Members

Insurance & Retirement

Health & Welfare and Pension Trust Funds for Union Members

Member’s Health & Welfare Plans, Pension, and other benefit plans are administered by several labor/management funds. The trust funds serve specific collective bargaining and geographic areas. They are administered by a joint committee of composed labor and management who are signatory to the trust fund agreement. The administration office handles day to day administration.

Benefit Contributions

Contracts within the regional council can have different levels of benefit contributions. It is the responsibility of each member to read and become familiar with the agreement they are working under, and the applicable benefit contribution, this is particularly important if you work in a different jurisdiction.

Vesting Your Pension

All trust funds have requirements for vesting your retirement plan. Benefits are not guaranteed until you are vested. Rules for vesting can be found in the summary plan description (SPD), available at your local union or fund office. To vest in your retirement, you must work a predetermined amount of hours and the signatory employer reports the hours and contributions to the appropriate trust fund.

Record Keeping

Signatory employers make contributions to the trust funds each month for every hour worked within the month by the member. On rare occasions, for various reasons, contribution and hours do not match, or have not been made, so be sure to keep good records and documentation, which will include any records the council or local union may or may not have. The following tips will help with such:

  • Check Stubs
  • Keeping a record of you dispatches
  • Compare your periodic trust statement with your records

Health & Welfare

Mid-South Carpenters Regional Council Health and Welfare Fund
Southern Benefit Administrators, Inc.
P.O. Box 1449
Goodlettsville, TN 37070-1449
Ph: 800-831-4914
Fax: 615-859-4699
Eligibility Specialist: Becca Honeycutt
Benefits/Claims Specialist: Kristy Caldwell
Reciprocity Specialist: Tina Blackburn

Initial

An employee will become initially eligible on the first day of the next month following the month in which $1,755.00 in employer contributions are received in their behalf. Coverage will remain in effect during the month that the employee gains eligibility as well as the two following benefits months**. For example, $1755.00 in contributions received with December 2015’s work, participant will be eligible January 1, 2016-March 31, 2016.

Continuing Eligibility

After the Initial eligibility requirement has been fulfilled and employee will continue to maintain eligibility provided a minimum of $585.00 in employer contributions are reported on a monthly basis.

Work Month

  • January
  • February
  • March
  • April
  • May
  • June
  • July
  • August
  • September
  • October
  • November
  • December

Benefit Month

  • April
  • May
  • June
  • July
  • August
  • September
  • October
  • November
  • December
  • January
  • February
  • March

**Amounts are subject to change

Reinstatement of Eligibility

If the coverage has been terminated for less than 6 months, refer to the continuing eligibility rules. If longer than 6 months, member must once again fulfill the initial requirements.

Bank

After the initial eligibility requirement has been fulfilled a bank is established. Contributions in excess of $585.00 per month will be credited. The minimum is $1,755.00.

Self-Payments

Should a participant loose eligibility under the plan, self-payments can be made for 6 months. The first payment will be the difference between $585.00 and the amount in their contribution bank. The following five will be $585.00 per month.

COBRA

COBRA is available for up to 18 months and the monthly cost is $650.00.

Retiree COBRA

If a participant has attained age 60 1/2 as of the date their coverage ends based solely on lack of work hours and they are a member in good standing with the local union throughout the duration of COBRA, their COBRA may be extended for up to 54 months or until Medicare eligible. Should a retiree become eligible for Medicare while on COBRA, his dependents are eligible to continue COBRA for the remainder of the 54 months that the retiree was entitled to receive.

It is imperative to submit both self-payments & COBRA payments by date due, to continue coverage.

Other Health & Welfare Fund:

AFL-AGC H&W Fund
Contact: Lauri King
PO Box 1492
Mobile, AL 36633
Ph: 800-828-8922

Pension Fund

Tri-State Pension Administered by Southern Benefit Administrators
Contact: Kathy Cobbett
P.O. Box 1449
Goodlettsville, TN 37070-1449
Phone: 615-859-0131
Toll Free: 800-831-4914
Serving Local Unions 50, 74, & 1209

Local Union 318 Pension Fund Administered by Zenith American Solutions
Contact: Barbara Peterson
100 Crescent Centre Parkway, Suite 400
Tucker, GA 30084
Phone: 800-959-3953
Phone: 770-934-3953
Serving Local Union 318

Carpenters Local Union 303 Pension Fund Administered by Zenith Administrators
Carpenters Labor Management Pension Fund

Contact: Lisa Alverez
1300 South Meridian, Suite 200
Oklahoma City, OK 73108
Phone: 800-344-0144

AFL-AGC Pension Fund
Contact: Lauri King
PO Box 1492
Mobile, AL 36633
Phone: 800-828-8922
Fax: 251-432-0590

Middle TN Carpenters & Millwrights Pension Fund Administered by
Southern Benefits Administrators

Contact: Sherry Pulley
P.O. Box 1449
Goodlettsville, TN 37070-1449
Phone: 615-859-0131
Toll Free: 800-831-4914
Fax: 615-859-6792
Serving Local Union 223

Carpenters Local Union 345 Pension Fund
Contact: Brandy Goolsby
5705 Stage Rd. Suite 121
Bartlett, TN 38134
Phone: 901-372-3313
Fax: 901-372-3314
Serving Local Union 345

Carpenters Local Union #50 Annuity Fund
c/o Southern Benefit Administrators
Contact: Angela C.
PO Box 1449
Goodlettsville, TN 37070-1449
Phone: 615-859-0131
Toll Free: 800-831-4914
Serving Local Union 50

Louisiana Carpenter Regional Council Supplemental Retirement Fund
Contact: Sherry or Dana
8875 Greenwell Springs
Baton Rouge, LA 70814
Phone: 225-927-6068

South Central Regional Council Annuity Fund
c/o Regions Bank — Trust Dept.
Contact: Rick Harvey
P.O. Box 2527
Mobile, AL 36622
Phone: 251-690-1337

Reciprocal

(Money Follows the Person)

As you become aware of your benefit plan you will see the importance of having all your contributions going to the same trust fund (your home fund). If you work out of your home trust area for a signatory employer an important tool for maintaining your vesting requirements and health & welfare is the “Reciprocal Form”, (Money follows the person), available by clicking the link below, or at your local union or fund office. This form should be properly filled out and signed by you and turned in to the out of area fund in order to transfer contributions made on your behalf from the employer back to your home fund. If you accept employment out of your home trust fund area, YOU THE MEMBER, are responsible to make a request for a reciprocal form. Once a reciprocal form is on file with a fund in most instances it remains on file until you revoke it.

Members working outside of the jurisdiction of their home local will need to complete a reciprocal form for both the H&W Fund and the Pension Fund. This allows the funds in the jurisdiction in which the member is working to transfer all of their benefits back to their home funds. A reciprocal must be completed and submitted within 120 days of the hire in date. Failure to do so may result in benefits not being reciprocated. These forms can be obtained by clicking on the appropriate link below, or by contacting your local home fund. If you should require assistance in completing the form(s) contact your Local Union or Fund Office.

Health & Welfare Reciprocal Forms:

Pension Reciprocal Forms: