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This pages provides answers to FAQs for the Health Fund for UA Local 725 & MCASF. Preguntas frecuentes Esta página contiene preguntas frecuentes sobre el Fondo de Salud. Si tiene alguna pregunta o inquietud con respecto a su cobertura de salud, comuníquese con la Oficina de Beneficios al 754-777-7735 o info@725benefits.org Fondo de Salud Preguntas frecuentes Q. Who are my eligible dependents? A. Your lawful spouse; Your biological children up to age 26; Your legally adopted children up to age 26; Your step-children up to age 26; and Child for whom you have been appointed legal guardian by court for length of guardianship or to age 26, which occurs first Q. When do I become eligible for benefits? A. You will become initially eligible for benefits on the 1st day of the month after you have accumulated contributions paid by your employer of 400 or more employment hours during a 5 consecutive month period. Q. How do I maintain my continued health care coverage? A. Once you have passed initial eligibility, to maintain your coverage, you must work at least 100 hours per month. If you do not work 100 hours per month but have sufficient hours in your hour bank to make up the difference, your coverage will be continued. Q. I worked over the amount of hours needed for coverage, what happens to those additional hours? A. For any hours you work over 100 in a month, those exceeded hours are placed into your "hour bank", the maximum amount of exceeded hours allowed to be placed in the hour bank is 1,000 hours (10 months of coverage). You may utilize hours in your hour bank to assist you in maintaining coverage (i.e. You only worked 60 hours in a month, so you will be short by 40 hours for coverage but your hour bank has a balance of 200 hours. The Fund will withdrawal 40 hours from your bank and add those hours to the 60 hours you work to ensure you have continued coverage. After the withdrawal, your hour bank balance will be 160 hours). Q. How do I add my new baby or spouse to my insurance plan? A. You must submit a completed, signed Enrollment & Vital Information Form along with other required legal documentation to Benefit Services. You can download the Enrollment & Vital Information Form located under Health Care Document section on this website and mail it into Benefit Services. You must enroll your new dependent within 30 days of birth, adoption, marriage or other important life changes. Documents Required Are : (you must provide these documents or your dependent will not be covered) Spouse: copy of your marriage certificate, copy of spouse's photo ID, copy of spouse's Social Security Card Child : copy of your child’s birth certificate, copy of child's Social Security Card, copy of child's photo ID (if applicable) Step-child : copy of legal decree for coverage, copy of recent tax return, child’s birth certificate, copy of child's Social Security Card, copy of child's photo ID (if applicable) Adopted child: copy of legal decree of adoption, copy of child's Social Security Card, copy of child's photo ID (if applicable) Child for whom you have been appointed their legal guardian: original copy of legal guardianship documents, copy of child's Social Security Card, copy of child's photo ID (if applicable) If Temporary guardianship, status updates will be required every 6 months Failure to remit the required enrollment & vital information form and documents will delay your dependent from getting on coverage. Q. How do I add my spouse to my healthcare benefit? A. Please contact Benefit Services at (754) 777-7735 for more information. You may also download an Enrollment & Vital Information form located under Health Care Documents section on this website. Once downloaded, complete the enrollment & vital information form in its entirety and submit a copy of your marriage certificate, a copy of spouse's photo ID and copy of spouse's Social Security Card. Failure to remit the required enrollment & vital information form and documents will delay your spouse from getting on coverage. Q. How do I add my newborn child to my healthcare benefit? A. Please contact Benefit Services at (754) 777-7735 for more information. You may also download an Enrollment & Vital Information form located under Health Care Documents section on this website. Once downloaded, complete the enrollment & vital information form in its entirety and submit a copy of your newborn child’s birth certificate and copy of child's Social Security Card when available. You must enroll your newborn child within 30 days of birth. Failure to remit the required enrollment & vital information form and documents will delay your newborn child from getting on coverage. Q. Whom should I contact if I'm getting a divorced and what documents do I need to submit? A. Please call Benefit Services and advise the Healthcare and Retirement Services Departments that you are getting a divorce or have already gotten divorced. You will also need to submit a FULL copy of your Judgment of Divorce, Marital Assets/Property Agreements and orders or decrees to the Benefit Office. You should request a new beneficiary form. 