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歡迎來到 MCASF 本地 725 福利基金 ​ 在本網站中，您現在可以每週 7 天、每天 24 小時訪問常用表格、突出顯示的有用鏈接、有關福利的常見問題以及安全訪問您的個人福利信息。 ​ 有價值的信息，點擊即可！ 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 Member Assistance Program Is Now Available! Learn More A Better You Information & webinars for a healthier you... Click Here To Learn More Patient Portal Get ready to experience a seamless and convenient way to manage your medications. The Sav Rx portal puts your Pharmacy Benefits at your fingertips! Read More Visit Sav Rx Portal DC Fund Preliminary Investment Results 5.1% YTD as o f June 30 , 2024 Monthly Newsletter The Science of Happiness: Whether you see the glass half full or half empty, there is information based on neuroscience and positive psychology that provides insight into the necessary steps for you to become a happier person! Read More Monthly Video The Science of Happiness: Check out this brief video to discover how intregrating simple strategies can boost your well-being and lead us towards happiness! Watch 佛罗里达蓝博客 阅读更多 佛罗里达蓝色中心 阅读更多 佛罗里达蓝色中心 阅读更多 佛罗里达蓝博客 Miami the Falls Hialeah Fort Lauderdale / Sunrise Boynton Beach / Palm Beach Port St. Lucie Life Advisor Well-Being Webinar Mindful Meditation - A living learning experience Thursday, August 8th at 1:30 p.m. Join the webinar to guide yourself through the practice of mindful meditation. Don't miss this opportunity to improve your mental clarity! Learn More Life Advisor Well-Being Webinar Library OnDemand Videos On demand webinars focusing on work/life balance issues and remedies. Check Out Library Stay Informed About Your Benefits..... With text messages from us! Sign Up today so you don't miss out on important information. Sign Up! 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 将最新消息发送到您的收件箱 立即注册！ Subscribe to our newsletter • Don’t miss out! Email Join Thanks for subscribing! 将最新消息发送到您的收件箱 立即注册！

您的醫療保健福利 MCASF 董事會 當地 725 健康與福利 信託基金很高興歡迎您加入醫療保健 網站。在本網站中，您現在可以每週 7 天、每天 24 小時訪問常見要求的表格、有用的突出顯示的鏈接以及有關您的福利信息的常見問題。 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. ​ 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 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 醫療福利 您的醫療福利網絡由 Florida Blue 提供，要在 Blue Choice 網絡中查找參與的初級保健醫生，請致電 1-800-664-5295 或訪問他們的網站 www.floridablue.com 佛羅里達藍 Member Assistance Program Is Now Available! Learn More Monthly Newsletter The Science of Happiness: Whether you see the glass half full or half empty, there is information based on neuroscience and positive psychology that provides insight into the necessary steps for you to become a happier person! Read More Monthly Video The Science of Happiness: Check out this brief video to discover how intregrating simple strategies can boost your well-being and lead us towards happiness! Watch Life Advisor Well-Being Webinar Mindful Meditation in Action Thursday, August 8th at 1:30 p.m. Join the webinar to guide you through the practice of mindful meditation. Don't miss this opportunity to embark on your journey toward tranquility! Learn More Life Advisor Well-Being Webinar Library OnDemand Videos On demand webinars focusing on work/life balance issues and remedies. Check Out Library 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 A Better You Information & webinars for a healthier you... Click Here To Learn More Your Prescriptions Are Now Being Handled By Sav-Rx Effective May 1st, Sav Rx became the Health Fund's prescription benefit manager. You should provide your pharmacy with the Sav Rx ID card you received in the mail. This is a prescription insurance card, not a discount card. Watch this area for more helpful information regarding drug coverage through the Health Fund. Website Call Guide Patient Portal Get ready to experience a seamless and convenient way to manage your medications. The Sav Rx portal puts your Pharmacy Benefits at your fingertips! Read More Visit Sav Rx Portal Weight management made easier! 時間損失福利 您是否知道，如果您在有資格獲得福利的同時因身體受傷或疾病而完全殘疾，健康基金將向您支付時間損失（短期殘疾）福利。 ​ 福利將從因事故致殘的第一天或因疾病致殘的第 8 天開始，並在任何一個殘障期間持續最多二十六 (26) 週。您不必被限制在家中領取福利，但必須在醫生的照顧下。 ​ 從 2021 年 4 月 1 日開始的損失時間福利開始生效，您將根據您的工作分類獲得福利。 ​ 工頭將軍，工頭。 R5、R1 和 MESJ ~ 每週 500.00 美元 R2 & Apprentice 5th Year ~ $360.00 每週 R3、R4、MES2、MES3、學徒第 2 年、第 3 年、第 4 年和 MAT ~ $250.00 每週 ​ 在此處閱讀有關損失時間福利的更多信息 ​ 應用程序在文檔選項卡上可用 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 Sav-Rx Mail Order Pharmacy Benefits Cost-effective option for long-term maintenance & specialty medications All orders shipped directly to your door for no additional charge How It Works Send in prescription Pay at time of order Orders shipped to you Convenient refills by phone, the Sav-Rx website, or the Sav-Rx App How to Send in Prescriptions (3 Options) Ask your doctor to send the prescription electronically to Sav-Rx in Fremont, NE Ask you doctor to fax Sav-Rx the prescription at 402-753-2890 Call Sav-Rx with your prescription drug name and your physician's contact information and Sav-Rx will do the rest! 佛罗里达蓝 佛罗里达蓝博客 阅读更多 佛罗里达蓝色中心 阅读更多 佛罗里达蓝色中心 阅读更多 佛罗里达蓝博客 Miami the Falls Hialeah Fort Lauderdale / Sunrise Boynton Beach / Palm Beach Port St. Lucie 點擊這裡開始 可通過移動設備訪問 ​ ​ 您還可以通過在您的智能手機上創建新的短信*來使用我們的短信到手機功能。在“收件人”或“收件人”字段中鍵入 258311，然後在“消息”字段中鍵入 BLUE 1024 並按發送。 （確保在單詞 BLUE 和數字之間留一個空格） 然後，您將收到一條短信回复，其中包含一個鏈接，您可以點擊該鏈接打開您的數字教育工具包。 *根據您的計劃和您的運營商適用標準短信費率。 為獲得最佳觀看體驗，請使用 Internet Explorer 10 或更新版本、Chrome、Firefox、Safari 或 Edge。 Florida Blue 是 Blue Cross and Blue Shield Association 的獨立授權商 版權所有 2021 佛羅里達藍；版權所有 看牙医的重要性 学到更多 Learn More 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 為您創建個人健康之旅 - 一個定制的計劃，建議採取行動來實現您的健康目標。活動包括健康飲食、多動小竅門和讓自己感覺更快樂的方法。 Take Charge of Your Health! Ready to get started to a better, healthier you? Complete your Better You Strides Personal Health Assessment (PHA) and receive a customized health and wellness plan that sets the stage for your wellness journey. Learn More Protect Yourself During Flu Season Learn More About Avoiding The Flu Más información sobre cómo evitar la gripe Can I get the flu from the flu shot? I'm young, healthy & have never had the flu. Do I really need a flu shot? How do I know if I have a cold or the flu? 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 了解更多信息 我們隨時為您提供幫助！ 如果您對您的健康福利或資格有任何疑問，請致電 (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 . Where should I go when I need care? 眼鏡蛇付款 可 再生能源 您目前使用 COBRA 持續覆蓋？ 您現在可以使用您的 PayPal 帳戶在線支付每月保費 MCASF地方725健康基金 現在接受 COBRA & 通過 PayPal 自行付款 通過點擊匯出您的每月保費 下面的按鈕。 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

