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Dokiman Pansyon Fòm Pansyon Lis anba a se tout fòm pou plan an. Ou ka telechaje yo epi ranpli yo. Standard Forms Fòm Federal Retni taks sou revni (W-4P) - Ranpli Fòm Depo Dirèk Fòm Depo Dirèk - Ranpli Fòm Eleksyon Benefisyè a Fòm Eleksyon Benefisyè - Ranpli Fòm Verifikasyon Chanjman Adrès Fòm Verifikasyon Chanjman Adrès - Ranpli ​ Aplikasyon pou benefis retrèt Aplikasyon pou benefis retrèt - Ranpli (Ou pral bezwen kontakte Biwo Benefis pou ou opsyon benefis ak valè) ​ ​ Siviv Aplikasyon Konjwen pou Benefis Aplikasyon Konjwen siviv pou Benefis - Ranpli ​ Altènatif Aplikasyon Benefisyè pou Benefis yo Altènatif Aplikasyon Benefisyè pou Benefis - Ranpli Applications ​​ Application for Retirement Benefits for a Married Person (You will need to contact the Benefit Office for your benefit options and values prior to submitting your application)​ ​ Application for Retirement Benefits for a Single Person (You will need to contact the Benefit Office for your benefit options and values prior to submitting your appl ication) ​ Surviving Spouse Application for Benefits ​ ​ Alternate Payee Application for Benefits (QDRO) ​ Annual Verification Forms ​​ Pension Verification Forms for Retired Members Retirement Verification Form for 2023 Retirement Verification Form for 2023 - Fillable ​ ​ Pension Verification Forms for Surviving Spouses & Beneficiaries Retirement Verification Form for 2023 Retirement Verification Form for 2023 - Fillable Pension Plan Documents The following documents pertain to all parts of the plan. If there is a document that you need that is not listed, please contact the Benefit Office. ACRA Lokal 725 Dokiman Plan Fon Trust Trust Anyèl Finansman Anyèl 2020 Plan Ane Avi Finansman Anyèl 2019 Plan Ane a Anyèl Finansman Anyèl 2018 Plan Ane Avi Finansman Anyèl 2017 Plan Ane Pansyon Mailings - Avi Dokiman sa yo gen rapò ak poste oswa avi yo bay tout patisipan yo nan plan an. Si gen yon poste oswa yon avi ou bezwen ki pa nan lis la, tanpri kontakte Biwo Benefit. Avi Anyèl Finansman Ane Plan 2021 ​ Avi Anyèl Finansman Ane Plan 2020 Avi Anyèl Finansman Ane Plan 2019 Avi Anyèl Finansman Ane Plan 2018 Avi Anyèl Finansman Ane Plan 2017 IRS - Required Changes to Form W-4P in 2023

Defini Kontribisyon Dokiman yo Defini Kontribisyon Fòm Lis anba a se tout fòm pou plan an. Ou ka telechaje yo epi ranpli yo. Standard Forms Aplikasyon pou benefis retrèt Fòm Eleksyon Benefisyè a Fòm Eleksyon Benefisyè - Ranpli Fòm Verifikasyon Chanjman Adrès Fòm Verifikasyon Chanjman Adrès - Ranpli Aplikasyon pou Benefis Benefisyè Altène Aplikasyon pou mari oswa madanm siviv oswa benefis benefisyè yo ​ 2021 Fòm Eleksyon Diferans Eleksyon Applications Application for Retirement Benefits Application for Retirement Benefits ~ Fillable ​ ​ Application for Alternate Payee Benefits Application for Alternate Payee Benefits ~ Fillable ​ ​ Application for Surviving Spouse or Beneficiary Benefits Application for Surviving Spouse or Beneficiary Benefits ~ Fillable ​​ Defined Contribution Plan Documents Dokiman sa yo konsène tout pati nan plan an. Si gen yon dokiman ou bezwen ki pa nan lis la, tanpri kontakte Biwo Benefis la. Dokiman Plan Kontribisyon Defini, anvigè 1/1/2015 Amannman # 1 a 1/1/15 Dokiman Plan an Amannman # 2 a 1/1/15 Dokiman Plan an Amannman # 3 a 1/1/15 Dokiman Plan an Rezime Rapò Anyèl pou Ane Plan 2019 la Rezime Rapò Anyèl pou Ane Plan 2018 la Anpòs kontribisyon defini Rezime Rapò Anyèl pou Ane Plan 2020 ​​ Rezime Rapò Anyèl pou Ane Plan 2019 la Rezime Rapò Anyèl pou Ane Plan 2018 la Fòm Ranvwa Ochwa pou Ane Kalandriye 2023 Fòm Ranvwa Ochwa pou Ane Kalandriye 2022 Fòm Ranvwa Ochwa pou Ane Kalandriye 2021 Fòm Ranvwa Ochwa pou Ane Revize 2020 Fòm Ranvwa Ochwa pou Ane Kalandriye 2020 Fòm Ranvwa Ochwa pou Ane Kalandriye 2019

