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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 briefly 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 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 work. 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 the 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 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 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

Information regarding the Defined Contribution Retirement Plan for UA Local 725 SUS BENEFICIOS DE RETIRO DE CONTRIBUCIÓN DEFINIDOS La Junta de Fideicomisarios del Fondo de Jubilación de Contribuciones Definidas del Local 725 de MCASF se complace en darle la bienvenida al sitio web de Contribuciones Definidas. 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 Contribución Definida El Fondo de Jubilación de Contribución Definida Local 725 de MCASF es un plan de jubilación de contribución definida. El Plan fue modificado y reformulado recientemente, con vigencia a partir del 1 de julio de 2021, y posteriormente fue modificado periódicamente para realizar cambios necesarios y deseables. El Plan es 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 Jubilación de Contribución Definida. Debe presentar una solicitud de jubilación con bastante antelación a la fecha prevista de jubilación. Puede solicitar una solicitud en la Oficina de Beneficios, así como solicitar ayuda durante el proceso de solicitud. La presentación temprana le ayudará a evitar demoras en el procesamiento de su solicitud y el pago de los beneficios. Declaraciones de DC Sus estados de cuenta de participantes de 2021 para el Fondo de Jubilación de Contribución Definida están en producción para el envío. ¡No tiene que esperar el correo, puede obtener su saldo de 2021 ahora! Inicie sesión en su portal para ver.... Election Form ELECTION PERIOD FOR 2026 HAS NOW ENDED Una vez que complete su formulario de elección, puede enviarlo por correo a Benefit Services en 15800 Pines Blvd. Suite 201, Pembroke Pines, FL 33027 o puede cargar su formulario de forma segura en su Portal del participante. Puede iniciar sesión haciendo clic en el ícono en la parte superior de esta página. Sé un Nutley, no un Chester Período de Elección Desde 1 de octubre al 30 de noviembre Election Period for 2026 has now ENDED! ¡Ahorra para tu jubilación! Resultados preliminares de inversión del DC Fund 7,3% hasta la fecha como o f 30 de junio de 2023 ¿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 Más información Para el plan de jubilación de contribución definida, comuníquese con la Oficina de Beneficios al (754) 777-7735 o haga clic en las páginas de Preguntas frecuentes o Documentos para obtener información adicional o formularios. Portal del participante Puede revisar su información personal las 24 horas del día, los 7 días de la semana. Verifique el saldo de su cuenta, las horas trabajadas, las contribuciones recibidas en su nombre, su beneficiario y más. Puede realizar cambios de dirección directamente en el portal, así como cargar documentos personales de forma segura. Enlaces útiles Asociación Estadounidense de Personas Jubiladas (AARP) Servicio de Impuestos Internos Seguro médico del estado Administración del Seguro Social Asuntos de Veteranos Enlaces útiles Asociación Estadounidense de Personas Jubiladas (AARP) Servicio de Impuestos Internos Seguro médico del estado Administración del Seguro Social Asuntos de Veteranos

Information for apprentices on your prescription coverage through SavRx Sav-Rx Your Prescription Benefit Manager Your Prescription Benefit Manager The MCASF Local 725 Health & Welfare Trust is self-funded, which simply means we pay for each approved prescription claim submitted by your pharmacy for you as an eligible participant. The MCASF Local 725 Health & Welfare Fund selected Sav-Rx to be our prescription benefit manager and to adjudicate (pay) the approved prescription claims within the formulary. Sav-Rx works with the Board of Trustees to ensure all eligible participants receive the best formulary of drugs at reasonable cost to the Fund. As an Apprentice 2nd, 3rd, 4th or 5th year, you receive a Summary of Benefits & Coverage (SBC) each year in January. This governmental required document provides a summary of coverage and any applicable co-payments. Click on the button below to read the latest SBC. In addition, Sav-Rx provides helpful information to the eligible participants. This page highlights some of this information. You can always find more on the Benefits Website at https://725benefits.org Read Here Cost Savings Information for you...

Providing valuable documents for the Health Fund for UA Local 725 & MCASF Documentos de atención médica Formularios de atención médica 1 Formularios de inscripción 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 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

