NEW ENGLAND CARPENTERS BENEFITS FUND Fourth Year Apprentice - PowerPoint PPT Presentation

NEW ENGLAND CARPENTERS BENEFITS FUND Fourth Year Apprentice Training 6/26/2017 REV6-17

Agenda - Contributions • Contacting the Fund Office • Checking Your Benefits On-Line – Member Sign-In/Password – Summary of Contributions at-a-glance • How Your Hours are Reported – How does the CCA Validate and Confirm Hours: 1. Open Pending Reports 2. No Reports Files 3. Payroll Audit • Reciprocal Form – Annuity – Pension – Health • Member Stamp Book • Vacation Fund REV6-17 2

Agenda – Health Benefits • When Do I Get Health Insurance? • Eligibility Periods & Coverage Periods • Additional Medical Benefits • Medical: Blue Cross Blue Shield - Iora Primary Care • Prescriptions – Express Scripts • Delta Dental • NECBF Vision Center & Davis Vision • Carpenters Assistance Program • KGA (Employee Assistance Program) • Contact Information for Health Fund Service Providers REV6-17 3

Agenda – Pension & Annuity Benefits Pension Benefits • Vesting Credits • Pension Credits • What is a Break in Service? • Additional Benefits • When Can You Retire? • Estimating your Monthly Benefit • Pre-Retirement Death Benefits Annuity Benefits • Vesting & Eligibility • Pre-Retirement Death Benefits • Annuity Withdrawal Eligibility • Loans Life Events 4 REV6-17

Contributions 5 REV6-17

How to Reach the Fund Office • Go to our website (www.carpentersfund.org) to register for the Member Self- Service portal. • To contact the Fund Office call 1.800.344.1515 and follow the menu of prompts below: Employers needing assistance with Option 8 Point.Click.Remit Report missing hours Option 7 Reach a Fund Office staff member Enter 4 digit extension or Option 1 to reach name directory If calling from a doctor’s office, hospital, or Option 2 other medical provider Employers or members calling specific Option 4 and follow: Press 1 – Health Fund Benefits departments Press 2 – Pension or Annuity Benefits Press 3 – Vacation Fund Benefits Press 4 – Central Collection Agency re: member or contractor services Press 5 - Electronic Benefits Program or to purchase stamps Carpenters Assistance Program (Paul Option 5 Greeley) 6 REV6-17

Checking Your Benefits on Line 7 REV6-17

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How hours are reported CENTRAL COLLECTIONS AGENCY Electronic Benefit Reporting System ● > Reporting hours Tracking “no reports” filed > > Setting up new employers and members ● Missing Stamp Hotline Payroll Audit Department ● > In-house: Jennifer Allen & Brian Crowley > External firm: Buckley, Frame & Boudreau RECIPROCAL FORM Pension, Annuity & Health ● THE WEBSITE ● www.carpentersfund.org ESS – Electronic Benefit System / Employer Reporting Portal ● THE MEMBER STAMP BOOK ● Available from Local or Central Collections Agency on a request basis No longer printed & mailed annually > 15 REV6-17

Reciprocal Form – Pension, Annuity & Health Authorization Form for the Transfer of Contributions  If you work outside the jurisdiction of Massachusetts, Maine, New Hampshire or Vermont, you must complete this form so that your hours are with your Home Fund.  Contact the Fund Office for the form. You have 60 days to complete and return from the date you started working under the related fund. The form can be completed and returned to the Fund Office prior to your actual start date.  Indicate that you want your pension, annuity and health hours transferred back to your Home Fund.  Once completed, the form does not have to be completed again should you return to work in that jurisdiction. 16 REV6-17

Member Stamp Book • If you are a dues paying member in good standing you are provided with a stamp book (at your request currently) • The Fund Office provides services to the following Local Union offices: Metropolitan Boston Carpenters Local Unions: 33, 40, 67, 218 Eastern MA Carpenters Local Unions: 26, 107, 111, 275, 475, 535, 624, 1305 Western MA Carpenters Local Union 108 Wharf & Bridge Carpenters (Piledrivers) Local Union 56 Eastern Millwright Regional Council Local Union 1121 MA Floorcoverers Local Union 2168 Northern New England Carpenters Local Unions 118, 1996 Woodframe Carpenters Local Union 723 17 REV6-17

