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Witamy w MCASF Lokalne 725 Fundusze Świadczeń ​ W ramach tej witryny będziesz mieć teraz dostęp przez 24 godziny na dobę, 7 dni w tygodniu do najczęściej żądanych formularzy, przydatnych wyróżnionych linków, często zadawanych pytań dotyczących świadczeń oraz bezpiecznego dostępu do informacji o korzyściach osobistych. ​ Cenne informacje w zasięgu jednego kliknięcia! 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. 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. 03 >>> From Stress to Serenity Connecting with nature offers an opportunity to enjoy life's simple pleasures & significantly improve our mental wellness at the same time. 04 >>> Balancing Act: The Art of Juggling Life 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. Zapisać się! Niebieski blog na Florydzie Czytaj więcej Niebieskie centra na Florydzie Czytaj więcej Niebieskie centra na Florydzie Czytaj więcej Niebieski blog na Florydzie 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 Pobierz najnowsze wiadomości do swojej skrzynki odbiorczej ZAPISZ SIĘ DZISIAJ! Zapisz się do naszego newslettera • Nie przegap! E-mail Dołączyć Dziękuję za zasubskrybowanie! Pobierz najnowsze wiadomości do swojej skrzynki odbiorczej ZAPISZ SIĘ DZISIAJ!

TWOJA OKREŚLONA SKŁADKA EMERYTALNA KORZYŚCI Rada Powiernicza Lokalu 725 MCASF Przejście na emeryturę o zdefiniowanej składce Fundusz ma przyjemność powitać Państwa w programie Zdefiniowana składka stronie internetowej. W ramach tej witryny będziesz mieć teraz dostęp przez 24 godziny na dobę, 7 dni w tygodniu do najczęściej wymaganych formularzy, przydatnych wyróżnionych linków i często zadawanych pytań dotyczących informacji o świadczeniach. 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 Oświadczenia DC Twoje wyciągi z konta uczestnika w 2021 r. dla funduszu emerytalnego o zdefiniowanej składce są w produkcji do wysyłki. ​ Nie musisz czekać na pocztę, już teraz możesz otrzymać saldo 2021! Zaloguj się do swojego portalu, aby wyświetlić.... Okres wyborów od 1 października do 30 listopada 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

Dokumenty emerytalne Formularze emerytalne Poniżej wymienione są wszystkie formularze planu. Możesz je pobrać i wypełnić. Standard Forms Federalny formularz potrącenia podatku dochodowego (W-4P) — do wypełnienia Formularz wpłaty bezpośredniej Formularz wpłaty bezpośredniej — do wypełnienia Formularz wyboru beneficjenta Formularz wyboru beneficjenta — do wypełnienia Formularz weryfikacji zmiany adresu Formularz weryfikacji zmiany adresu — do wypełnienia ​ Wniosek o świadczenia emerytalne Wniosek o świadczenia emerytalne — do wypełnienia (Będziesz musiał skontaktować się z Biurem Świadczeń w celu uzyskania opcje i wartości świadczeń) ​ ​ Wniosek o świadczenia żyjącego współmałżonka Żyjący współmałżonek Wniosek o świadczenia — do wypełnienia ​ Alternatywny wniosek odbiorcy płatności o świadczenia Alternatywny wniosek odbiorcy płatności o świadczenia — do wypełnienia 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. Dokument planu funduszu powierniczego lokalnego funduszu emerytalnego 725 ACRA Roczne zawiadomienie o finansowaniu 2020 rok planu Roczne zawiadomienie o finansowaniu 2019 rok planowy Roczne zawiadomienie o finansowaniu 2018 Plan Roku Roczne zawiadomienie o finansowaniu 2017 Plan planowy Rok Przesyłki emerytalne — zawiadomienia Poniższe dokumenty dotyczą korespondencji lub zawiadomień przekazanych wszystkim uczestnikom planu. W przypadku korespondencji lub zawiadomienia, którego nie ma na liście, prosimy o kontakt z Biurem Świadczeń. Roczne zawiadomienie o finansowaniu 2021 rok planowy ​ Roczne zawiadomienie o finansowaniu 2020 rok planu Roczne zawiadomienie o finansowaniu 2019 rok planowy Roczne zawiadomienie o finansowaniu 2018 Plan Roku Roczne zawiadomienie o finansowaniu 2017 Plan planowy Rok IRS - Required Changes to Form W-4P in 2023

