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VOS PRESTATIONS DE RETRAITE À CONTRIBUTION DÉFINIE Le conseil d'administration de la Caisse de retraite à cotisations déterminées de la section locale 725 du MCASF est heureux de vous accueillir sur le site Web à cotisations déterminées. Sur ce site Web, vous aurez désormais accès 24 heures sur 24, 7 jours sur 7 aux formulaires les plus fréquemment demandés, aux liens utiles mis en évidence et aux questions fréquemment posées concernant les informations relatives à vos prestations. 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. Relevés CD Vos relevés de compte de participant 2021 pour le fonds de retraite à cotisations déterminées sont en production pour l'envoi. ​ Vous n'avez pas à attendre le courrier, vous pouvez obtenir votre solde 2021 dès maintenant ! Connectez-vous à votre portail pour voir.... Once you complete your election form, you can mail your form to Benefit Services at 15800 Pines Blvd. Suite 201, Pembroke Pines, FL 33027 or you can upload your form securely on your Participant Portal. You can login by click on the icon at the top of this page. Be a Nutley, not a Chester Période électorale Du 1er octobre au 30 novembre DOWNLOAD FORM Save for your retirement! DC Fund Preliminary Investment Results 6.2% YTD a s o f August 31, 2024 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

Documents de contribution définis Defined Contribution Forms 1 Applications Application for Retirement Benefits ​​ Application for Alternate Payee Benefits ​​ Application for Surviving Spouse or Beneficiary Benefits 2 Standard Forms Beneficiary Election Form Beneficiary Election Form - Spanish ​ Address Change Verification Form A ddress Change Verification Form - Spanish 3 Elective Form 2025 Elective Deferral Form ​ Defined Contribution Plan Documents Les documents suivants concernent toutes les parties du plan. Si vous avez besoin d'un document qui ne figure pas dans la liste, veuillez contacter le bureau des prestations. Document de plan de cotisation défini, en vigueur le 1/1/2015 Modification n ° 1 au document de plan 1/1/15 Modification n ° 2 au document de plan 1/1/15 Modification n ° 3 au document de plan 1/1/15 Rapport annuel sommaire pour l'année du régime 2018 Defined Contribution Mailings The following documents pertain to mailings or notices provided to all participants in the plan. If there is a mailing or notice you need that is not listed, please contact the Benefit Office. Rapport annuel sommaire pour l'année du plan 2020 ​​ Rapport annuel sommaire pour l'année du régime 2019 Rapport annuel sommaire pour l'année du régime 2018 Formulaire de report facultatif pour l'année civile 2023 Formulaire de report facultatif pour l'année civile 2022 Formulaire de report facultatif pour l'année civile 2021 Formulaire de report facultatif pour l'année révisée 2020 Formulaire de report facultatif pour l'année civile 2020 Formulaire de report facultatif pour l'année civile 2019

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 can I make my retirement account larger? A. You can increase your retirement nest egg by electing to have employee deferred contributions withheld from your weekly gross pay and placed in your elective account with the Defined Contribution Retirement Plan. Each October 1st through November 30th you are able to elect an amount per hour that you'd like withheld from your gross pay. This amount will be for that next full calendar year. The maximum amount of elective contributions for 2025 is $24,000. If you will be at least 50 years old by December 31, 2025, you may elect to have an additional "Catch-Up" elective contribution of up to a maximum of $8,000. Before deciding on electing an employee elective contribution, which will be deducted from your gross pay, you should consult a personal financial and tax advisors for guidance. The elective form will be available on the Defined Contribution Retirement Plan's documents tab on this website during October 1st through November 30th. ​ 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. ​ 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. 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:

Bienvenue aux fonds de prestations de la section locale 725 du MCASF Sur ce site Web, vous aurez désormais accès 24 heures sur 24, 7 jours sur 7 aux formulaires les plus demandés, aux liens utiles mis en évidence, aux questions fréquemment posées concernant les avantages et à un accès sécurisé à vos informations personnelles sur les avantages. ​ Des informations précieuses, à un clic! Health Fund's Annual Family Statement To ensure that the MCASF Local 725 Health & Welfare Fund has up-to-date information on you & your family members, the Board of Trustees requires that all eligible participants complete and return the Annual Family Statement. Read More Family Statements Due by November 1st Annual Pension Verification Statement If you are receiving a monthly pension benefit from the MCASF Local 725 Pension Fund, you must complete an Annual Pension Verification Statement. Read More Statements are due by November 1, 2024 Add to your retirement nest egg today! You can increase your retirement nest egg through an employee deferred contribution with the MCASF Local 725 Defined Contribution Retirement Fund. ​ The 2025 Election period is from October 1st - November 30th. Read More For your well-being 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 6.2% YTD as o f August 31 , 2024 Monthly Newsletter Emotional Agility: A Superpower We Can All Cultivate: Experiencing a wide range of human emotions is what makes each of us unique. All emotions play a vital role in our overall well-being. It's important to understand that emotions should never be labeled as either good or bad. In reality, all emotions are healthy and serve a purpose, even if they're not always comfortable. Read More Harnessing Emotional Agility: Emotional agility is the practice of using feelings as information to help us make decisions based on core values and goals. When we use feelings as data or information, we are not getting swept up in their intensity. Read More Life Advisor Well-Being Webinar Library: On demand webinars focusing on work/life balance issues and remedies. Read More Blog bleu de Floride Lire la suite Centres bleus de Floride Lire la suite Centres bleus de Floride Lire la suite Blog bleu de Floride Miami the Falls Hialeah Fort Lauderdale / Sunrise Boynton Beach / Palm Beach Port St. Lucie 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 Stay Informed About Your Benefits..... With text messages from us! Sign Up today so you don't miss out on important information. S'inscrire! Recevez les dernières nouvelles dans votre boîte de réception INSCRIVEZ-VOUS AUJOURD'HUI! Abonnez-vous à notre newsletter • Ne manquez rien ! E-mail Rejoindre Merci pour votre subscription! Recevez les dernières nouvelles dans votre boîte de réception INSCRIVEZ-VOUS AUJOURD'HUI!