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 a first year Apprentice, do I get health coverage? A. No health coverage is not available for first year apprentices. When you advance to a second year apprentice, you will be come eligible for health coverage after 1 hour of work as an Apprentice 2nd year is remitted on your behalf. Eligibility begins on the first day of the month following receipt of that 1 hour of work. Q. Whom should I call if I have questions about my eligibility? A. Please contact Benefit Services at (754) 777-7735 Q. How do I find a doctor in the Florida Blue network? A. You can go to the Florida Blue website (www.floridablue.com ) and select "Find a Doctor " , you would then add your zip code and then select "BlueOptions " as your plan. Q. What if I don’t have enough contributions or hour bank credits to gain eligibility for the month? A. If you fail to have the required employer contributions or hour bank credits to continue healthcare coverage, you may continue coverage by electing COBRA. Each month, the Benefit Office will determine if you have enough hours or hour bank credits to continue eligibility. If you do not, you will receive a COBRA package in the mail explaining your rights under COBRA. It is important to read this package thoroughly so that you are aware of your rights and understand the steps for continuing coverage under COBRA. Q. Will my child(ren) who is/are age 19 through age 26 be covered under the Plan? A. Yes. Due to the Healthcare Reform Act, dependent children are now eligible to remain on the coverage until the age of 26, regardless of student status. Please contact Benefit Services at (754) 777-7735 for more information. Q. How do I make a payment to continue my Health Care coverage? A. You may remit monthly COBRA self-payments via personal check, money order or cashier’s check to MCASF Local 725 Health & Welfare Fund at 15800 Pines Blvd., Suite 201, Pembroke Pines, FL 33027. You may also pay through your PayPal account, the PayPal button is located on the Health main page. Q. How do I inquire about the status of my medical claim? A. Your medical claims are paid by Florida Blue. Should you have any questions on your medical benefits, claims status, please contact BCBSFL at (800) 664-5295. Q. How do I request a new medical ID card? A. To request a new medical ID card, please contact Benefit Services at (754) 777-7735. Q. Is there a deductible for the insurance? A. Yes, In-Network; $500 per person/ $1,500 family. Out-of-Network; not applicable. Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must their own individual deductible until the total amount of deductible expenses paid by all family members meet the overall family deductible. The medical plan's benefit year is January 1st through December 31st. Q. Is there a deductible or co-payment on office visits? A. Yes, there is a $45.00 co-payment for a doctor's office visit. Q. Is there a charge for an Emergency Room visit? A. Yes, there is a $300.00 deductible per visit. Urgent care cost is more lower, please check out this helpful flyer Know before you go - Urgent Care vs. Emergency Room t o help you determine which facility you should received care. Q. Is there a maximum I will pay for medical claims? A. Yes, once you have met your calendar year deductible, you will pay 20% of the cost for your medical service and the Fund pays 80% of that cost. Once you have paid $3,600 per person / $7,200 family out-of-pocket for your calendar medical claims then the Fund pays 100% of your medical claims for the rest of that calendar year. Q. I'm an Actively working member and I have illness that is preventing me from working, does the Fund offer any benefits? A. Yes, if you become disabled due to illness or non-occupational bodily injury, you may qualify for short term disability if you meet the requirements. You may be entitled to a benefit based on your job classification if your injury or illness occurred off the job. Benefit for General Foreman, Foreman, R5, R1 & MESJ is $500.00 per week. R2 & Apprentice 5th Year is $360.00 per week. And for