Zdefiniowany wkład Dokumenty Zdefiniowany wkład Formularze Poniżej wymienione są wszystkie formularze planu. Możesz je pobrać i wypełnić. Standard Forms Wniosek o świadczenia emerytalne Formularz wyboru beneficjenta Formularz wyboru beneficjenta — do wypełnienia Formularz weryfikacji zmiany adresu Formularz weryfikacji zmiany adresu — do wypełnienia Wniosek o świadczenia alternatywne dla odbiorcy płatności Wniosek o świadczenia pozostałego przy życiu małżonka lub beneficjenta ​ Formularz wyborczy w sprawie odroczenia wyborów w 2021 r. 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 Poniższe dokumenty dotyczą wszystkich części planu. Jeśli potrzebujesz dokumentu, którego nie ma na liście, skontaktuj się z Biurem Zasiłków. Dokument Planu Zdefiniowanych Składek, obowiązujący od 1.01.2015 r. Poprawka nr 1 do dokumentu planu 1.01.2015 Poprawka nr 2 do dokumentu planu 1.01.2015 Poprawka nr 3 do dokumentu planu 1.01.2015 Podsumowanie raportu rocznego za rok planowy 2019 Podsumowanie raportu rocznego za rok planowy 2018 Mailingi o określonym wkładzie Podsumowanie raportu rocznego za rok planowy 2020 ​​ Podsumowanie raportu rocznego za rok planowy 2019 Podsumowanie raportu rocznego za rok planowy 2018 Formularz elektywnego odroczenia na rok kalendarzowy 2023 Formularz elektywnego odroczenia na rok kalendarzowy 2022 Formularz elektywnego odroczenia na rok kalendarzowy 2021 Formularz elektywnego odroczenia na rok zaktualizowany w 2020 r. Formularz elektywnego odroczenia na rok kalendarzowy 2020 Formularz dobrowolnego odroczenia na rok kalendarzowy 2019

Opieka zdrowotna Dokumenty Formularze opieki zdrowotnej Poniżej wymienione są wszystkie formularze planu. Możesz je pobrać i wypełnić. Enrollment Forms Standard Forms Lista kontrolna dokumentów rejestracyjnych Formularz zgłoszeniowy i kluczowe informacje Formularz rejestracyjny i kluczowe informacje (do wypełnienia) ​​ Formularz wydania HIPAA Formularz wydania HIPAA (do wypełnienia) ​​ Formularz weryfikacji zmiany adresu Formularz weryfikacji zmiany adresu (do wypełnienia) ​​ Strata czasu – pełne podanie o świadczenia z tytułu niepełnosprawności Strata czasu — pełna (możliwa do wypełnienia) aplikacja o zasiłek dla osób niepełnosprawnych Strata czasu - oświadczenie lekarza ​​ Uzupełniający formularz wyborczy samopłatny Uzupełniający formularz wyborczy w ramach samoopłaty (do wypełnienia) ​​ Formularz wyboru zasiłku emerytalnego Formularz wyboru zasiłku dla emeryta (do wypełnienia) ​​ Formularz beneficjenta Formularz beneficjenta (do wypełnienia) 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 Poniższe dokumenty dotyczą wszystkich części planu. Jeśli potrzebujesz dokumentu, którego nie ma na liście, skontaktuj się z Biurem Zasiłków. Podsumowanie korzyści i zasięgu na rok 2021 ​​ Strata czasu – rezerwy na świadczenia z tytułu niezdolności do pracy ​​ Zasady dotowania emerytów ​​ Dodatkowe zasady samopłatności ​​ Zawiadomienie HIPAA o praktykach dotyczących prywatności Ujawnienie ustawy o noworodkach Zdrowie kobiet i prawa do raka Program Ubezpieczenia Zdrowotnego Dzieci ​ Składki COBRA na rok 2021 Dodatkowe składki samoopłacane na rok 2021 ​ ​ Wstępne podsumowanie korzyści i dokumentów ubezpieczenia Podsumowanie korzyści i pokrycia na rok 2020 Podsumowanie korzyści i pokrycia na rok 2019 Health Care Mailings Podsumowanie raportu rocznego za 12-31-19 Podsumowanie raportu rocznego za 12-31-18 Powiadomienie szpitala Memorial ​​ Roczne oświadczenie rodzinne BlueOptions Poniżej wymieniono usługi i produkty oferowane przez naszego dostawcę sieci medycznej, firmę Florida Blue. Opcje samoobsługowe Florida Blue Centra medyczne Sanitas mySanitas Czat Centra uczestników Florida Blue Aplikacja mobilna Florida Blue Gdzie powinienem się udać po opiekę? Wytyczne dotyczące profilaktyki Wiedz, zanim wyjedziesz Lepiej kroczysz List do posłów ze Szpitala Pamięci 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