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 Newsletter Pain Management: One area that is often not acknowledged is the psychological and emotion distress that can result from acute & chronic pain. Read More Monthly Video Understanding the Connection Between Pain & Mental Health: Remember help is out there, and you don't have to navigate these challenges alone. Life Advisor Well-Being Webinar Mindful Meditation in Action Thursday, August 8th at 1:30 p.m. Join the webinar to guide yourself through the practice of mindful meditation. Don't miss this opportunity to improve your mental clarity! Learn More Life Advisor Well-Being Webinar Library OnDemand Videos On demand webinars focusing on work/life balance issues and remedies. Check Out Library 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

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衛生保健 文件 醫療保健表格 下面列出了該計劃的所有表格。您可以下載它們並填寫它們。 Enrollment Forms Standard Forms 註冊文件核對清單 註冊和重要信息表 註冊和重要信息（可填寫）表格 ​​ HIPAA 發布表格 HIPAA 發布（可填寫）表格 ​​ 地址變更確認表 地址更改驗證（可填寫）表格 ​​ 時間損失 - 殘疾福利完整申請 時間損失 - 殘疾福利全額（可填寫）申請 時間損失 - 醫師聲明 ​​ 補充自費選舉表格 ​​ 退休人員補貼福利選舉表 退休人員補貼福利選舉表（可填寫） ​​ 受益人表格 受益人（可填寫）表格 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 以下文件與計劃的所有部分有關。如果您需要的文件未列出，請聯繫福利辦公室。 2021 年福利和覆蓋範圍摘要 ​​ 時間損失 - 殘疾福利條款 ​​ 退休人員補貼規則 ​​ 補充自費規則 ​​ HIPAA 隱私慣例通知 新生兒法披露 女性健康與癌症權利 兒童健康保險計劃 ​ 2020 年福利和承保範圍摘要 2019 年福利和承保範圍摘要 Health Care Mailings 12-31-19 年度報告摘要 12-31-18 年度報告摘要 紀念醫院通知 ​​ 年度家庭聲明 BlueOptions 下面列出的是通過我們的醫療網絡提供商 Florida Blue 提供的服務和產品。 Florida Blue 自助服務選項 Sanitas 醫療中心 mySanitas 聊天 佛羅里達藍色參與者中心 佛羅里達藍色移動應用程序 我應該去哪裡護理？ 預防保健指南 出發前須知 更好的你大踏步 紀念醫院給會員的信 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