Byenveni nan MCASF la Lokal 725 Fon Benefis ​ Nan sit entènèt sa a, ou pral kounye a gen aksè 24 èdtan nan yon jounen, 7 jou nan yon semèn yo souvan mande fòm, lyen itil ki make, kesyon yo poze souvan konsènan benefis, ak aksè sekirite enfòmasyon pèsonèl ou benefis. ​ Enfòmasyon ki gen anpil valè, yon klike! Changes To The Health Plan ~ Effective May 1st Changes to the Health Plan, Effective May 1st The Board of Trustees carefully & routinely reviews the Health Plan benefits, eligibility & vendors to ensure the best affordable benefits are provided to you and your dependents. Two changes are occurring May 1st. Learn More Prescription Benefit Manager (Rx Network) Change Effective May 1, 2024, SAV-RX will replace Florida Blue's Prime Therapeutics as the Health Fund's prescription benefit manager. You will be receiving more information from Sav-Rx and a new Prescription ID Card prior to May 1, 2024. Frequently Asked Questions New Medical Plan from Florida Blue Effective May 1, 2024, Florida Blue's BlueOptions will replace the current BlueChoice as the Medical Plan of the MCASF Local 725 Health Fund. You will be receiving your BlueOptions ID Card prior to May 1, 2024. Frequently Asked Questions Defined Contribution Annual Statements The 2023 Valuation of your DC account(s) has been completed. The Annual Participant Statements have been sent to the printer for mailing. Watch your mailbox for your statement. ​ You can see your account balance with the interest gained in 2023 right now by logging into your participant portal! See Your Balance May is Mental Health Awareness Month Check out these items on assisting with your mental health from our Life Advisor Employee Assistance Program partner ULLIANCE. 01 >>> A New Approach to Men's Mental Health Historically, discussions on men's mental health overlooked their unique challenges, including societal norms and biological factors. By fostering open dialogue, education and support, we can enhance men's well-being. 03 >>> From Stress to Serenity Connecting with nature offers an opportunity to enjoy life's simple pleasures & significantly improve our mental wellness at the same time. 02 >>> Women's Mental Health In a world where we are more "connected" than any generation before, women continue to be more overwhelmed, have higher levels of stress. 04 >>> Balancing Act: The Art of Juggling Life Juggling various roles is like walking a tightrope; some tasks are delicate as a glass slipper - one misstep and they shatter, while others are flexible like rubber bands - they just bounce back! >>> May is Mental Health Awareness Month Mental Health Awareness Month has been recognized in the U.S. since 1949. Learn more about how to connect with your Life Advisor EAP for assistance. Member Assistance Program Is Now Available! Learn More A Better You Information & webinars for a healthier you... Click Here To Learn More DC Fund Preliminary Investment Results 1.4% YTD as o f Apr . 30, 2024 Stay Informed About Your Benefits..... With text messages from us! Sign Up today so you don't miss out on important information. Enskri! Florida Blue Blog Li piplis Florida Blue Centers Li piplis Florida Blue Centers Li piplis Florida Blue Blog Miami the Falls Hialeah Fort Lauderdale / Sunrise Boynton Beach / Palm Beach Port St. Lucie MCASF Local 725 Pension Fund Annual Funding Notice IRS regulations require that the Annual Funding Notice be provided to members every year. The Annual Funding Notice reflects the Pension Plan's funded status as of the beginning of the 2023 Plan Year (January 1, 2023). Read AFN Here Participant Portal Do more online..... Did you know you can change your address directly on the portal or you can update your beneficiaries. ​ You can complete your enrollment form directly on the portal. Form is pre-populated with your information currently on file so it's easy to update, just a few clicks and you are done. ​ If you are a pensioner, you can change your bank information on your direct deposit. ​ If you need to send us important personal documents such as a birth certificate for a new born or a marriage certificate for your new spouse, you can now upload those documents securely through the participant portal. Login Here Jwenn dènye nouvèl yo nan bwat resepsyon ou ENREGISTRE JODIA! Abònman nan bilten nou an • Pa rate! Imèl Antre nan Mèsi paske w abònman! Jwenn dènye nouvèl yo nan bwat resepsyon ou ENREGISTRE JODIA!

RETIRE KONTRIBISYON DEFINI OU BENEFIS Komisyon Konsèy Administratè MCASF Lokal 725 Retrete pou Kontribisyon Defini Fon kontan akeyi ou nan kontribisyon an defini sit entènèt. Nan sit entènèt sa a, ou pral kounye a gen aksè 24 èdtan nan yon jounen, 7 jou nan yon semèn nan souvan mande fòm, itil make lyen, ak kesyon yo poze souvan konsènan enfòmasyon benefis ou. About the Defined Contribution Fund The MCASF Local 725 Defined Contribution Retirement Fund is a defined contribution retirement plan. The Plan most recently was amended and restated, effective July 1, 2021, and subsequently was amended from time to time to make necessary and desirable changes. ​ The Plan is managed by a Board of Trustees comprised of both Local Union 725 and MCASF representatives. This site provides Participants with online access to complete information about your Defined Contribution Retirement Plan. ​ You should file an Retirement Application well in advance of the date you expect to retire. You may request an Application from the Benefit Office, as well as seek assistance during the application process. Early filing will help you to avoid a delay in the processing of your application and the payment of benefits. Defined Contribution Annual Statements The 2023 Valuation of your DC account(s) has been completed. The Annual Participant Statements have been sent to the printer for mailing. Watch your mailbox for your statement. ​ You can see your account balance with the interest gained in 2023 right now by logging into your participant portal! See Your Balance DC Fund Preliminary Investment Results 1.4% YTD a s o f Apr . 30, 2024 Deklarasyon DC Deklarasyon Kont Patisipan 2021 ou pou Fon pou Retrèt Kontribisyon Definisyon an yo nan pwodiksyon pou poste. ​ Ou pa bezwen tann lapòs la, ou ka jwenn balans 2021 ou kounye a! Antre nan pòtal ou a pou wè.... Peryòd Eleksyon Apati 1ye oktòb rive 30 novanm Mark your calendar to do the 2025 Election to increase your retirement benefit 2022 Summary Annual Report The Summary Annual Report (SAR) provides members with importan t information regarding the Plan. The SAR is required by law to be provided to members by November 15th of each following year. 2022 SAR Summary Plan Description The Board of Trustees are pleased to provided you with the Summary Plan Description, Effective July 1, 2021 ​ This SPD provides the most up to date summary of plan provisions and rules. Get Your SPD More Information On the Defined Contribution Retirement Plan, Contact the Benefit Office @ (754) 777-7735 or Click on the Frequently Asked Questions or Documents pages for additional information or forms. Participant Portal You can review your personal information, 24 hours a day, 7 days a week. Check your account balance(s), hours worked, contributions received on your behalf, you beneficiary and more. You can do address changes directly in the portal as well as upload personal documents securely. Useful Links AARP Internal Revenue Service Medicare Social Security Administration Veteran's Affairs

Swen Sante Dokiman yo Fòm Swen Sante Lis anba a se tout fòm pou plan an. Ou ka telechaje yo epi ranpli yo. Enrollment Forms Standard Forms Dokiman enskripsyon Lis Tcheke Enskripsyon & Fòm Enfòmasyon Vital Enskripsyon & Enfòmasyon Vital (Ranpli) Fòm ​​ Fòm Release HIPAA HIPAA Release (Ranpli) Fòm ​​ Fòm Verifikasyon Chanjman Adrès Adrès Chanjman Verifikasyon (Ranpli) Fòm ​​ Pèt tan - Benefis andikap konplè aplikasyon an Pèt tan - Benefis andikap konplè (ranpli) Aplikasyon Pèt tan - Deklarasyon Doktè a ​​ Siplemantè Self-Pay Eleksyon Fòm Siplemantè Fòm Eleksyon Self-Peye (Ranpli) ​​ Fòm Eleksyon Benefis pou Sibvansyon Retrete Fòm Eleksyon Benefis pou Sibvansyon Retire (Ranpli) ​​ Fòm Benefisyè a Fòm Benefisyè (Ranpli) Address Change Verification Form Address Change Verification Form (Fillable) ​ Address Change Verification Form (Spanish) ​ ​ Beneficiary Form Beneficiary Form (Fillable) Beneficiary Form (Spanish) 2023 Annual Family Statement 2023 Annual Family Statement (Fillable) ​ Annual Family Statements 2023 Annual Family Statement 2023 Annual Family Statement (Fillable) ​ Health Plan Documents Dokiman sa yo konsène tout pati nan plan an. Si gen yon dokiman ou