R3, R4, MES2, MES3, Apprentice 2nd Year , 3rd year & 4th Year and MAT it is $250.00 per week. A maximum benefit of 26 weeks. Please contact Benefit Services at (754) 777-7735 for further information. Q. I need a prescription, is there a co-payment? Where can I get my prescription filled? A. Yes, the Fund has 3 levels of prescription co-payments, in addition, there is mail order available which will save you money if your prescription is for a longer period. > Generic Drugs: $15 co-pay for retail and $30 co-pay for mail order > Preferred Brand Drugs: $35 co-pay for retail and $70 co-pay for mail order > Non-Preferred Brand Drugs: $65 co-pay for retail and $130 co-pay for mail order If you utilize an Out-of-Network Pharmacy, you will have a 50% co-insurance cost on your prescription. > Specialty Drugs: Subject to the cost share based on applicable drug tier. Not covered through mail order. Sav-Rx is our pharmacy benefit manager, if you click on their website link on the Health Care page of this website, you will be able to find a Pharmacy near you or call (800) 228-3108. Please note that Sav-Rx is a full insured pharmacy card, it is NOT a discount card. Q. Is there a maximum I will pay for my prescriptions? A. Yes, once you have paid $900 per person / $1,800 family out-of-pocket for your calendar prescriptions cost then the Fund pays 100% of your prescription cost for the rest of that calendar year. Q. How do I request a new prescription ID card? A. To request a new prescription ID card, please contact Sav-Rx at (800) 228-3108 . Q. Is there any other benefits than the medical provided by the Fund, like dental? A. Yes, the Fund offers Dental Coverage through Florida Combine Life, a Florida Blue company. Check the Health Documents page for information on BlueDental Choice Plus. To find an in-network dentist quickly and easily, visit www.floridabluedental.com/find-a-dentist and select BlueDental Choice Plus as your plan name. Q. Is there a maximum benefit for the dental plan? A. Yes, the Plan Year maximum is $2,500 with coinsurance payable by Florida Blue Dental for covered services at 70%. You pay the remaining 30% of covered services. Orthodontia service for all insured with a lifetime maximum of $1,000. Dental plan year is January 1st through December 31st. You should utilize an in-network dentist to save yourself some money as non-participating dentist may charge more for services which will increase your cost. Q. How do I request a new dental ID card? A. To request a new dental ID card, please contact Benefit Services at (754) 777-7735. Q. Is there any life insurance provided by the Fund? A. Yes, the Fund offers a self-funded Life Benefit and Accidental Death & Dismemberment benefit program for actively working members. There is no benefit available for your spouse or dependents nor if you are a retiree. Q. I'm struggling with an issue, is there any counseling available? A. Yes, the Fund offers a Member Assistance Program through Ulliance. The Life Advisor Member Assistance Program provides assistance to members and their dependents cope with the many personal and work challenges that we all struggle with from time to time. You can read more on the program here . You can call 24/7 at (800) 448-8326 to speak with a counselor who can assist you or log in at lifeadvisor.com Q. I am going to be retiring soon, is there any benefits provided to retirees? A. Yes, the Fund offers a reimbursement for your medical coverage if you worked in the GF, F, R1, R2, R5 , MESJ and MES2 job classifications and for the 72 consecutive month period preceding your retirement worked or had coverage, you may be eligible to receive a Retiree Subsidy payment. For more information on the Retiree Subsidy Benefit, click here . Q. I am going to be turning 65 and am actively working, do I have to sign up for Medicare Part B? A. No, if you are of Medicare age but are actively working and covered under our Fund, you do not have to sign up for Medicare Part B &/or Part D but you must sign up for Medicare Part A. This is also applicable to your spouse, if your spouse is of Medicare age and covered under your health coverage from this Fund, your spouse does not have to sign-up for Medicare Part B &/or Part D. Your spouse does have to sign up for Medicare Part A though. Q. What if I don't complete the Annual Family Statement, what happens? A. If you do not fully complete the Annual Family Statement by the stated due date of November 1st, your health coverage will be suspended and your medical claims will be delayed until you submit the require Annual Family Statement. Q. What if I don't receive the Annual Family Statement