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:

FAQs This page contains Frequently Asked Questions regarding the Health Fund. Should you have a question or concern regarding your health coverage, contact the Benefit Office at 754-777-7735 or info@725benefits.org Health Fund Frequently Asked Questions Q. Who are my eligible dependents? A. Your lawful spouse; Your biological children up to age 26; Your legally adopted children up to age 26; Your step-children up to age 26; and Child for whom you have been appointed legal guardian by court for length of guardianship or to age 26, which occurs first Q. When do I become eligible for benefits? A. You will become initially eligible for benefits on the 1st day of the month after you have accumulated contributions paid by your employer of 400 or more employment hours during a 5 consecutive month period. ​ Q. How do I maintain my continued health care coverage? A. Once you have passed initial eligibility, to maintain your coverage, you must work at least 100 hours per month. If you do not work 100 hours per month but have sufficient hours in your hour bank to make up the difference, your coverage will be continued. ​ Q. I worked over the amount of hours needed for coverage, what happens to those additional hours? A. For any hours you work over 100 in a month, those exceeded hours are placed into your "hour bank", the maximum amount of exceeded hours allowed to be placed in the hour bank is 1,000 hours (10 months of coverage). You may utilize hours in your hour bank to assist you in maintaining coverage (i.e. You only worked 60 hours in a month, so you will be short by 40 hours for coverage but your hour bank has a balance of 200 hours. The Fund will withdrawal 40 hours from your bank and add those hours to the 60 hours you work to ensure you have continued coverage. After the withdrawal, your hour bank balance will be 160 hours). Q. How do I add my new baby or spouse to my insurance plan? A. You must submit a completed, signed Enrollment & Vital Information Form along with other required legal documentation to the Benefit office. You can download the Enrollment & Vital Information Form located under Health Care Document section on this website and mail it into the Benefit Fund Office. You must enroll your new dependent within 30 days of birth, adoption, marriage or other important life changes. Documents Required Are : (you must provide these documents or your dependent will not be covered) Spouse: copy of your marriage certificate, copy of spouse's photo ID, copy of spouse's Social Security Card Child : copy of your child’s birth certificate, copy of child's Social Security Card, copy of child's photo ID (if applicable) Step-child : copy of legal decree for coverage, copy of recent tax return, child’s birth certificate, copy of child's Social Security Card, copy of child's photo ID (if applicable) Adopted child: copy of legal decree of adoption, copy of child's Social Security Card, copy of child's photo ID (if applicable) Child for whom you have been appointed their legal guardian: original copy of legal guardianship documents, copy of child's Social Security Card, copy of child's photo ID (if applicable) If Temporary guardianship, status updates will be required every 6 months Failure to remit the required enrollment & vital information form and documents will delay your dependent from getting on coverage. Q. How do I add my spouse to my healthcare benefit? A. Please contact the Benefit Office at (754) 777-7735 for more information. You may also download an Enrollment & Vital Information form located under Health Care Documents section on this website. Once downloaded, complete the enrollment & vital information form in its entirety and submit a copy of your marriage certificate, a copy of spouse's photo ID and copy of spouse's Social Security Card. Failure to remit the required enrollment & vital information form and documents will delay your spouse from getting on coverage. Q. How do I add my newborn child to my healthcare benefit? A. Please contact the Benefit Office at (754) 777-7735 for more information. You may also download an Enrollment & Vital Information form located under Health Care Documents section on this website. Once downloaded, complete the enrollment & vital information form in its entirety and submit a copy of your newborn child’s birth