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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. ​ 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:

Ваши медицинские преимущества Попечительский совет MCASF Местный 725 Health & Welfare Доверительный фонд рад приветствовать вас в Health Care интернет сайт. На этом веб-сайте теперь у вас будет доступ 24 часа в сутки, 7 дней в неделю к часто запрашиваемым формам, полезным выделенным ссылкам и часто задаваемым вопросам, касающимся информации о ваших льготах. About the Health Fund The MCASF Local 725 Health & Welfare Trust Fund is a healthcare 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 Healthcare Plan. ​ Upcoming Changes to the Health Plan Effective May 1, 2024 As you know the Board of Trustes carefully & routinely reviews the Plan benefits, eligibility and vendors to assure that the best affordable benefits are provided. As a result of this review the following 2 changes are being implemented as noted on the next slides. LEARN MORE Member Assistance Program Is Now Available! Learn More Read SMM #1 MCASF Local 725 Health & Welfare Fund Summary of Material Modifications #1 ~ Cellular & Gene Therapy Exclusion, Effective January 2, 2024 ​ #2 ~ Calendar Year Maximum Out of Pocket Expense Change, Effective January 1, 2024 as required by Section 104(b) of ERISA READ SMM #2 HEALTHY ADDITION PRENATAL PROGRAM Florida Blue has found some great ways to help give you and your baby the best care available, even before they are born. Learn More Медицинские льготы Ваша сеть медицинского страхования предоставляется компанией Florida Blue, чтобы найти участвующего врача первичной медико-санитарной помощи в сети Blue Choice, пожалуйста, позвоните 1-800-664-5295 или посетите их веб-сайт по адресу www.floridablue.com Флорида Блю A Better You Information & webinars for a healthier you... Click Here To Learn More Управление весом стало проще! Пособие за потерю времени Знаете ли вы, что если вы станете полностью инвалидом из-за телесных повреждений или болезни, имея право на получение пособия, касса здравоохранения выплатит вам пособие в связи с потерей времени (краткосрочной нетрудоспособностью). ​ Пособие начнется с первого дня потери трудоспособности в результате несчастного случая или с 8-го дня потери трудоспособности по болезни и будет продолжаться в течение любого периода нетрудоспособности в течение максимум двадцати шести (26) недель. Вам не обязательно находиться дома для получения пособия, но вы должны находиться под наблюдением врача. ​ Начиная с 1 апреля 2021 г., вы получите пособие в связи с потерей рабочего времени, и вы получите пособие в соответствии с вашей классификацией должностей. ​ Генеральный прораб, прораб. R5, R1 и MESJ ~ 500 долларов США в неделю R2 & Apprentice 5th Year ~ 360,00 долларов в неделю R3, R4, MES2, MES3, ученик 2-го года, 3-го года, 4-го года и MAT ~ 250,00 долларов в неделю ​ Подробнее о льготах за потерю времени читайте здесь. ​ Приложения доступны на вкладке Документ Application Read More Feeling sluggish or down lately? it may be your body's way of telling you to eat more nutrient-rich foods. Good nutrition, along with keeping physically active, sleeping well, and managing your stress, is important to healthy aging and reinforces your body's first line of defense against stress and illness. TODAY is the perfect time to develop better eating habits. We've provided two documents below to help you get started. Healthy Words of Wisdom Making Food Fun Again Quick healthy lunch & snack Eating healthy does not have to be expensive or time consuming. Learn the tricks to help you make a healthy meal and snack in just a few minutes. Go to Beat stress with these super foods While stressors are inevitable, you can mitigate their impact on your physical and emotional health by eating these mood boosting nutrients Go to Flush your stress with water Did you know even mild dehydration can impact your stress level? Learn how to increase your daily water intake and start feeling more relaxed today Go to Флорида Блю Флорида Блю Блог Прочитайте больше Флорида Блю Центрс Прочитайте больше Флорида Блю Центрс Прочитайте больше Флорида Блю Блог Miami the Falls Hialeah Fort Lauderdale / Sunrise Boynton Beach / Palm Beach Port St. Lucie Ulliance Promotional No Gym, No Problem: Home Workout Essentials Discover the ease and effectiveness of home workouts with our webinar, "No gym, No problem: Home Workout Essentials". Learnt to utilize minimal equipment, set achievable goals and harness the power of strength training and technology for a healthier lifestyle. Learn More & Register Here Another way to save money Learn More With GoodRx you may save on your prescriptions You may be able to save money on your prescription with GoodRX has they may be able