bezwen ki pa nan lis la, tanpri kontakte Biwo Benefis la. Rezime Benefis ak Pwoteksyon pou 2021 ​​ Pèdi Tan - Dispozisyon Benefis Andikap ​​ Règ Sibvansyon Retrete yo ​​ Sipleman Self-Peye Règ ​​ Avi HIPAA sou Pratik Konfidansyalite Divilgasyon Lwa sou Tibebe ki Fenk Fèt Sante fanm ak dwa kansè Pwogram Asirans Sante Timoun yo ​ COBRA Prim pou 2021 Sipleman Self-Peye prim pou 2021 ​ ​ Rezime davans sou Benefis ak Dokiman Pwoteksyon Rezime Benefis ak Pwoteksyon pou 2020 Rezime Benefis ak Pwoteksyon pou 2019 Health Care Mailings Rezime Rapò Anyèl pou 12-31-19 Rezime Rapò Anyèl pou 12-31-18 Avi Memorial Hospital ​​ Deklarasyon Fanmi Anyèl BlueOptions Site anba a se sèvis ak pwodwi yo ofri nan founisè rezo medikal nou an, Florida Blue. Florida Blue Self Serve Options Sant Medikal Sanitas mySanitas Chat Florida Blue Patisipan Sant Florid Blue Mobile App Ki kote mwen ta dwe ale pou swen? Gid Swen Prevantif Konnen anvan ou ale Pito ou pwogrese Lèt Memorial Hospital bay manm yo Medical Website Listed below are services and products offered through our pharmacy benefit manager, Sav-Rx. Welcome Letter Brochure Dental Listed below are services and products offered through our dental network provider, Florida Combined Life, a Florida Blue company. Your Dental Network Navigating the Dental Provider Network The Importance of Seeing your Dentist Have questions about your dental coverage Oral health for overall health ​ ​ Benefit Summary ~ 8/1/21 - 12/31/21 Benefit Summary ~ 1/1/22 - 12/31/22 Dental Website Listed below is information on the Member Assistance Program offered through our provider, Ulliance Life Advisor Member Assistance Program. Member Assistance Program Summary How to login into the Life Advisor portal Legal & Financial Assistance

FAQs This page contains Frequently Asked Questions regarding the Defined Contribution Retirement Fund. Should you have a question or concern regarding your defined contribution retirement benefit contact the Benefit Office at 754-777-7735 or info@725benefits.org Defined Contribution Retirement Fund Frequently Asked Questions 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 do I apply for a benefit? A. The first step is to request an application from the Benefit Office. 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 the Benefit Office to update your records. If you wish to change your beneficiary designation, the Fund Office 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 the Benefit Office 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. The Benefit Office 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, the Benefit Office will contact your spouse or beneficiary. Otherwise, your spouse or beneficiary will need to notify the Benefit Office 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:

Member Assistance Program Available Beginning October 1, 2023 What services will the new Member Assistance Program provide you? The MCASF Local 725 Health & Welfare Trust is pleased to introduce a new Members Assistance Program designed to help Local 725 members and their covered family members cope with the many personal and work challenges that we all encounter from time to time. For example, you may need confidential assistance managing stress or depression, learning new parenting skills, or finding a nursing home for a loved one. This new program, the Ulliance Life Advisor Member Assistance Program , provides many services including short-term counseling for mental health issues, coaching, crisis intervention, and community resources. Other examples of areas of assistance include: Counseling to help you manage stress, anxiety, and depression. Substance abuse counseling. Family issues counseling. Financial counseling. We think this program will be very helpful for you and your family members who are covered under the health plan. ​ Read the Introductory letter to this new program. READ HERE Program Information How is it funded? This new program is funded by the MCASF Local 725 Health & Welfare fringe benefit contribution paid by employers on behalf of eligible Local 725 members. The many services covered by the program will be provided to covered Local 725 members and their family members at no