in the mail? A. If you do not receive the Annual Family Statement in the mail, you can get a copy of the statement right on this website, under the Health Fund's document tab along as well as on the Health Fund's main tab. To complete it quicker, you can log into your participant portal and complete the form there which is submitted directly to the Benefit Office. At the top of all pages, there is a link to the Participant Portal. Q. I am thinking of retiring, is there something the Fund has to help me navigate the process? A. Yes, the Fund has developed a Retirement Guide which provides you with the information you need to understand the process of retirement and the benefits available to you. You can find an electronic copy on the Health Documents tab or you can contact the Benefit Office to have a copy mailed to you. Q. Does the Fund have a vision benefit? A. Yes, the Fund offers a Vision Benefit Program through EyeMed. Through this vision benefit you can choose the eye doctors and brands you want, you can can save with member-only discounts and extras, annual eye exams and a safety glass benefit for working members in addition to your regular eye glasses. Read more about the benefit here . Q. I have a question on the vision benefits, who do I call? A. For questions about the vision benefits, to locate a in-network provider, etc. you should contact EyeMed's Customer Care Center at (866) 800-5457. They are available Monday - Saturday, from 7:30 am - 11:00 pm EST and Sunday from 11:00 am - 8:00 pm EST. You can also find information on the vision benefit by visiting www.eyemed.com Q. I have lost my vision ID card, what can I do? A. If you have registered your account on eyemed.com you can print a replacement card right from your account. You can also contact EyeMed's Customer Care Center at (866) 800-5457. They are available Monday - Saturday, from 7:30 am - 11:00 pm EST and Sunday from 11:00 am - 8:00 pm EST.

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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. Dedicación. Experiencia. Pasión. 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 Nagelbush Mechanical Employer Trustee Gabriel Rodriguez General Manager Brophy Air Specialty Group, LLC

vision program for members & eligible dependents of UA Local 725 Every waking moment, your eyes invite you to engage in life. VISION BENEFITS Your Vision Benefit is a valuable addition to your Health Plan, designed to help Local 725 members and their eligible dependents maintain healthy eyesight and access to quality eye care. Through our partner, EyeMed, this benefit gives you the freedom to choose from thousands of in-network providers, including independent eye doctors, popular retail locations, and even online options, so you can select the provider and eyewear brands that best fit your needs and style. Key features include: Coverage for annual comprehensive eye exams, which not only helps you see your best but can also detect early signs of serious health conditions. Benefits for prescription glasses, contact lenses, or both, with member-only discounts and extras. A safety glasses benefit for active members (in addition to regular glasses) Easy access to care: Find providers, schedule appointments quickly, and manage your benefits on the go, through the convenient EyeMed member app. All services are designed to make eye care straightforward, affordable, and tailored to you. How to Access & Use Your Vision Benefits Your Vision Benefit Provider The MCASF Local 725 Health & Welfare Fund selected EyeMed to be our partner for your vision benefit. www.eyemed.com As an eligible participant in the Health Fund, you now will have a vision benefit as outlined in the Benefit Summary. Click on the button below to read the Benefit Summary. All eligible working union members have a safety glass benefit in addition to your regular eye glass benefits. This page highlights some of this information. If you use an in-network EyeMed provider, you don't need to worry about an ID card. You can set an appointment with that in-network eye doctor and when you go to your appointment, you just have to tell them your name and birthday and they will handle the rest. Please see below for Frequently Ask Questions and other information on why it's important to get an eye exam. Customer Care Center : (866) 800-5457 Locate in-network providers, listen to member benefit information, speak to a customer service representative, etc. Benefit Summary Safety Benefits FAQs Eye Exam Can Show

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

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.