to find you a lower price than your insurance co-payment but please be aware that scripts filled utilizing GoodRX do not go toward your out-of-pocket maximums. НАЖМИТЕ ЗДЕСЬ ЧТО БЫ НАЧАТЬ Доступно с мобильных устройств ​ ​ Вы также можете использовать нашу функцию преобразования текста в мобильный, создав новое текстовое сообщение * на своем смартфоне. Введите 258311 в поле «Кому» или «Получатели», затем введите СИНИЙ 1024 в поле «Сообщение» и нажмите «Отправить». (убедитесь, что вы оставили пробел между словом СИНИЙ и числом) После этого вы получите ответное текстовое сообщение со ссылкой, по которой вы можете открыть свой цифровой образовательный комплект. * Стандартные тарифы на обмен текстовыми сообщениями зависят от вашего тарифного плана и вашего оператора связи. Для оптимального просмотра используйте Internet Explorer 10 или новее, Chrome, Firefox, Safari или Edge. Флорида Блю является независимым лицензиатом Ассоциации Голубого Креста и Голубого Щита. Авторское право 2021 Florida Blue; Все права защищены Важность визита к стоматологу Учить больше Учить больше Map Your Personal Path To Health Welcome to Better You Strides, an online wellness program that uses your needs, goals and interest to build your custom-made plan to better health. Brought To You By: Better You Strides создает для вас «Путешествие по личному здоровью» - индивидуальный план с рекомендуемыми действиями для достижения ваших целей в области здоровья. Мероприятия включают в себя здоровое питание, советы, как больше двигаться, и способы почувствовать себя счастливее. Take Charge of Your Health! Готовы начать работу над собой, чтобы стать лучше и здоровее? Заполните свойBetter You Strides Персональная оценка здоровья (PHA) и получите индивидуальный план здоровья и хорошего самочувствия, который подготовит почву для вашего пути к здоровому образу жизни. Учить больше Защитите себя во время сезона гриппа Узнайте больше о предотвращении гриппа Más información sobre cómo evitar la gripe Могу ли я заболеть гриппом от прививки от гриппа? Я молод, здоров и никогда не болел гриппом. Мне действительно нужна прививка от гриппа? Как я узнаю, что у меня простуда или грипп? Helpful Healthcare Links Florida Blue Your Link to Florida Blue Florida Blue Dental Your link to Florida Blue Dental Sav-Rx Prescription Service Your Link to Sav-Rx Prescription Services Medicare Your Link to Medicare CDC Your link to the Center for Disease Control Florida Dept. of Health Your link to the Florida Department of Health Health & Human Services Your link to the Department of Health & Human Services Ulliance Your link to Ulliance Life Advisor Member Assistance Suicide & Crisis Lifeline Your link to the National Suicide & Crisis Lifeline За дополнительной информацией Мы здесь, чтобы помочь! Если у вас есть какие-либо вопросы относительно ваших медицинских льгот или права на участие, позвоните нам по телефону (754) 777-7735. Your health matters. Don't miss this important screening reminder. Getting your Pap smear may help save your life. You may be due for an important routine screening. Completing your routine Pap smear at least every 3 years (or HPV test every 3 years) is one of the best things you can do to help prevent cervical cancer. ​ Also, regular screenings allow you to detect abnormalities early and reduce your chances of developing cervical cancer. ​ Call your primary care doctor or OB-GYN today to schedule your Pap smear or HPV test. ​ Find answers about cervical cancer and screening options, visit www.floridablue.com/answers/managing-your-health/cervical-cancer-screening . ПЛАТЕЖИ COBRA А RE ВЫ НАСТОЯЩИЙ НА КОБРЕ ПРОДОЛЖЕНИЕ ПОКРЫТИЯ? Теперь вы можете вносить ежемесячные взносы онлайн со своей учетной записи PayPal. MCASF Local 725 Health Fund ТЕПЕРЬ ПРИНИМАЕТ COBRA & САМОПЛАТЫ ЧЕРЕЗ PayPal Внесите ежемесячный страховой взнос, нажав кнопку ниже. Transparency in Coverage Your Health Fund's compliance with the CCA and The No Surprises Act and Transparency in Coverage. ​ The Transparency in Coverage final rules require non-grandfathered group health plans such as our to disclose on a public website information regarding: In-network negotiated rates for covered items and services Out-of-Network allowed amount and billed charges for covered items and services As of July 1, 2022, these machine-readable files (MRFs) must be made "publicly available and accessible to any person free of charge and without conditions, such as establishment of a user account, password or other credentials or PII to access the file" and must be updated on a monthly basis. (These files are extremely large and download for an individual will be impacted by your hardware, browser and internet speed)​ You can access these read-able files & documents by clicking below : Transparency Website