Providing answers to FAQs for the Defined Contribution Plan for UA Local 725 & MCASF Preguntas frecuentes Esta página contiene preguntas frecuentes sobre el Fondo de Jubilación de Contribución Definida. Si tiene alguna pregunta o inquietud con respecto a su beneficio de jubilación de contribución definida, comuníquese con la Oficina de Beneficios al 754-777-7735 o info@725benefits.org Fondo de jubilación de contribución definida Preguntas frecuentes Q. When do I become vested? A. You become 100% vested in your Employer account when you obtain 2 full vesting credits. You are 100% vested in your Elective account immediately. Q. Do I need to do anything to enroll in the Plan? A. No, you become a Participant automatically after you work one (1) hour in covered employment. Q. What is the Plan Year? A. The Plan Year is January 1st through December 31st. Q. When can I start Participating in the Plan? A. You must work at least one (1) hour in covered employment within a Plan Year. Q. Who is eligible to become a Participant in the Plan? A. You are eligible to participate in the Plan if you work for an employer that is required to make contributions to the Defined Contribution Retirement Plan for the work you perform. For most Participants, this means working in a position covered by a collective bargaining agreement between the employer and the union. If you are an owner/operator, you can participate provided you contribute 40 hours per month. Q. How can I make my retirement account larger? A. You can increase your retirement nest egg by electing to have employee deferred contributions withheld from your weekly gross pay and placed in your elective account with the Defined Contribution Retirement Plan. Each October 1st through November 30th you are able to elect an amount per hour that you'd like withheld from your gross pay. This amount will be for that next full calendar year. The maximum amount of elective contributions for 2025 is $23,500. If you will be at least 50 years old by December 31, 2025, you may elect to have an additional "Catch-Up" elective contribution of up to a maximum of $7,500. Before deciding on electing an employee elective contribution, which will be deducted from your gross pay, you should consult a personal financial and tax advisors for guidance. The elective form will be available on the Defined Contribution Retirement Plan's documents tab on this website during October 1st through November 30th. Q. How do I apply for a benefit? A. The first step is to request an application from Benefit Services. The application is also available on the website for your convenience. The application form will come with instructions and information about the type of documentations you will need to include with your completed application. Q. What if I get divorced? A. If you get divorced, please contact Benefit Services to update your records. If you wish to change your beneficiary designation, Benefit Services can provide you the proper form. Please note: Your former spouse may have rights to all or part of your benefit even if you designate a new beneficiary. A court may issue a Qualified Domestic Relations Order (QDRO) in connection with your divorce requiring the Defined Contribution Retirement Plan to pay part or all of your Defined Contribution Retirement Plan benefit to your former spouse for reasons such as spousal or child support or division of marital property. Please contact Benefit Services for further information regarding QDRO requirements. 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. What happens if my spouse remarries after I die? Will he/she lose the benefits from the Plan? A. No. Payments to your surviving spouse will not be affected by remarriage. Q. If I die, will my spouse or other beneficiary automatically be contacted about death benefits? A. If you are actively employed when you die, Benefit Services will contact your spouse or beneficiary. Otherwise, your spouse or beneficiary will need to notify Benefit Services of your death to get the process started. You should alert your spouse or beneficiary to that need. Q. What is the Valuation Date? A. The value of your individual account is updated as of December 31st of each Plan Year. The value of your account includes:

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 the benefits available to the Apprentices of Local Union 725 Welcome to the UA Local 725 Apprentices Benefits UA 725 Aprendices Conozca los beneficios complementarios para un 725 Apprentices Su beneficio de pensión Su cobertura de atención médica Su Cuenta de Contribución Definida Conozca los beneficios complementarios para un 725 Apprentices Su beneficio de pensión Su beneficio de pensión Conozca los beneficios complementarios para un 725 Apprentices Su beneficio de pensión

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.

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. Fondo de pensiones Fondo de Salud Fondo de Contribución Definida Servicios para empleadores El Consejo de Administración. Dedicación. Experiencia. Pasión. Copresidente Kenneth E. Scott, Jr. Gerente de Negocios/FST Sindicato Local 725 de la UA Copresidente Eduardo Llosent Director ejecutivo Aire acondicionado Airtech Síndico del Trabajo Thomas A. Flavell Agente de negocios Sindicato Local 725 de la UA Síndico del empleador Julie C. Dietrich Vicepresidente Ejecutivo Asociación de Contratistas Mecánicos del Sur de Florida Síndico del Trabajo Ralph J. Castro Oficial Trane del sur de la Florida Síndico del empleador Carlos I. Borja Presidente Corporación de mantenimiento Weathertrol. Síndico del Trabajo Robert T. Heslekrants Capataz general Nagelbush Mecánico Síndico del empleador Cristóbal S. Figueras Presidente Aire Evo Nuestro equipo Profesional. Amable. Dedicado. Jeffrey Allen Administración Lianet Prieto Servicios para empleadores Josh Allen Servicios de jubilación Luis Hernández Servicios de salud Roberto Mattei Contabilidad La historia del sindicato local de instaladores de tuberías 725 Altamente calificados. Orgullosos de pertenecer a un sindicato. Fuertes sindicatos. 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 La historia del MCASF 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 La historia del MCASF 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