charge. Who should I contact with questions? As with all fringe benefits provided for under the terms of the MCASF Local 725 labor contract, this program will be administered by Benefit Services. If you have questions, please contact Benefit Services. When does the program go into effect? These new members assistance services became available on October 1, 2023. ​ How will Local 725 members and their covered family members be informed about the program? Making sure that all Local 725 members are aware of this new program & the services that it provides is a top priority. With that in mind, the following outreach events are planned: Throughout the month of September, Benefit Services will share information with you via US mail and E-Mail. Benefit Services is coordinating virtual presentations to take place during employers' monthly safety meetings. ​ How can you help support this effort? Benefit Services regularly sends out helpful information on all benefits administered by our office. You can help ensure that we are reaching your covered family members by signing up for our newsletters & important announcements. Spread the word: Please encourage your Local 725 brothers and sisters to watch their mail and emails. Watch Watch these introductory video on our new Member Assistance Program Watch Introductory Video Learn More Learn more on our new Member Assistance Program Member Assistance Program Summary How to Login into the MAP Portal Legal & Financial Assistance 15 Reasons To Use the Life Advisor EAP Anxiety, Stress, Sadness/Depression, Anger, Communication, Relationships, Substance Use/Addictions, Grief and Loss, Parenting/Family, Medical/Elder Care, Career/Performance Issues, Domestic Violence, Legal/Financial. The EAP is for concerns that impact your daily life, relationships, work-life balance, mental health, work and career, quality of life and overall wellness - right now. Call today and speak with a mental health professional before your concerns become a crisis. 1. When you've had an argument with your spouse/significant other and are struggling with communication. 2. When you're worried about something your teenager said or did. 3. When your good friend suddenly ghosts you and you have no idea why. 4. When you're stressed because there's not enough money for holiday season, summer vacation or bills. 5. When you've got a legal question, but you'd rather not ask your family member. 6. When you're feeling overwhelmed with Just. Too. Much, Stuff. To. Do. 7. You just got married and your kids and your new spouse's kids aren't getting along. 8. When you feel down or anxious, don't know why, and aren't sure how to deal with it. 9. When you're struggling at work making mistakes, calling in, or getting written up often. 10. When your grown kids are asking too much of you. 11. When your spouse has lost their job and you don't know where to turn. 12. When you're feeling really isolated, lost or lonely. 13. When you've decided to rein in your spending and create a family budget. 14. If you've thought about hurting yourself. 15. When you've had a death or loss in your family and would like to talk to someone. Ulliance provides no cost, confidential, short-term counseling for you & your family. Contact us at 800-448-8326 Monthly Promotions May is Mental Health Awareness Month. Mental Health Awareness Month has been recognized in the US since 1949. Learn more about how to connect with your Life Advisor EAP for assistance. Especially for discussions on men's mental health which has historically overlooked their unique challenges, including societal norms & biological factors. Read More Discounts For You! WORKING ADVANTAGE Find exclusive deals on hotels, flights, theme parks, and more for your next vacation. Enjoy unbeatable prices on popular destinations through our exclusive network of travel partners. Start planning your dream trip today! Discounts on other items, such as dining, shopping & more. Read More Log In