ВАШ ОПРЕДЕЛЕННЫЙ ВЗНОС ВЫПЛАТЫ ПРЕИМУЩЕСТВА Попечительский совет MCASF Local 725 Пенсионный фонд с установленными взносами Фонд рад приветствовать вас в программе с установленным взносом интернет сайт. На этом веб-сайте теперь у вас будет доступ 24 часа в сутки, 7 дней в неделю к часто запрашиваемым формам, полезным выделенным ссылкам и часто задаваемым вопросам, касающимся информации о ваших льготах. 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. DC Fund Preliminary Investment Results 3.3% YTD a s o f Mar . 31, 2024 Заявления постоянного тока Выписки со счета участника за 2021 год для пенсионного фонда с установленными взносами находятся в производстве для рассылки. ​ Вам не нужно ждать почту, вы можете получить баланс на 2021 год прямо сейчас! Войдите на свой портал, чтобы просмотреть.... Период выборов с с 1 октября по 30 ноября 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

FAQs This page contains Frequently Asked Questions regarding Employer Services. Should you have a question or concern regarding services for employers, you should contact Benefit Services at 754-777-7735 or info@725benefits.org Employer Services Frequently Asked Questions 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. Can I remit my contribution reports monthly? A. Yes, you can remit your reports monthly. Please be advised that your reports are due within 10 working days from the last day of the month. ​ 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 if you report weekly or $4,000.00 per employee if you report monthly. The Benefit Office 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 the Benefit Office 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 the Benefit Office for assistance. ​ Q. How do I know if my employee elected to contribute to the DC Fund? A. The Benefit Office 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 the Benefit Office 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.

Information & webinars for a healthier you...

Добро пожаловать в MCASF Местные фонды пособий 725 ​ На этом веб-сайте теперь у вас будет доступ 24 часа в сутки, 7 дней в неделю к часто запрашиваемым формам, полезным выделенным ссылкам, часто задаваемым вопросам о льготах и безопасный доступ к вашей личной информации о льготах. ​ Ценная информация, на расстоянии одного клика! Upcoming Changes to the Health Plan Effective May 1, 2024 As you know the Board of Trustes carefully & routinely reviews the Plan benefits, eligibility and vendors to assure that the best affordable benefits are provided. As a result of this review the following 2 changes are being implemented as noted on the next slides. LEARN MORE 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 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 Connecting with nature offers an opportunity to enjoy life's simple pleasures & significantly improve our mental wellness at the same time. 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 3.3% YTD as o f Mar . 31, 2024 Stay Informed About Your Benefits..... With text messages from us! Sign Up today so you don't miss out on important information. Зарегистрироваться! Флорида Блю Блог Прочитайте больше Флорида Блю Центрс Прочитайте больше Флорида Блю Центрс Прочитайте больше Флорида Блю Блог 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 Получайте последние новости на свой почтовый ящик ЗАРЕГИСТРИРОВАТЬСЯ СЕГОДНЯ! Subscribe to our newsletter • Don’t miss out! Email Join Thanks for subscribing! Получайте последние новости на свой почтовый ящик ЗАРЕГИСТРИРОВАТЬСЯ СЕГОДНЯ!

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

ВАШИ ПЕНСИОННЫЕ ПОСОБИЯ Попечительский совет Целевого пенсионного фонда MCASFLocal 725 рад приветствовать вас на веб-сайте Пенсионного фонда. На этом веб-сайте теперь у вас будет доступ 24 часа в сутки, 7 дней в неделю к часто запрашиваемым формам, полезным выделенным ссылкам и часто задаваемым вопросам, касающимся информации о ваших льготах. 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 Вы получили новый банковский счет? Если вы получаете ежемесячное пенсионное пособие и недавно изменили свой банковский счет, вам необходимо обновить информацию о вашем прямом депозите в офисе Фонда, чтобы убедиться, что ваш следующий пенсионный чек будет депонирован правильно. Вы можете обновить свою информацию непосредственно на своем портале для участников или загрузить форму и отправить ее по почте в офис Фонда. СКАЧАТЬ ЗА ДОПОЛНИТЕЛЬНОЙ ИНФОРМАЦИЕЙ По вопросам пенсионных пособий, права на участие и накопленной стоимости обращайтесь в отдел выплат по телефону (754) 777-7735. На кончиках ваших пальцев .... Вы можете найти часто задаваемые вопросы о Пенсионном фонде и популярные документы, такие как заявление, форма прямого депозита и многое другое. Нажмите на ссылку ниже! FAQs Документы 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 Портал участников ВАША ЛИЧНАЯ ПЕНСИОННАЯ ИНФОРМАЦИЯ Теперь вы можете безопасно и легко просматривать информацию о своем личном пенсионном пособии 24 часа в сутки, 7 дней в неделю. Прямо с компьютера или даже ваш телефон. ​ Помимо информации о пенсиях, вы также можете просматривать информацию о своем здоровье и пенсиях с установленными взносами, а также часы работы и информацию о иждивенцев. Щелкните для портала>

