результаты поиска

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. ​ 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.

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

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 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

Information & webinars for a healthier you...

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

There’s Nothing Here... We can’t find the page you’re looking for. Check the URL, or head back home. Go Home

Reopening under safe guidelines Our reopening plan follows all health and safety regulations to ensure a safe environment for all visitors. For more info call: 123-456-7890

СОВЕТ ПОПЕЧИТЕЛЕЙ ТРУДОВЫЕ ПОПЕЧИТЕЛИ ​ Кеннет Э. Скотт-младший. Сопредседатель UA местный 725 ​ Томас Флавелл UA местный 725 ​ Роберт Хеслекранц UA местный 725 ​ Ральф Кастро UA местный 725 ​ ​ УПРАВЛЕНИЕ ПОПЕЧИТЕЛЯМИ ​ Эдуардо Льосент Сопредседатель Airtech Кондиционер Джули Дитрих MCASF Карлос Борха Weathertrol Крис Фигерас EvoAir Ларри Минс Альтернативный Юго-восточные чиллеры ​ ​ Местный союз 725 Объединенной ассоциации производителей труб для кондиционирования и охлаждения воздуха Ассоциация механических подрядчиков Южная Флорида 13185 СЗ 45 авеню Опа Лока, Флорида 33054 (305) 681-8596 160 В. Камино Реал # 132 Бока-Ратон, Флорида 33432 (305) 290-3970

СОВЕТ ПОПЕЧИТЕЛЕЙ Джеффри Аллен Администрация Линн Макфадден Администрация Джош Аллен Медицинские услуги ​ Пенсионные услуги Роберто Маттеи Администрация Лианет Прието Услуги работодателя Бульвар Сосны, 15800, офис 201 Пемброк Пайнс, Флорида 33027 (754) 777-7735

SUBSCRIBE Sign me up! I’d like to receive news and updates. Email Submit Thanks for submitting!

Get the Latest News to Your Inbox Subscribe to our newsletter to receive news and updates. Enter your email here Sign Up Thanks for submitting!