BENEFIS PANSYON OU Komisyon Konsèy la nan administratè MCASFLocal 725 Fon Trust Pansyon kontan akeyi ou nan sit entènèt la Pansyon. Nan sit entènèt sa a, ou pral kounye a gen aksè 24 èdtan nan yon jounen, 7 jou nan yon semèn nan souvan mande fòm, itil make lyen, ak kesyon yo poze souvan konsènan enfòmasyon benefis ou. About The Pension Fund The MCASF Local 725 Pension Trust Fund is a defined benefit pension plan. The Plan most recently was amended and restated, effective July 1, 2021, and subsequently may be amended from time to time to make necessary and desirable changes. ​ The Plan is managed by a Board of Trustees comprised of both Local Union 725 and MCASF representatives. This site provides Participants with online access to complete information about your Pension Plan. ​ You should file a Pension Application well in advance of the date you expect to retire. You may request an Application from the Benefit Office, as well as seek assistance during the application process. Early filing will help you to avoid a delay in the processing of your application and the payment of benefits. MCASF Local 725 Pension Fund Annual Funding Notice IRS regulations require that the Annual Funding Notice be provided to members every year. The Annual Funding Notice reflects the Pension Plan's funded status as of the beginning of the 2023 Plan Year (January 1, 2023). Read AFN Here Èske w te resevwa yon nouvo kont labank? Si w ap resevwa yon benefis pansyon chak mwa epi ou fèk chanje kont labank ou, ou bezwen mete ajou enfòmasyon sou depo dirèk ou a ak Biwo Fon an pou asire pwochen chèk pansyon w lan depoze kòrèkteman. Ou ka mete enfòmasyon w yo ajou dirèkteman nan pòtal patisipan w la oswa ou ka telechaje fòm nan epi poste l nan Biwo Fon an. Telechaje POU PLIS ENFÒMASYON Konsènan benefis Pansyon ou, elijibilite ak valè akimile, tanpri kontakte Biwo Benefis nan (754) 777 - 7735 NAN Dwèt ou .... Ou ka jwenn kesyon yo poze souvan konsènan Fon Pansyon an ak dokiman popilè tankou yon aplikasyon, fòm depo dirèk ak plis ankò. Klike sou lyen ki anba yo! Kesyon yo mande anpil Dokiman yo Federal Tax W-4P Form IRS - Required Changes to Form W-4P in 2023 Learn More Helpful Pension Links 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 Pòtal Patisipan ENFATIONMASYON PANSYON PÈSONÈL OU Ou kapab kounye a wè enfòmasyon sou benefis pansyon pèsonèl ou, byen epi fasil 24 èdtan pa jou, 7 jou pa semèn. Dwa nan òdinatè oswa menm telefòn ou. ​ Anplis de sa nan enfòmasyon pansyon, ou ka wè tou sante ou ak benefis kontribisyon defini kòm byen ke èdtan travay ak enfòmasyon depandan. Klike Pou Pòtal la>

FAQs This page contains Frequently Asked Questions regarding the Health Fund. Should you have a question or concern regarding your health coverage, contact the Benefit Office at 754-777-7735 or info@725benefits.org Health Fund Frequently Asked Questions 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 the Benefit office. You can download the Enrollment & Vital Information Form located under Health Care Document section on this website and mail it into the Benefit Office. 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 the Benefit Office 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 the Benefit Office 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 the Benefit Office 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. The Benefit Office 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 the Benefit Office at (754) 777-7735 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 the Benefit Office 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 Office 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 the Benefit Office 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 effective May 1, 2024, 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. ​ 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 or you can call the Benefit Office at (754) 777-7735. ​ 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 Florida Blue Dental. To find an in-network dentist quickly and easily, visit www.floridabluedental.com/find-a-dentist ​ 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. ​ Q. How do I request a new dental ID card? A. To request a new dental ID card, please contact Benefit Office 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, effective October 1, 2023, 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 60 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.