certificate and copy of child's Social Security Card when available. You must enroll your newborn child within 30 days of birth. Failure to remit the required enrollment & vital information form and documents will delay your newborn child from getting on coverage. Q. Whom should I contact if I'm getting a divorced and what documents do I need to submit? A. Please call the Benefit Office and advise the Healthcare and Retirement Services Departments that you are getting a divorce or have already gotten divorced. You will also need to submit a FULL copy of your Judgment of Divorce, Marital Assets/Property Agreements and orders or decrees to the Benefit Office. You should request a new beneficiary form. ​ Q. I am a first year Apprentice, do I get health coverage? A. No health coverage is not available for first year apprentices. When you advance to a second year apprentice, you will be come eligible for health coverage after 1 hour of work as an Apprentice 2nd year is remitted on your behalf. Eligibility begins on the first day of the month following receipt of that 1 hour of work. ​ Q. Whom should I call if I have questions about my eligibility? A. Please contact the Benefit Office at (754) 777-7735 Q. What if I don’t have enough contributions or hour bank credits to gain eligibility for the month? A. If you fail to have the required employer contributions or hour bank credits to continue healthcare coverage, you may continue coverage by electing COBRA. Each month, the Benefit Office will determine if you have enough hours or hour bank credits to continue eligibility. If you do not, you will receive a COBRA package in the mail explaining your rights under COBRA. It is important to read this package thoroughly so that you are aware of your rights and understand the steps for continuing coverage under COBRA. Q. Will my child(ren) who is/are age 19 through age 26 be covered under the Plan? A. Yes. Due to the Healthcare Reform Act, dependent children are now eligible to remain on the coverage until the age of 26, regardless of student status. Please contact the Benefit Office at (754) 777-7735 for more information. Q. How do I make a payment to continue my Health Care coverage? A. You may remit monthly COBRA self-payments via personal check, money order or cashier’s check to MCASF Local 725 Health & Welfare Fund at 15800 Pines Blvd., Suite 201, Pembroke Pines, FL 33027. You may also pay through your PayPal account, the PayPal button is located on the Health page. Q. How do I inquire about the status of my medical claim? A. Your medical claims are paid by Florida Blue. Should you have any questions on your medical benefits, claims status, please contact BCBSFL at (800) 664-5295. ​ Q. How do I request a new medical ID card? A. To request a new medical ID card, please contact Benefit Office at (754) 777-7735. ​ Q. Is there a deductible for the insurance? A. Yes, In-Network; $500 per person/ $1,500 family. Out-of-Network; not applicable. Generally, you must pay all of the costs from providers up to the deductible amount before this plan begins to pay. If you have other family members on the plan, each family member must their own individual deductible until the total amount of deductible expenses paid by all family members meet the overall family deductible. The medical plan's benefit year is January 1st through December 31st. ​ Q. Is there a deductible or co-payment on office visits? A. Yes, there is a $45.00 co-payment for a doctor's office visit. ​ Q. Is there a charge for an Emergency Room visit? A. Yes, there is a $300.00 deductible per visit. Urgent care cost is more lower, please check out this helpful flyer Know before you go - Urgent Care vs. Emergency Room t o help you determine which facility you should received care. ​ Q. Is there a maximum I will pay for medical claims? A. Yes, once you have met your calendar year deductible, you will pay 20% of the cost for your medical service and the Fund pays 80% of that cost. Once you have paid $3,600 per person / $7,200 family out-of-pocket for your calendar medical claims then the Fund pays 100% of your medical claims for the rest of that calendar year. ​ Q. I'm an Actively working member and I have illness that is preventing me from working, does the Fund offer any benefits? A. Yes, if you become disabled due to illness or non-occupational bodily injury, you may qualify