Providing valuable documents for the Health Fund for UA Local 725 & MCASF Documentos de atención médica Formularios de atención médica 1 Formularios de inscripción Complete Enrollment Packet Enrollment Documents Check List lista de verificación de documentos de inscripción Enrollment & Vital Information Form formulario de inscripción e información vital HIPAA Release Form Autorización para divulgar información médica protegida Loss of Time - Disability Benefit Full Application Loss of Time - Physician's Statement Loss of Time - Direct Deposit Form Supplemental Self-Pay Election Form Retiree Subsidy Benefit Election Form Retiree Subsidy - Direct Deposit Form 2 Formularios estándar Formulario de verificación de cambio de dirección Formulario de verificación de cambio de dirección (rellenable) formulario de cambio de dirección Formulario de beneficiario Formulario de beneficiario (rellenable) formulario de selección de beneficiarios 3 Declaración familiar anual Declaración familiar anual 2024 Declaración familiar anual de 2024 (rellenable) Documentos del plan de salud Los siguientes documentos pertenecen a todas las partes del plan. Si hay un documento que necesita que no figura en la lista, comuníquese con la Oficina de beneficios. Resumen de beneficios y cobertura para 2021 Pérdida de tiempo: disposiciones sobre prestaciones por discapacidad Reglas de subsidio para jubilados Reglas complementarias de pago por cuenta propia Aviso de prácticas de privacidad de HIPAA Divulgación de la Ley de recién nacidos Salud de la mujer y derechos contra el cáncer Programa de seguro médico para niños Resumen de beneficios y coberturas para 2020 Resumen de beneficios y coberturas para 2019 Envíos por correo sobre atención sanitaria Informe anual resumido para el 31-12-19 Informe anual resumido para el 31/12/18 Aviso del Memorial Hospital Declaración anual de la familia Opciones azules A continuación se enumeran los servicios y productos que se ofrecen a través de nuestro proveedor de la red médica, Florida Blue. Opciones de autoservicio Florida Blue Centros médicos Sanitas mySanitas Chat Centros para participantes de Florida Blue Aplicación móvil Florida Blue ¿Dónde debo acudir para recibir atención? Pautas de cuidado preventivo Saber antes de ir Mejor tu zancadas Carta del Memorial Hospital a los miembros Sitio web médico A continuación se enumeran los servicios y productos que se ofrecen a través de nuestro administrador de beneficios de farmacia, Sav-Rx. Carta de bienvenida Folleto Prescription Website Dental A continuación se enumeran los servicios y productos que se ofrecen a través de nuestro proveedor de red dental, Florida Combined Life, una empresa de Florida Blue. Tu red dental Navegando por la red de proveedores dentales La importancia de visitar al dentista ¿Tiene preguntas sobre su cobertura dental? Salud bucal para la salud general Resumen de beneficios ~ 1/8/21 - 31/12/21 Resumen de beneficios ~ 1/1/22 - 31/12/22 Sitio web dental A continuación se muestra información sobre el Programa de asistencia para miembros que ofrece nuestro proveedor, Ulliance Life Advisor Member Assistance Program. Resumen del programa de asistencia a los miembros Cómo iniciar sesión en el portal Life Advisor Asistencia legal y financiera A continuación se muestra información sobre el Programa de asistencia para miembros que ofrece nuestro proveedor, Ulliance Life Advisor Member Assistance Program. Resumen del programa de asistencia a los miembros Cómo iniciar sesión en el portal Life Advisor Asistencia legal y financiera Vision 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

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. MCASF Local 725 Pension Trust Fund Is a Defined Benefit retirement plan that provides Local 725 members with a valuable retirement benefit: a secure, predictable income in retirement. Unlike many other retirement plans, this Plan promises a specific monthly benefit amount for life, calculated based on your years of service and other factors outlined in the Plan. The Board of Trustees and professional investment managers handle all investment decisions and risks, ensuring your benefit is paid reliably regardless of market conditions. This guaranteed lifetime income, often described as a "traditional pension", is very rare and excellent benefit in today's world, offering true financial peace of mind in retirement. The MCASF Local 725 Pension Plan isn't just a benefit on paper. It's union-negotiated monthly income that, for some people, makes the difference between living with comfort and dignity in your retirement and just getting by. Visit the Pension Page MCASF Local 725 Health & Welfare Trust Fund Your Plan, with claims paid by your contributions This Health Plan operates under a self-funded model, meaning the money used to pay claims comes directly from the fund's assets, which are paid by MCASF contractors on behalf of their employees who are