About Us Benefit Services was established in 2018 to provide professional, caring and dedicated administration of health care and retirement benefits to the members and their dependents of United Association Air Conditioning and Refrigeration Pipefitters Local Union 725 and to provide remittance support to the contributing employers of Mechanical Contractors Association of South Florida. ​ The Offices of Benefit Services are located at 15800 Pines Blvd., Suite 201, Pembroke Pines, Florida 33027. The Funds. The Employee Benefit Trust Funds are administered and maintained by a Board of Trustees, which consist of equal number of labor appointed and management appointed Trustees. Each Employee Benefit Trust Fund is administered through the terms and provisions of their respected Plan Document and Trust Agreement. PENSION FUND The Pension benefits are provided by the MCASF Local 725 Pension Trust Fund. HEALTH FUND The Health Care benefits are provided by the MCASF local 725 Health & Welfare Trust Fund. DEFINED CONTRIBUTION FUND The Defined Contribution benefits are provided by the MCASF Local 725 Defined Contribution Retirement Trust Fund EMPLOYER REMITTANCE Employer remittance support is provided by the MCASF Local 725 Service Corporation The Board of Trustees. Dedication. Expertise. Passion. Co-Chairman Kenneth E. Scott, Jr. Business Manager/FST UA Local Union 725 Co-Chairman Ed Llosent CEO Airtech Air Conditioning Labor Trustee Thomas A. Flavell Business Agent UA Local Union 725 Employer Trustee Julie C. Dietrich Executive Vice President Mechanical Contractors Association of South FL Labor Trustee Ralph Castro Journeyman South Florida Trane Employer Trustee Carlos I. Borja President Weathertrol Maintenance Corp. Labor Trustee Robert T. Heslekrants General Foreman Nagelbush Mechanical Employer Trustee Chris Figueras President Evo Air The Benefit Office Professional. Caring. Dedicated. Jeffrey Allen Administrator Lianet Prieto Director of Operations Joshua Allen Plan Associate - Healthcare Open Plan Associate - Retirement Roberto Mattei Plan Associate - Accounting

FAQs This page contains Frequently Asked Questions regarding the Pension Fund. Should you have a question or concern regarding your retirement benefit, contact the Benefit Office at 754-777-77353 or info@725benefits.org Pension Fund Frequently Asked Questions 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 the Benefit Office 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 the Benefit Office only. ​ Q. In addition to the application for retirement, what other documents do I have to submit to the Fund office? 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 the Benefit Office or downloaded from the website. Once this form is completed, you must return it to the Benefit Office 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 the Benefit Office or downloaded from the website. Once this form is completed, you must return it to the Benefit Office 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 the Benefit Office 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 the Benefit Office with your new address or b) Complete the Address Change Form located on the website and mail or fax to the Benefit Office 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 the Benefit Office and advise the Healthcare and Retirement Services 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. The Benefit Office 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, the Benefit Office 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. ​ Contact Retirement Services for any additional questions you may have about your pension benefit.

EMPLOYER SERVICES MCASF Local 725 Service Corporation is pleased to welcome you to the Employer website. Within this website, you will have access 24 hours a day, 7 days a week to commonly requested forms, electronic remittance portal, and frequently asked questions regarding the remittance procedures and policies. About Employer Services The MCASF Local 725 Service Corporation provides the contributing employers of the Mechanical Contractors Association of South Fl. with an electronic repositories for their required fringe contributions as defined in the current Collective Bargaining Agreement between the MCASF and UA Local 725. Anplwayè Portal EASY .... SECURE ... FAST Anplwayè Portal anvwa sou entènèt la ap viv kounye a! Ou ka remèt kontribisyon ou chak semèn oswa chak mwa elektwonikman epi ou ka soumèt peman ou nan pòtal la. Antre nan Pòtal la> Manyèl pou Itilize Portal> Videyo sou Sèvi ak Portal Pewòl (Shop) Verifikasyon Fon an te retounen nan revizyon aktif nan dosye pewòl pou asire konfòmite avèk CBA ak Règleman Koleksyon pou koleksyon efikas ak efikas nan kontribisyon obligatwa yo. Tcheke FAQ yo pou plis enfòmasyon. Règleman Koleksyon Kesyon yo mande anpil Member Assistance Progam Not Just for Your Local 725 Employee Members Pou plis enfòmasyon Nou la pou ede! Pou kesyon anplis, ou ka kontakte Biwo Benefis nan (754) 777-7735 oswa ou ka klike sou seksyon Kesyon yo poze souvan. Pou fòm, dokiman, règleman ak manyèl, ou ka klike sou seksyon Dokiman yo. Kesyon yo mande anpil Dokiman yo Helpful Industry Links MCASF Asosyasyon Kontraktè Mekanik nan Sid Florid Tcheke yo> Lokal 725 Asosyasyon Etazini Lokal 725 Èkondisyone & Pipefitters Refrijerasyon Tcheke yo> ARPEC ACRA Local 725 Joint Apprenticeship & Training Committee Èkondisyone, Refrijerasyon & Pipefitting Sant Edikasyon Tcheke yo> Asosyasyon Etazini Plonbye Asosyasyon Etazini, Pipefitters, Sprinklerfitters, Steamfitters, Sèvis Techs Tcheke yo> MCAA Asosyasyon Kontraktè Mekanik nan Amerik la Tcheke yo> MSCA Kontraktè Sèvis Mekanik nan Amerik la Tcheke yo>