shall be 15% of the contributions total amount due. 3) If you have been late more than three times in a twelve month period, the fee shall be 20% of the contributions total amount due. Q. Am I required to have a bond? A. Yes, all employers are required to submit a bond. $1,800.00 per employee ($2,500 beginning 1/1/26) if you report weekly or $4,000.00 per employee ($6,000 beginning 1/1/26) if you report monthly. Benefit Services will provide you with your requirement bond amount, which is reviewed every 6 months. If there is no change in your required amount, you must submit your "Continuation Certificate" each year. Q. Can I remit my reports through the mail? A. No, all contractors must submit their remittance reports online through the employer portal. Please contact Benefit Services for assistance with logging into the portal. Q. Can I make my payment electronically? A. Yes, you can submit your payment via ACH or Wire transfer. If you need to send a check, please contact Benefit Services for assistance. Q. How do I know if my employee elected to contribute to the DC Fund? A. Benefit Services sends each contractor a list of their Local 725 members who elected to contribute to the DC Fund. The election period is October 1st through November 30th each year for the following year and the list is mailed to you before the end of December so you can program the member's payroll deduction accordingly. You may get a new employee during the year and that employee's referral will list his/her DC elective. Also, the employee is responsible to inform his new employer of his/her election and you can also contact Benefit Services to obtain that information. Q. I have an employee who elected to contribute to the DC Fund, is there any penalty if my remittance report is late? A. The Department of Labor requires that employee 401(k) elective deferral contributions must be deposited into the Plan in a timely fashion. The CBA dictates that elective deferral contributions are considered timely if they are received at the Benefit Office within 10 working days following the end of the payroll period and that failure to timely deposit employee elective deferral contributions results in a prohibited transaction under Section 4975 and Form 5530 (Return of Excise Taxes Related to Employee Benefit Plans) must be filed by the employer responsible to deposit those elective deferral contributions timely. Q. I'm an Owner-Operator, is there an hourly requirement that I must remit? A. Yes, you must submit the actual number of hours worked, however, you must remit minimum of 40 hours a week, 52 weeks a year. If you are remitting monthly reports, you would remit your contributions on a minimum of 173.33 hours per month. Q. For an Owner-Operator, am I required to remit on a certain number of bargained employees? A. Yes, you must remit on at least one apprentice or one journeyman in addition to yourself. Q. When is the next wage & benefit rate increase? A. The Wage & Benefit rate increases generally occur on July 16th of each year. Q. If I am on a Participation Agreement with the Health Fund, am I required to provided coverage to all my non-bargained staff? A. Yes, all non-bargained employees must be given coverage for any employer utilizing a Participation Agreement. Q. On the remittance form, there is a reporting fee...what is this? A. An employer shall pay the Service Corporation a processing fee per weekly or monthly reporting period determined by the Service Corporation, which fee shall be added to contribution reports & payments as noted in "Article XI: Fringe Benefits, section 11.01, paragraph F. Contribution Reporting Fee" in the CBA. The current processing fee is $6.00 per reporting period, this fee was previously invoiced separately quarterly to employer, beginning with the 7/19/19 wage & benefit schedule, this fee has been added directly to the remittance form. Q. I received a letter indicating my company has been selected for an audit, what does this mean? A. The Trustees of the Service Corporation in conjunction with the Employee Benefit Trust Funds has established a Collection Policy to ensure the effective and efficient collection of contributions from employers. To monitor and ensure proper compliance with the CBA, the Funds have established a payroll (shop) audit program. This program allows an independent auditor to inspect/examine pertinent business records to ensure compliance. The program has randomly selects contributing employers monthly to examine their records once every three years. The current independent auditor is Novak Francella, LLC, who conducts the audits either electronic submission or in person. Q. What records to I have to provide for a payroll (shop) audit? A. The pertinent business records that the independent auditor (Novak Francella) include but not limited to: * Payroll books and records, including weekly payroll records; * IRS forms 941; * IRS forms 1099; * IRS forms 940; * Daily time sheet records; * General Ledger and cash disbursement records; * Florida tax form UTC-6; * Any other records or documents that are deemed necessary to complete the audit. Q. Do I have to comply with a payroll (shop) audit? A. Yes, any employer that fails to cooperate in any examination authorized by the Funds shall be responsible for all of the costs and attorney fees incurred in compelling the employer's compliance. Q. What if the audit shows an underpayment? A. If the examination of your books and records reveals that an amount is due, then in addition to all other assessments due to such underpayment, the employer shall pay the cost to have performed the audit and any attorney or collection fees incurred.

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Contratistas profesionales, capacitados y orgullosos de pertenecer al sindicato. Asociación de Contratistas Mecánicos del Sur de Florida La Asociación de Contratistas Mecánicos del Sur de Florida es una asociación que representa a los contratistas que construyen y dan servicio a sistemas de calefacción, ventilación, aire acondicionado, refrigeración y tuberías en las áreas metropolitanas de Miami y Ft. Lauderdale y sus suburbios, así como en los Cayos de Florida. A través de la educación, la representación legislativa, la negociación y las oportunidades de establecer contactos, la MCASF ayuda a nuestros contratistas miembros a orientar sus empresas en la dirección correcta para el futuro. La MCASF está afiliada a la Asociación de Contratistas Mecánicos de Estados Unidos y a los Contratistas de Servicios Mecánicos de Estados Unidos, y nuestros contratistas miembros son signatarios del Sindicato Local 725 de Instaladores de Tuberías de Aire Acondicionado y Refrigeración de la Asociación Unida. Visita el sitio web de MCASF

