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)

Are Claim Forms Necessary?

No. In order for your claims to be processed, a complete itemized bill must be submitted. If you or your dependents have other primary insurance coverage, the Fund requires you submit the other insurance explanation of benefits (EOB) along with the itemized bill.

An itemized bill contains all the details necessary to process a claim. It provides a breakdown of each specific service rendered, the individual price for each service, the diagnosis, the patient’s name as well as the participant’s Social Security Number or HCID# (OE#).

How many types of deductible are there?

For the medical plan, which includes hospital and prescriptions, there are two Calendar Year Deductibles as follows:

  • In-Network (PPO) – $350.00 per individual per calendar year, with a family maximum of $1,050.00 (Applicable with dates of services 01/01/2011 and after).
  • Out-of-Network (F-F-S) – $500.00 per individual per calendar year, with a family maximum of $1,500 (Applicable to dates of services 01/01/2011 and after).

The dental deductible is $25.00 per person with a family maximum of $75.00 during any particular calendar year. The Vision deductibles are $15 for the exam and $25 for materials (frames and/or lenses).

Is the deductible ever waived?

The medical deductibles are waived when an eligible individual files no medical claims for themselves during a calendar year in which he or she is eligible for all four quarters. The following year no medical deductibles apply. If a claim submitted during the previous year was denied for some reason or applied to a deductible, then the deductibles would not be waived the following year.

Does the plan cover on-the-job injuries?

No. The Plan does not pay for on-the-job injuries or illnesses. Even if your employer does not have Workers’ Compensation coverage, a claim for a job-related illness or injury will be denied.

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.

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