Определенный взнос Документы Определенный взнос Формы Ниже перечислены все формы плана. Вы можете скачать их и заполнить. Standard Forms Заявление на получение пенсионного пособия Форма выбора бенефициара Форма избрания бенефициара - заполняемая Форма подтверждения изменения адреса Форма подтверждения изменения адреса - заполняемая Заявление на получение льгот для альтернативных получателей платежей Заявление на получение пережившего супруга или бенефициара ​ Форма об отсрочке выборов в 2021 году 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 Следующие документы относятся ко всем частям плана. Если есть необходимый вам документ, которого нет в списке, обратитесь в отдел выплат. Документ с установленным планом взносов, вступает в силу 01.01.2015 Поправка №1 к Плану 1 января 2015 г. Поправка № 2 к Плану 1 января 2015 г. Поправка № 3 к Плану 1 января 2015 г. Сводный годовой отчет за 2019 плановый год Сводный годовой отчет за 2018 плановый год Рассылка с определенным вкладом Сводный годовой отчет за 2020 плановый год ​​ Сводный годовой отчет за 2019 плановый год Сводный годовой отчет за 2018 плановый год Форма выборочной отсрочки на 2023 календарный год Форма выборочной отсрочки на 2022 календарный год Форма выборочной отсрочки на 2021 календарный год Форма выборочной отсрочки на 2020 г. с изменениями Форма выборочной отсрочки на 2020 календарный год Форма выборочной отсрочки на 2019 календарный год

Работодатель Документы Employer Documents The following documents pertain to all parts of the contribution remittance process. If there is a document you need that is not listed, please contact the Benefit Office. Collective Bargaining Agreement (CBA) ​ Collection Policy ​ ​ Current Wage & Benefit Schedule - Eff. 7/16/23 Recently Expired Wage & Benefit Schedule - Eff. 7/21/22 Employer Electronic Remittance Guide ​ Рассылка с определенным вкладом Listed below are mailings that have been sent to all contributing employers. 104(d) Notice for PYE 12/31/22

Пенсионные документы Пенсионные формы Ниже перечислены все формы плана. Вы можете скачать их и заполнить. Standard Forms Федеральная форма удержания подоходного налога (W-4P) - заполняемая Форма прямого депозита Форма прямого депозита - заполняемая Форма выбора бенефициара Форма избрания бенефициара - заполняемая Форма подтверждения изменения адреса Форма подтверждения изменения адреса - заполняемая ​ Заявление на получение пенсионного пособия Заявление на получение пенсионного пособия - заполняемое (Для получения варианты льгот и ценности) ​ ​ Заявление о пособии для пережившего супруга Заявление о пособии для пережившего супруга - заполняемое ​ Заявление на получение пособия для альтернативного получателя платежа Заявление на получение пособия для альтернативного получателя платежа - заполняемое 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. Документ о плане трастового фонда Пенсионного фонда ACRA Local 725 Годовое уведомление о финансировании на 2020 плановый год Годовое уведомление о финансировании План за 2019 год Годовое уведомление о финансировании План за 2018 год Годовое уведомление о финансировании на 2017 год Плановый год Пенсионные рассылки - Уведомления Следующие документы относятся к рассылкам или уведомлениям, направляемым всем участникам плана. Если вам нужно письмо или уведомление, которых нет в списке, обратитесь в отдел пособий по пособиям. Уведомление о годовом финансировании на 2021 плановый год ​ Уведомление о годовом финансировании на 2020 плановый год Уведомление о годовом финансировании на 2019 плановый год Уведомление о годовом финансировании на 2018 плановый год Уведомление о годовом финансировании на 2017 плановый год IRS - Required Changes to Form W-4P in 2023

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