Where should you go for medical help? A quick guide to ERs, urgent care centers, primary care clinics and more You can save time and money by choosing the right place to get medical care. If you're not feeling well or you've had an accident, should you head to the ER, an urgent care clinic, or call your primary care doctor? Knowing when and where to get the care you need can help you get help fast while saving money. Treatment at a hospital ER is typically the most expensive option, and depending on your condition, you may have to wait hours to get the help you need. Learn more about your options and how to choose the right place to get medical care. Learn More Know when to go to the ER "ACT FAST" is a helpful acrostics guide for the conditions that call for a visit to the ER. You should call 911 or go directly to an ER for the following conditions: A = ACCIDENT. Serious injuries, broken bones or severe bleeding C = CHEST PAIN . Could signal a heart attack or other serios cause. Don't delay! T = TROUBLE BREATHING. Asthma, an allergic reaction, or poisoning F = FAINTING. Dizziness, fainting, sudden weakness could indicate a stroke A = ALLERGIC REACTION with SWELLING or TROUBLE BREATHING. Reactions to bee & insect stings, or medication and food could be causes S = SUDDEN. Any condition that comes on quickly, including sudden weakness or confusion T = TIME SENSITIVE . Things like strokes and heart attacks need immediate care If you are in an ACT FAST category, those are good reasons to go to the Emergency Department. Don't sit at home and not get the emergency care when you need it and miss the opportunity to get care with the best outcome. A stroke has better treatment options and outcomes if its treated in the first four hours and not a couple of days later. But the ER is not the right place to go for help with routine medical concerns. ER staff care for the most critically injured patients first, they prioritize care based on how critically ill the person is and showing up with a condition that can be treated elsewhere can drain resources for those who really need them. Urgent Care can help with things that can't wait Urgent Care clinics treat sprains, minor infections and other complaints that need attention quickly but aren't life-threatening. Providers at urgent care often help patients more quickly than doctors at a hospital ER. Many have extended hours, so they're often open on evenings and weekends when your primary care provider is closed. Some urgent care clinics offer X-ray and lab services, while others do not. It can help to call ahead. Primary Care providers help with preventive care and handle long-term health issues Your primary care provider should be your key partner in keeping you healthy and helping you stay on top of routine items like vaccinations and health screenings. You should create a strong relationship with your primary care provider and schedule regular checkups. The better your doctor know you, the healthier you will be. And if you get sick with a case of the flu or you need a refill on a prescription, you can call your doctor's office for help. Primary care clinics are not the best place to get help for an emergency, and if you show up with one, the nurse or medical assistant will likely send you to urgent care of the ER. If you are not sure where to go for care, you can call your doctor's office for guidance. Virtual Visits Access to see doctors online expanded greatly during the COVD-19 pandemic. Virtual visits enable patients to connect directly with your medical provider using a computer, a tablet, a smart phone or other electronic device, through a secure video connection. Be wary of using the internet to diagnose your self Many people use Google or AI (artificial intelligence) to learn more about medical conditions and treatment. You can find some good, general health information online, but be sure you are getting information from legit health experts. You shouldn't use AI to research an acute condition, determine a diagnosis or replace regular medical care. Beware of misinformation, which is rampant on social media. It is always best to consult with your primary care provider not the internet. Know Where to Get the Care You Need....

This page provides valuable documents for the Pension Fund for UA Local 725 & MCASF Documentos de pensión Formularios de pensión 1 Formularios estándar Formulario de retención de impuestos federales sobre la renta (W-4P) - Rellenable Formulario de depósito directo Formulario de elección de beneficiario formulario de selección de beneficiarios Formulario de verificación de cambio de dirección formulario de cambio de dirección 2 Aplicaciones Solicitud de prestaciones de jubilación para una persona casada (Deberá comunicarse con la Oficina de Beneficios para conocer sus opciones y valores de beneficios antes de enviar su solicitud) Solicitud de prestaciones de jubilación para una persona soltera (Deberá comunicarse con la Oficina de Beneficios para conocer sus opciones y valores de beneficios antes de enviar su solicitud) Solicitud de beneficios para el cónyuge sobreviviente Solicitud de beneficiario alternativo para beneficios (QDRO) 3 Formularios de verificación anual Formularios de verificación para miembros jubilados Formulario de verificación de jubilación para el año 2024 Formularios de verificación para cónyuges sobrevivientes y beneficiarios Formulario de verificación de jubilación para el año 2024 ¿Necesita ayuda para completar su solicitud de pensión? ¿Está mirando el paquete de solicitud de pensión y se pregunta cómo completarlo? ¿Se pregunta qué poner en qué sección? Benefit Services ha desarrollado los videos a continuación para ayudarlo a completar su solicitud de pensión. Para participantes casados Para participantes individuales Documentos del plan de pensiones Los siguientes documentos corresponden a todas las partes del plan. Si hay algún documento que necesita y que no se encuentra en la lista, comuníquese con la Oficina de Beneficios. Documento del Plan del Fondo Fiduciario de Pensiones ACRA Local 725 Aviso de financiamiento anual Año del plan 2019 Aviso de financiamiento anual Año del plan 2018 Aviso de financiamiento anual Año del plan 2017 ¿Se está acercando a la edad de jubilación? Benefit Services está desarrollando una guía de jubilación para ayudarlo en su transición hacia la jubilación. ¡Esté atento a las próximas guías! Muy pronto Envíos de pensiones por correo - Avisos Los siguientes documentos corresponden a los envíos por correo o avisos que se envían a todos los participantes del plan. Si necesita algún envío por correo o aviso que no se encuentra en la lista, comuníquese con la Oficina de Beneficios. Aviso de financiación anual Año del plan 2020 Aviso de financiación anual Año del plan 2019 Aviso de financiación anual Año del plan 2018 Aviso de financiación anual Año del plan 2017 IRS - Cambios requeridos al formulario W-4P en 2023