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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

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>

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:

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 the Pension benefits for MCASF Local 725. SUS BENEFICIOS DE PENSIÓN La Junta de Fideicomisarios del Fondo Fiduciario de Pensiones MCASFLocal 725 se complace en darle la bienvenida al sitio web de Pensiones. 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 Pensiones El Fondo Fiduciario de Pensiones del MCASF Local 725 es un plan de pensiones de beneficios definidos. El Plan fue modificado y reformulado recientemente, con vigencia a partir del 1 de julio de 2021, y posteriormente puede modificarse de vez en cuando para realizar cambios necesarios y deseables. El Plan 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 Pensiones. Debe presentar una solicitud de pensión 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. With Social Security expected to replace only about 40% of the income you earn while working, you'll need other sources of money to help you maintain a comfortable lifestyle in retirement. Your MCASF Local 725 retirement plans are a powerful tool that you can use to help fill the gap. Here's what you need to know. Retirement Plan Types: There are two kinds of retirement plans from MCASF Local 725. Defined Benefit (DB) Plan - Also called pension plan, this type of plan promises you income in retirement. Pensions are paid to a retiree each month, and the amount is set by a benefit formula that uses contributions, hours of service and vesting credits. The entire cost of this pension is paid by your employer. Defined Contribution (DC) Plan With this type of plan, MCASF Local 725 sets up an individual retirement savings account for you. This account is commonly called a 403(b) and is sponsored by the Trust but is owned by you once you have vested. Your employer contributes to this account but you can also contribute. The money is invested so that it can grow over time. Instead of a lifetime monthly income like the pension plan, the DC plan gives you access to a lump sum of money at retirement. What Happens When You Retire? With the pension plan, you'll have a retirement income for the rest of your life and, if you have a spouse, for the rest of your spouse's life, unless they waive their right to this benefit. While you are working, you will receive a pension statement each year showing you an estimate of how much you'll receive when you retire. With the DC plan, you can decide how much you want to withdrawal, you can take a payment monthly, a full account balance payment or you can roll it over into an IRA you have already set up. If you do not take a benefit prior to age 72, the Plan must pay you a required minimum distribution (RMD) each year thereafter you have an account balance with MCASF Local 725 DC Plan. ¿Se está acercando a la edad de jubilación? Benefit Services está desarrollando una guía de jubilación para ayudarlo en su transición hacia la jubilación. ¡Esté atento a las próximas guías! Muy pronto Or contact Benefit Services @ 754-777-7735 to request a copy be mailed to you ¿Obtuviste una nueva cuenta bancaria? Si recibe un beneficio de pensión mensual y recientemente cambió su cuenta bancaria, debe actualizar su información de depósito directo con la Oficina del Fondo para asegurarse de que su próximo cheque de pensión se deposite correctamente. Puede actualizar su información directamente en su portal de participantes o puede descargar el formulario y enviarlo por correo a la Oficina del Fondo. DESCARGAR Federal Tax W-4P Form IRS - Cambios requeridos para Formulario W-4P en 2023 Aprende más 2023 Formulario W-4P Obtenga su formulario aquí Annual Funding Notice Get Your 2024 AFN PARA MÁS INFORMACIÓN Con respecto a sus beneficios de pensión, elegibilidad y valor acumulado, comuníquese con la Oficina de beneficios al (754) 777 - 7735 EN LA PUNTA DE TUS DEDOS.... Puede encontrar preguntas frecuentes sobre el Fondo de Pensiones y documentos populares como una solicitud, un formulario de depósito directo y más. ¡Haga clic en los siguientes enlaces! Preguntas frecuentes Documentos Enlaces útiles sobre pensiones Helpful Pension Links Your Link to AARP Your Link to Social Security Administration Your Link to the IRS Your Link to Veterans Affairs Your Link to the PBGC Portal del participante SU INFORMACIÓN DE PENSIÓN PERSONAL Ahora puede ver la información personal de sus beneficios de pensión, de forma segura y sencilla, las 24 horas del día, los 7 días de la semana. Directamente desde la computadora o incluso desde su teléfono. Además de la información de pensión, también puede ver su salud y los beneficios de contribución definida, así como las horas de trabajo y la información de dependientes. Haga clic para el portal>

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. Account Statements for 2025 Your Defined Contribution Account Statements for the Plan Year ending December 31, 2025 are completed and at the printers. But you do not have to wait for your statement in the mail to see your 2025 investment interest gain. Log into your Participant Portal today to see your new account balance as of 12/31/2025. Click Here to go to the Participant Portal Resultados preliminares de inversión del DC Fund 7,3% hasta la fecha como o f 30 de junio de 2023 The Power of Compounding Between your monthly rent or mortgage, a car payment, and other bills, it may seem next to impossible to set aside money for retirement. But even if you can afford to contribute a few dollars a paycheck to your defined contribution (DC) retirement plan, those dollars can make a big difference later. Why? It's the power of compounding . Read More Annual DC Election begins October 1st, plan ahead for your retirement Tools See how your invested money can grow over time through the power of compounding Go to Calculator Find out how much you need to save each month to reach a specific financial goal. Go to Savings Calculator 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! ¿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 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

providing valuable documents for the Defined Contribution Plan for UA Local 725 & MCASF Documentos de contribución definidos Formularios de contribución definida 1 Aplicaciones Solicitud de prestaciones de jubilación Solicitud de beneficios de beneficiario alternativo Solicitud de beneficios para cónyuge sobreviviente o beneficiario 2 Formularios estándar Formulario de elección de beneficiario formulario de selección de beneficiarios Formulario de verificación de cambio de dirección formulario de cambio de dirección 3 Formulario Electivo Formulario de aplazamiento de la matrícula electiva 2025 AHORA CERRADO Complete this form ONLY IF you wish to have an elective deferred contribution withheld from your weekly gross pay. Documentos del plan de contribución definida 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. Documento del Plan de Contribución Definido, vigente desde el 1/1/2015 Enmienda # 1 al Documento del Plan 1/1/15 Enmienda # 2 al Documento del Plan 1/1/15 Enmienda # 3 al Documento del Plan 1/1/15 Informe anual resumido para el año del plan 2018 Envíos por correo de contribuciones definidas 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. Informe anual resumido para el año del plan 2020 Informe anual resumido para el año del plan 2019 Informe anual resumido para el año del plan 2018 Formulario de aplazamiento electivo para el año calendario 2023 Formulario de aplazamiento electivo para el año calendario 2022 Formulario de aplazamiento electivo para el año calendario 2021 Formulario de aplazamiento electivo para el año revisado 2020 Formulario de aplazamiento electivo para el año calendario 2020 Formulario de aplazamiento electivo para el año calendario 2019 ¿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

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

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 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. Profesional. Amable. Dedicado. Jeffrey Allen Administration Lianet Prieto Employer Services Josh Allen Retirement Services Jennifer Vasquez Healthcare Services Roberto Mattei Accounting

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.