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Vacation Fund  Vacation Fund checks are issued annually on December 1, covering the period October 1, through September 30 (if received by October 31), including any prior periods: (i.e. late contributions)  Keep your address up to date with the Fund Office to avoid:  Member address search conducted after 6 months, if check not cashed -fee $50  Forfeiture:  After 6 months if account less than $100  After 12 months if account greater than $100 19 REV6-17

Health Benefits REV6-17 20

When Do I Get Health Insurance? Follow These Steps: Step III – Step IV – Step I – At the Step II – First Hours Worked Receive time you join Worked Hour In Qualifying Eligibility the Union to Fund Office Work Period Statement Local will give you At the Fund Office, The Fund office will The Fund Office will send Health Dependent Member Data track your hours an Eligibility Statement, Enrollment form and a Department will send a during two providing hours worked Beneficiary New Member Packet, Qualifying Work and resulting coverage Designation form. You with information about Periods each year: for Insured Periods February – July should complete and all benefits. 1) starting October 1 and 2) August – January send to Fund office. April 1 Newly Eligible Participants will receive their identification cards in the mail within 7 to 10 business days from the date coverage is effective. 21 REV6-17

Eligibility & Coverage Periods Area Plan 1 Plan 2 Qualifying Work Insured Period Period August – January April – September Massachusetts 500 hours 300 hours Carpenters, Piledrivers, and and Floorcoverers and 1,050 Hours February - July October - March Millwrights (Mass/RI) 12-Month Look Back August – January April – September Northern New England 600 hours 350 hours Locals 118 and 1996 and and 1,250 Hours February - July October - March 12-Month Look Back August – January April – September Northern New England 575 hours 345 hours Millwrights and and 1,200 Hours February - July October - March 12-Month Look Back August – January April – September Woodframe Local 723 700 hours 420 hours and and 1,450 Hours February - July October - March 12-Month Look back 600 hours 350 hours August-January April-September Western Mass Local 108 and and 1,250 Hours February-July October-March 12-Month Look Back 22 REV6-17

Medical Coverage & Benefits  Medical & Surgical Benefits through the BCBS PPO network  Prescription Drug Program: Express Scripts and Diplomat for specialty drugs  Vision Benefits: Davis Network or Carpenters Vision Center  Carpenters Assistance Program in partnership with KGA  Dental Benefits: Delta Dental (Plan 1 only)  Iora Primary Care  Life Insurance: AIG Benefit Solutions REV6-17 23

Additional Medical Benefits Apprentice Training Center Hours   If you are an Apprentice attending school at the Apprentice Training Center and do not work enough hours during a work period, the Plan will grant coverage if you are short 40 hours or less for one week of school or 80 hours or less for two weeks of school. Apprentice Training Center hours cannot be applied toward Short Hour Buy-In, COBRA, or the 12-Month Look Back rule. Disability Extensions   If you become totally disabled during a work period and, as a result of that disability, you did not have enough hours to qualify for coverage, you may be eligible for a Disability Extension that extends your coverage period under the Plan. You may be granted coverage for up to two insured periods over the course of your career. They may be used consecutively in connection with one continuing disability, or they may be used on separate occasions in connection with separate disabilities  Accident & Sickness Benefits ( Cannot be receiving Workers Compensation or Unemployment) $500 per week for Plan 1 Participants BCBSMA   Life Insurance  $20,000 upon the death of the participant  $2,000 upon the death of the spouse  Accidental Death or Dismemberment Benefits  Accidental Death and Dismemberment (AD&D) Insurance provides a benefit for Plan I and II participants for accidental loss of life, limbs or eyesight while you are covered by the New England Carpenters Health Benefits Fund through worked hours, including Short Hours Buy-In or a disability extension. Accidental Death coverage is $20,000. Widow’s Extension   Upon the death of the participant, the surviving spouse and dependents will be eligible for an extension of health insurance for a period of 3 years, provided the surviving spouse and dependents have no other coverage. 24 REV6-17

Carpenters Care • One Location: Carpenters Center, Boston is the home of Carpenters Care • Four important benefit programs: 1.Vision Center 2.Audiology 3.Carpenters Assistance Program (CAP) 4.Iora Primary Care 25 REV6-17