養老金文件 養老金表格 下面列出了該計劃的所有表格。您可以下載它們並填寫它們。 Standard Forms 聯邦所得稅預扣表 (W-4P) - 可填寫 直接存款表格 直接存款表 - 可填寫 受益人選舉表格 受益人選舉表格 - 可填寫 地址變更確認表 地址更改驗證表 - 可填寫 ​ 退休金申請 退休金申請 - 可填寫 （您需要聯繫福利辦公室獲取您的 福利選項和價值） ​ ​ 倖存配偶申請福利 倖存的配偶福利申請 - 可填寫 ​ 福利的替代收款人申請 福利的替代收款人申請 - 可填寫 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 當地 725 養老金信託基金計劃文件 2020年計劃年度撥款通知 年度撥款通知 2019 計劃年度 2018年計劃年度撥款通知 2017年計劃年度撥款通知 养老金邮件 - 通知 以下文件与提供给计划中所有参与者的邮件或通知有关。如果您需要的邮件或通知未列出，请联系福利办公室。 年度资助通知 2021 计划年份 ​ 年度资助通知 2020 计划年份 年度资助通知 2019 计划年份 2018年度拨款通知计划年 2017年度拨款通知计划年份 IRS - Required Changes to Form W-4P in 2023

確定的貢獻 文件 確定的貢獻 形式 下面列出了該計劃的所有表格。您可以下載它們並填寫它們。 Standard Forms 退休金申請 受益人選舉表格 受益人選舉表格 - 可填寫 地址變更確認表 地址更改驗證表 - 可填寫 替代收款人福利申請 申請尚存配偶或受益人福利 ​ 2021 年選擇性延期選舉表格 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 以下文件與計劃的所有部分有關。如果您需要的文件未列出，請聯繫福利辦公室。 固定繳款計劃文件，2015 年 1 月 1 日生效 修訂 #1 至 1/1/15 計劃文件 15 年 1 月 1 日計劃文件的第 2 號修正案 15 年 1 月 1 日計劃文件的第 3 號修正案 2019計劃年度總結年報 2018年計劃年度總結年報 定義的貢獻郵件 2020年計劃年度總結年報 ​​ 2019計劃年度總結年報 2018年計劃年度總結年報 Elective Deferral Form for 2024 Calendar Year

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. 雇主門戶網站 簡單....安全...快速 雇主在線匯款門戶現已上線！ 您可以以電子方式匯出每週或每月的捐款，也可以通過門戶提交付款。 進入傳送門> 門戶使用手冊 > 門戶使用視頻 New Wage & Benefit Schedule A new wage & benefit schedule is in effective starting with the first full pay period following 7/16. If you are remitting weekly or monthly fringes during the rate change period you will see each employee listed twice in the pre-process report. Additionally, all apprentices that advanced to their next apprenticeship classification will also be listed twice. Read More 薪資（車間）審計 基金已恢復積極審查工資記錄，以確保遵守 CBA 和收款政策，以高效和有效地收取所需捐款。查看常見問題解答以獲取更多信息。 收款政策 常見問題 Member Assistance Progam Not Just for Your Local 725 Employee Members 了解更多信息 我們隨時為您提供幫助！ 如有其他問題，您可以撥打 (754) 777-7735 聯繫福利辦公室，或者您可以單擊常見問題部分。對於表格、文件、政策和手冊，您可以單擊“文件”部分。 常見問題 文件 Helpful Industry Links MCASF 南佛羅里達州機械承包商協會 檢查出來> 本地 725 聯合協會 本地 725 空調和製冷管道裝配工 檢查它們 > 亞太經合組織 ACRA 當地 725 聯合學徒和培訓委員會 空調、製冷和管道配件 教育中心 檢查出來> 聯合協會 United Association Plumbers, Pipefitters, Sprinklerfitters, Steamfitters, Service Techs 檢查出來> MCAA 美國機械承包商協會 檢查出來> 海安會 美國機械服務承包商 檢查出來>

接觸 我們 電話。 754-777-7735 傳真。 754-999-2205 info@725benefits.org ​ 訪問 我們 週一至週五 8:00a - 5:00p ​ 松樹大道 15800 號，201 套房 佛羅里達州彭布羅克派恩斯 33027 告訴 我們 成功！收到消息。 發送

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.

您確定的供款退休 好處 MCASF 本地 725 定額供款退休理事會 基金很高興歡迎您加入固定貢獻 網站。在本網站中，您現在可以每週 7 天、每天 24 小時訪問常見要求的表格、有用的突出顯示的鏈接以及有關您的福利信息的常見問題。 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 mailed. 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 5.1% YTD a s o f June 30, 2024 DC 报表 您的 2021 年固定缴款退休基金参与者账户报表 正在生产中用于邮寄。 ​ 您不必等待邮件，您现在可以得到您的 2021 余额！ 登录您的门户以查看.... Election Period From October 1st to November 30th 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.