for short term disability if you meet the requirements. You may be entitled to a benefit based on your job classification if your injury or illness occurred off the job. Benefit for General Foreman, Foreman, R5, R1 & MESJ is $500.00 per week. R2 & Apprentice 5th Year is $360.00 per week. And for R3, R4, MES2, MES3, Apprentice 2nd Year , 3rd year & 4th Year and MAT it is $250.00 per week. A maximum benefit of 26 weeks. Please contact the Benefit Office at (754) 777-7735 for further information. ​ Q. I need a prescription, is there a co-payment? Where can I get my prescription filled? A. Yes, the Fund has 3 levels of prescription co-payments, in addition, there is mail order available which will save you money if your prescription is for a longer period. ​ > Generic Drugs: $15 co-pay for retail and $30 co-pay for mail order > Preferred Brand Drugs: $35 co-pay for retail and $70 co-pay for mail order > Non-Preferred Brand Drugs: $65 co-pay for retail and $130 co-pay for mail order If you utilize an Out-of-Network Pharmacy, you will have a 50% co-insurance cost on your prescription. > Specialty Drugs: Subject to the cost share based on applicable drug tier. Not covered through mail order. Sav-Rx is our pharmacy benefit manager effective May 1, 2024, if you click on their website link on the Health Care page of this website, you will be able to find a Pharmacy near you or call (800) 228-3108. ​ Q. Is there a maximum I will pay for my prescriptions? A. Yes, once you have paid $900 per person / $1,800 family out-of-pocket for your calendar prescriptions cost then the Fund pays 100% of your prescription cost for the rest of that calendar year. ​ Q. How do I request a new prescription ID card? A. To request a new prescription ID card, please contact Benefit Office at (754) 777-7735. ​ Q. Is there any other benefits than the medical provided by the Fund, like dental? A. Yes, the Fund offers Dental Coverage through Florida Combine Life, a Florida Blue company. Check the Health Documents page for information on Florida Blue Dental. To find an in-network dentist quickly and easily, visit www.floridabluedental.com/find-a-dentist ​ Q. Is there a maximum benefit for the dental plan? A. Yes, the Plan Year maximum is $2,500 with coinsurance payable by Florida Blue Dental for covered services at 70%. You pay the remaining 30% of covered services. Orthodontia service for all insured with a lifetime maximum of $1,000. Dental plan year is January 1st through December 31st. ​ Q. How do I request a new dental ID card? A. To request a new dental ID card, please contact Benefit Office at (754) 777-7735. ​ Q. Is there any life insurance provided by the Fund? A. Yes, the Fund offers a self-funded Life Benefit and Accidental Death & Dismemberment benefit program for actively working members. There is no benefit available for your spouse or dependents nor if you are a retiree. ​ Q. I'm struggling with an issue, is there any counseling available? A. Yes, effective October 1, 2023, the Fund offers a Member Assistance Program through Ulliance. The Life Advisor Member Assistance Program provides assistance to members and their dependents cope with the many personal and work challenges that we all struggle with from time to time. You can read more on the program here . You can call 24/7 at 800-448-8326 to speak with a counselor who can assist you or log in at lifeadvisor.com ​ Q. I am going to be retiring soon, is there any benefits provided to retirees? A. Yes, the Fund offers a reimbursement for your medical coverage if you worked in the GF, F, R1, R2, R5 , MESJ and MES2 job classifications and for the 60 consecutive month period preceding your retirement worked or had coverage, you may be eligible to receive a Retiree Subsidy payment. For more information on the Retiree Subsidy Benefit, click here . ​ Q. I am going to be turning 65 and am actively working, do I have to sign up for Medicare Part B? A. No, if you are of Medicare age but are actively working and covered under our Fund, you do not have to sign up for Medicare Part B &/or Part D but you must sign up for Medicare Part A. This is also applicable to your spouse, if your spouse is of Medicare age and covered under your health coverage from this Fund, your spouse does not have to sign-up for Medicare Part B &/or Part D. Your spouse does have to sign up for Medicare Part A though.