Local 725 members. In simple terms, every dollar counts and enables us to keep the plan well-funded so it can provide excellent benefits to you and your family. One way we make sure that your plan assets are being used appropriately is by through an annual verification. Each year, you are required to submit an Annual Family Statement. This form plays an important role in ensuring that only eligible family members are covered by the plan. If the Annual Family Statement isn't submitted, health coverage is suspended until the form is received. The Board of Trustees is required by federal law to be good stewards of the Plan's assets. This annual verification process helps them accomplish that by ensuring that your health plan assets are only used to cover individuals who should be covered. Visit the Health Page MCASF Local 725 Defined Contribution Retirement Trust Fund Is a Defined Contribution retirement plan that provides Local 725 members with an additional valuable retirement benefit, either in a lump sum benefit or periodic distributions of your account balance. Unlike a pension plan, the defined contribution plan does not promise a specific amount of benefits at retirement. The Board of Trustees and professional investment managers handle all investment decisions for the MCASF Local 725 Defined Contribution Retirement Plan. Your account balance is pooled with all of the other members of Local 725 and invested to hopefully gain investment interest to provide you with an attractive lump sum benefit at retirement. You can help make your account balance grow by electing to have your employer withhold a certain amount per hour from the hours you work on a pre-tax basis. Visit the Defined Contribution Page

Information regarding the Participant Portal Participant Portal A Bit About The Participant Portal The Participant Portal contains your personal benefit information, like your dependents, your beneficiaries, your work hours and contributions paid in on your behalf. It has your pension accrued benefit, your defined contribution account balance(s), your health eligibility and hour bank information. You can update your health enrollment form directly on the portal. The form is pre-populated with your information currently on file so it's easy to update, just a few clicks and your done. If you're a pensioner, you can change your bank information on your pension benefit direct deposit. Need to send us important personal documentation such as a birth certificate for a newborn or a marriage certificate for your new spouse, you can upload those documents securely through the portal. Security & Your Password Your Username Your Password Multifactor Authentication Your Username is provided by Benefit Services when you are eligible for access to the portal. Your username will never change. With new security measures, password must be at least 14 characters long and must include 1 uppercase letter, 1 lowercase letter, 1 number and 1 special character such as !,@,$, etc. You cannot re-use any password used in the past 365 days. Your account will lock after 5 failed login attempts - no worries though, it will unlock after 15 minutes. To reset your password, click on "Forgot Password?" then enter your username and an email will be sent to you with further instructions. Benefit Services takes your security seriously and we have added an additional layer of security to supplement the password security. This eliminates the need to change your password periodically. Once you have entered your password successfully, you will be asked to have a code sent to the email associated with your account. The portal will send you that code and once you enter it on the screen, you will then in your participant portal. Participant Portal

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros 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. Have you wondered what your employer is deducting from your paycheck?? Deductions on your paycheck should only be for your Union's gross wage assessment (Working Dues), which is 2% of that pay period's gross wages, including travel and non-working hours paid. There should also be a deduction of $0.05 per hour worked for the Political Education Committee, $0.15 per hour worked for Market Recovery and $0.10 per hour worked for Organizing. Some employer pay choose to lump these 3 assessments into one deduction of $0.30 per hours worked. Additionally, if you elected to make a voluntary employee contribution to your Defined Contribution account, that amount you elected per hour will also be deducted from your paycheck. If you are not sure of the deductions listed on your paycheck, you should reach out to your employer's payroll department for help understanding the deductions. You can also contact UA Local 725 for additional assistance.

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

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.