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. Happy New Year to our Local 725 Family & Friends Holiday Hours Wednesday, December 31st 8:00 a.m. to 2:00 p.m. Thursday, January 1st CLOSED Friday, January 2nd CLOSED Información valiosa ¡Está a sólo un clic de distancia! PENSION DEFINED CONTRIBUTION HEALTH APPRENTICE EMPLOYERS The Latest News...... Annual Pension Verification Statement For retirees, surviving spouses and beneficiaries of the Pension Fund and deadline extended to December 30th. Don't get suspended, send in your form NOW! Read More DC Fund Preliminary Investment Return See what the current investment return is for your Defined Contribution Retirement account Read More New Vision Benefit Effective August 1st, you now have a vision benefit available through EyeMed Read More Annual Family Statement All eligible members of the Health Fund are required to complete the Annual Family Statement by the extended deadline of December 30th. Don't get suspended, send in your form TODAY! Read More Memorial Health System Is no longer an in-network provider in Florida Blue effective September 1st Read More Time is Running Out, Don't Delay Un mejor tú Información y seminarios web para una vida más saludable... Haga clic aquí para obtener más información Para tu bienestar Más información brought to you by: 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 ¿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 Reciba las últimas noticias en su bandeja de entrada ¡REGÍSTRATE HOY! Suscríbete a nuestro boletín • ¡No te lo pierdas! Correo electrónico Unirse ¡Gracias por suscribirte! Reciba las últimas noticias en su bandeja de entrada ¡REGÍSTRATE HOY! Manténgase informado sobre sus beneficios..... ¡Con mensajes de texto nuestros! Regístrate hoy para no perderte información importante. ¡Inscribirse!

Providing information regarding remittance services for UA Local 725 & MCASF contributing employers SERVICIOS PARA EMPLEADORES La Corporación de Servicios Local 725 de MCASF se complace en darle la bienvenida al sitio web para empleadores. En este sitio web, tendrá acceso las 24 horas del día, los 7 días de la semana, a los formularios solicitados con más frecuencia, al portal de remesas electrónicas y a las preguntas frecuentes sobre los procedimientos y políticas de remesas. Acerca de los servicios para empleadores La Corporación de Servicios Local 725 de MCASF proporciona a los empleadores contribuyentes de la Asociación de Contratistas Mecánicos del Sur de Florida un repositorio electrónico para sus contribuciones complementarias requeridas según se define en el Convenio de Negociación Colectiva actual entre MCASF y UA Local 725. Portal del empleador FÁCIL ... SEGURO ... RÁPIDO ¡El Portal de remesas en línea para empleadores ya está disponible! Puede remitir sus contribuciones semanales o mensuales electrónicamente y puede enviar su pago a través del portal. Ingrese al Portal> Manual para uso del portal> Video sobre el uso del portal 2026 MCASF Hourly Dues Contribution Rate - 1st Incremental Adjustment Dues adjustment notification: Effective with your first fringe reporting period after January 1, 2026, the MCASF hourly dues contribution rate will increase from $0.54 to $0.57 per hour. Read More Auditorías de nómina (tienda) El Fondo ha vuelto a la revisión activa de los registros de nómina para garantizar el cumplimiento del convenio colectivo y la Política de recaudación para una recaudación eficiente y eficaz de las contribuciones requeridas. Consulte las preguntas frecuentes para obtener información adicional. Política de cobranza Preguntas frecuentes Programa de asistencia a los miembros No sólo para empleados miembros de su sindicato local 725 Para más información ¡Estamos aquí para ayudar! Si tiene preguntas adicionales, puede comunicarse con la Oficina de beneficios al (754) 777-7735 o puede hacer clic en la sección de Preguntas frecuentes. Para formularios, documentos, políticas y manuales, puede hacer clic en la sección Documentos. Preguntas frecuentes Documentos Questions on the CBA? Contact the Mechanical Contractors Assn. of SF Employers with questions concerning contract terms, please contact Julie Dietrich, Executive Director @ MCASF: j.dietrich@mcasf.org Escala de salarios y beneficios La Asociación de Contratistas Mecánicos del Sur de Florida llevó a cabo un taller sobre responsabilidad por retiro el 30 de enero de 2025. El actuario (Ben Ablin) y el asesor legal (Bill Cumming) del Fondo de Pensiones Local 725 del MCASF analizaron qué es la responsabilidad por retiro, qué la desencadena y cómo se calcula. Si te perdiste el taller muy informativo, puedes leer la presentación haciendo clic a continuación. Leer más Enlaces útiles de la industria MCASF Asociación de Contratistas Mecánicos del Sur de Florida Échales un vistazo> Local 725 Asociación Unida Local 725 Instaladores de tuberías de aire acondicionado y refrigeración Échales un vistazo> ARPEC ACRA Local 725 Comité Conjunto de Aprendizaje y Capacitación Aire acondicionado, refrigeración y montaje de tuberías Centro educativo Échales un vistazo> Asociación Unida United Association Fontaneros, instaladores de tuberías, instaladores de rociadores, instaladores de vapor, técnicos de servicio Échales un vistazo> MCAA Asociación de Contratistas Mecánicos de América Échales un vistazo> MSCA Contratistas de servicios mecánicos de América Échales un vistazo>