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

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

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

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

Information regarding Florida Blue coverage and helpful webinars Información y seminarios web para una vida más saludable...

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF Sobre nosotros Benefit Services se estableció en 2018 para brindar una administración profesional, atenta y dedicada de los beneficios de atención médica y jubilación a los miembros y sus dependientes de United Association Air Conditioning and Refrigeration Pipefitters Local Union 725 y para brindar apoyo de remesas a los empleadores contribuyentes de Mechanical Contractors Association of South Florida. Las Oficinas de Servicios de Beneficios están ubicadas en 15800 Pines Blvd., Suite 201, Pembroke Pines, Florida 33027. MCASF Local 725 Pension Trust Fund Is a Defined Benefit retirement plan that provides Local 725 members with a valuable retirement benefit: a secure, predictable income in retirement. Unlike many other retirement plans, this Plan promises a specific monthly benefit amount for life, calculated based on your years of service and other factors outlined in the Plan. The Board of Trustees and professional investment managers handle all investment decisions and risks, ensuring your benefit is paid reliably regardless of market conditions. This guaranteed lifetime income, often described as a "traditional pension", is very rare and excellent benefit in today's world, offering true financial peace of mind in retirement. The MCASF Local 725 Pension Plan isn't just a benefit on paper. It's union-negotiated monthly income that, for some people, makes the difference between living with comfort and dignity in your retirement and just getting by. Visit the Pension Page MCASF Local 725 Health & Welfare Trust Fund Your Plan, with claims paid by your contributions This Health Plan operates under a self-funded model, meaning the money used to pay claims comes directly from the fund's assets, which are paid by MCASF contractors on behalf of their employees who are Local 725 members. In simple terms, every dollar counts and enables us to keep the plan well-funded so it can provide excellent benefits to you and your family. One way we make sure that your plan assets are being used appropriately is by through an annual verification. Each year, you are required to submit an Annual Family Statement. This form plays an important role in ensuring that only eligible family members are covered by the plan. If the Annual Family Statement isn't submitted, health coverage is suspended until the form is received. The Board of Trustees is required by federal law to be good stewards of the Plan's assets. This annual verification process helps them accomplish that by ensuring that your health plan assets are only used to cover individuals who should be covered. Visit the Health Page MCASF Local 725 Defined Contribution Retirement Trust Fund Is a Defined Contribution retirement plan that provides Local 725 members with an additional valuable retirement benefit, either in a lump sum benefit or periodic distributions of your account balance. Unlike a pension plan, the defined contribution plan does not promise a specific amount of benefits at retirement. The Board of Trustees and professional investment managers handle all investment decisions for the MCASF Local 725 Defined Contribution Retirement Plan. Your account balance is pooled with all of the other members of Local 725 and invested to hopefully gain investment interest to provide you with an attractive lump sum benefit at retirement. You can help make your account balance grow by electing to have your employer withhold a certain amount per hour from the hours you work on a pre-tax basis. Visit the Defined Contribution Page

Information regarding the 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. ¿Se está acercando a la edad de jubilación? 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>

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>

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. Annual Tax Form The 1099R form for the Defined Contribution benefit you received in 2025 will be postmarked by January 31st . If you do not receive your 1099R by February 12th , you may request a reprint be done at that time. We are unable to reprint the form prior to that date, Resultados preliminares de inversión del DC Fund 7,3% hasta la fecha como o f 30 de junio de 2023 Account Statements for 2025 Your Defined Contribution Account Statements for the Plan Year ending December 31, 2025 are in development. The Benefit Office is working on the annual valuation of the Defined Contribution Retirement Fund for 2025 and once that is completed, your account statements will be sent out. Check back here for further updates. 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

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 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

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