FAQs

Pension (34)

Who administers the Plan?

An independent Board of Trustees consisting of an equal number of representatives appointed by I.U.O.E., Local No. 12, and the Employer Associations in accordance with Federal law.

When did pension benefits begin?

February, 1962, was the first month in which benefits were paid.

What does “retirement” mean?

Prior to age 65, you will be considered “retired” if you withdraw completely and refrain from any work in employment of the type covered by a Collective Bargaining Agreement regardless of the location of such employment or whether such employment is actually covered by a Collective Bargaining Agreement.

After age 65, you will be considered “retired” if you withdraw and refrain from employment in excess of 39 hours in a calendar month in the same industry, in the same trade or craft, in the States of California and Nevada.

Generally speaking, your pension will not be paid during any month in which you work at the kind of job which is prohibited by the Plan. (See question 25 on for more information).

Must I retire when I reach a specific age?

No. You may continue working as long as you like. Retirement under this Pension Plan is voluntary. There is no mandatory retirement age.

HOWEVER, IF YOU ARE A 5% OWNER OF THE EMPLOYER OR YOU HAVE STOPPED WORKING IN COVERED EMPLOYMENT, YOUR PENSION PAYMENTS WILL AUTOMATICALLY BEGIN NO LATER THAN APRIL I OF THE CALENDAR YEAR FOLLOWING THE YEAR IN WHICH YOU TURN 70 1/2 YEARS OF AGE.

When should I file my application for benefits?

Applications for pensions must be filed prior to the first day of the month on which you expect your pension payments to begin.

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Health & Welfare (13)

Does the plan pay for medical claims incurred in a foreign country?

Yes. The Fund will cover you anywhere in the world for treatment which is recognized as usual and customary in the United States and is reasonably necessary for treatment. The Fund will not provide coverage for treatment which is not recognized in this country. If you are planning a trip to another country for medical treatment, you should check with the Fund Office to see if the treatment is covered.

If you have Medicare coverage, Medicare will not pay benefits for medical treatment outside the United States. In these cases, Plan benefits are limited to the amount the Fund would have paid as secondary carrier (approximately 20%) and the participant is responsible for the balance of the bill.

In some limited circumstances, Medicare may pay for certain services provided in Canadian or Mexican hospitals or on-board a cruise ship. Contact your Medicare carrier for additional information.

Are hearing aids covered by the plan?

Yes. Eligible participants and their eligible dependents have coverage for hearing aids. The Plan provides for payment at 100% with a $1,000 maximum per ear after satisfaction of the Calendar Year Deductible. Hearing aids cannot be replaced within three years of the original purchase date if this Fund provided benefits.

What happens if I recieve an overpayment on a claim?

If you believe that you have been overpaid, it is your responsibility to notify the Fund Office immediately. When an overpayment is discovered, the Trustees expect immediate repayment. A schedule of installment payments may be acceptable if immediate repayment is not possible. This will require coordination with the Fund Office. If repayment is not made, payment of future claims will be withheld until complete recovery is made.

What happens if I discover that a provider of service has overcharged?

If a provider of service has overcharged, you should notify the Fund Office immediately and the Fund Office will investigate the matter. If, in fact, an error has occurred you may also be entitled to receive 50% of any amounts recovered as a result of that error with a maximum payment of $1,000. If the Fund Office has already discovered and resolved the problem, you will not be entitled to 50% of the amount recovered. This policy does not apply to PPO-contracted hospitals.

Are common-law marrages or domestic partnerships recognized by the plan?

No. Common-law marriages and domestic partnerships are not recognized by the Plan. A common-law spouse or a domestic partner is not a legal spouse as defined by the Board of Trustees and benefits cannot be paid for such an individual even if common-law marriage or domestic partnership is recognized in the State in which the Plan participant resides.

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