Pracodawca Dokumenty 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 ​ Mailingi o określonym wkładzie Listed below are mailings that have been sent to all contributing employers. 104(d) Notice for PYE 12/31/22

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.

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. Portal Pracodawcy ŁATWE... BEZPIECZNE... SZYBKIE Portal przekazów pieniężnych dla pracodawców jest już dostępny! Składki tygodniowe lub miesięczne możesz przekazywać elektronicznie, a płatność możesz przesłać za pośrednictwem portalu. Wejdź do portalu> Instrukcja obsługi portalu > Wideo na temat korzystania z portalu Audyty płacowe (sklepowe) Fundusz powrócił do aktywnego przeglądu ewidencji płac w celu zapewnienia zgodności z CBA i Polityką Windykacyjną w celu sprawnego i skutecznego ściągania wymaganych składek. Zapoznaj się z często zadawanymi pytaniami, aby uzyskać dodatkowe informacje. Polityka windykacyjna Często zadawane pytania Member Assistance Progam Not Just for Your Local 725 Employee Members Po więcej informacji Jesteśmy tutaj aby pomóc! W przypadku dodatkowych pytań, możesz skontaktować się z Benefit Office pod numerem (754) 777-7735 lub kliknąć sekcję Często zadawane pytania. W przypadku formularzy, dokumentów, zasad i podręczników możesz kliknąć sekcję Dokumenty. Często zadawane pytania Dokumenty Helpful Industry Links MCASF Stowarzyszenie Wykonawców Mechanicznych Południowej Florydy Sprawdź je> Lokalny 725 Zjednoczone Stowarzyszenie Lokalny 725 Instalatorzy instalacji klimatyzacyjnych i chłodniczych Sprawdź je > ARPEC ACRA Local 725 Joint Apprenticeship & Training Committee's Klimatyzacja, chłodnictwo i orurowanie Centrum Edukacji Sprawdź je> Zjednoczone Stowarzyszenie United Association Hydraulicy, monterzy rur, tryskacze, monterzy pary, technicy serwisowi Sprawdź je> MCAA Amerykańskie Stowarzyszenie Wykonawców Mechanicznych Sprawdź je> MSCA Wykonawcy usług mechanicznych w Ameryce Sprawdź je>

KONTAKT nas Tel. 754-777-7735 Faks. 754-999-2205 info@725benefits.org ​ ODWIEDZAĆ nas poniedziałek - piątek 8:00 - 17:00 ​ 15800 Pines Blvd., Apartament 201 Sosny Pembroke, FL 33027 POWIEDZIEĆ nas Sukces! Wiadomość otrzymana. Wysłać

TWOJE ŚWIADCZENIA EMERYTALNE Rada Powiernicza funduszu powierniczego MCASFLocal 725 Pension Trust Fund ma przyjemność powitać Państwa na stronie internetowej dotyczącej emerytur. W ramach tej witryny będziesz mieć teraz dostęp przez 24 godziny na dobę, 7 dni w tygodniu do najczęściej wymaganych formularzy, przydatnych wyróżnionych linków i często zadawanych pytań dotyczących informacji o świadczeniach. 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 Otrzymałeś nowe konto bankowe? Jeśli otrzymujesz miesięczne świadczenie emerytalne i niedawno zmieniłeś konto bankowe, musisz zaktualizować informacje o swoich bezpośrednich wpłatach w Biurze Funduszu, aby upewnić się, że kolejny czek emerytalny zostanie prawidłowo wpłacony. Możesz zaktualizować swoje dane bezpośrednio w swoim portalu uczestnika lub możesz pobrać formularz i wysłać go do Biura Funduszu. ŚCIĄGNIJ PO WIĘCEJ INFORMACJI W sprawie świadczeń emerytalnych, uprawnień i narosłej wartości prosimy o kontakt z Biurem Świadczeń pod numerem (754) 777 - 7735 NA WYCIĄGNIĘCIE RĘKI.... Znajdziesz tu najczęściej zadawane pytania dotyczące Funduszu Emerytalnego oraz popularne dokumenty, takie jak wniosek, formularz wpłaty bezpośredniej i nie tylko. Kliknij poniższe linki! Często zadawane pytania Dokumenty 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 Portal uczestnika TWOJE OSOBISTE DANE EMERYTALNE Teraz możesz bezpiecznie i łatwo przeglądać informacje o swoich osobistych świadczeniach emerytalnych przez 24 godziny na dobę, 7 dni w tygodniu. Bezpośrednio z komputera a nawet telefon. ​ Oprócz informacji na temat emerytury można również wyświetlić swoje świadczenia zdrowotne i świadczenia o zdefiniowanej składce, a także godziny pracy i informacje na utrzymaniu. Kliknij Dla portalu >