VOS PRESTATIONS DE PENSION Le conseil d'administration de la Caisse fiduciaire de pension MCASFLocal 725 est heureux de vous accueillir sur le site Web de la pension. Sur ce site Web, vous aurez désormais accès 24 heures sur 24, 7 jours sur 7 aux formulaires les plus fréquemment demandés, aux liens utiles mis en évidence et aux questions fréquemment posées concernant les informations relatives à vos prestations. 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 Pension Verification Statement The Pension Plan requires periodic certification of each participant's retirement status for the previous 12 months. (This is only if you are receiving a monthly benefit). ​ It's important that you send in your statement as soon as possible to prevent any suspension of future benefit payments. ​ The Pension Verification Statement is not only required by Plan Rules but it also assist the Benefit Office to ensure they have your correct address so that you receive all important information regarding the Pension Plan as well as your Form 1099-R which you need to provide with your annual 1040 tax form. Pension Statement for Retirees Pension Statement for Beneficiaries Avez-vous un nouveau compte bancaire ? Si vous recevez une prestation de retraite mensuelle et que vous avez récemment changé de compte bancaire, vous devez mettre à jour vos informations de dépôt direct auprès du bureau de la caisse pour vous assurer que votre prochain chèque de pension sera déposé correctement. Vous pouvez mettre à jour vos informations directement dans votre portail des participants ou vous pouvez télécharger le formulaire et l'envoyer par courrier au bureau de la Caisse. TÉLÉCHARGER Federal Tax W-4P Form IRS - Required Changes to Form W-4P in 2023 Learn More 2024 Form W-4P Get Your Form Here POUR PLUS D'INFORMATIONS En ce qui concerne vos prestations de retraite, votre admissibilité et la valeur accumulée, veuillez contacter le Bureau des prestations au (754) 777-7735 SUR LE BOUT DE VOS DOIGTS.... Vous pouvez trouver des questions fréquemment posées concernant la caisse de retraite et des documents populaires tels qu'une demande, un formulaire de dépôt direct et plus encore. Cliquez sur les liens ci-dessous! FAQ Des documents 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 Portail des participants VOS RENSEIGNEMENTS PERSONNELS SUR LA PENSION Vous pouvez désormais consulter vos informations personnelles sur les prestations de retraite, en toute sécurité et facilement, 24 heures sur 24, 7 jours sur 7. Directement depuis votre ordinateur ou même votre téléphone. En plus des informations sur la pension, vous pouvez également consulter vos prestations de santé et à cotisations définies, ainsi que les heures de travail et les informations sur les personnes à charge. Cliquez pour le portail>

Vos prestations de soins de santé Le conseil d'administration du MCASF Local 725 Health & Welfare Trust Fund est heureux de vous accueillir sur le site Web des soins de santé. Dans ce site Web, vous aurez désormais accès 24 heures sur 24, 7 jours sur 7 aux formulaires les plus fréquemment demandés, aux liens utiles mis en évidence et aux questions fréquemment posées concernant les informations relatives à vos prestations. 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. ​ It's That Time Again..... Annual Family Statement Each year, the Health Fund sends out it's Annual Family Statement, which ensures that the Fund has up-to-date information on you and your eligible dependents. ​ Why is this information required? The MCASF Local 725 Health & Welfare Fund is self-funded, which simply means we pay for each approved claims submitted by participants. Trustees of the plan have a fiduciary duty to ensure that plan assets are used appropriately, meaning solely for the benefit of eligible participants - Local 725 members and their eligible dependent family members. The Annual Family Statement allows the plan to ensure plan dollars are being used appropriately, to minimize waste & fraud. This helps plan dollar go further to provide benefits for Local 725 members. It also allows the plan to communicate important information to you regarding your benefits. ​ If the form is not submitted, your health coverage will be suspended and there will be a delay in the payment of any benefit claims. DUE BY NOVEMBER 1, 2024 2024 Family Statement 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 Bénéfices médicaux Votre réseau de prestations médicales est fourni par Florida Blue, pour localiser un médecin de soins primaires participant au réseau Blue Choice, veuillez appeler le 1-800-664-5295 ou visiter leur site Web à www.floridablue.com Bleu Floride For your well-being Learn More Monthly Newsletter Emotional Agility: A Superpower We Can All Cultivate: Experiencing a wide range of human emotions is what makes each of us unique. All emotions play a vital role in our overall well-being. It's important to understand that emotions should never be labeled as either good or bad. In reality, all emotions are healthy and serve a purpose, even if they're not always comfortable. Read More Harnessing Emotional Agility: Emotional agility is the practice of using feelings as information to help us make decisions based on core values and goals. When we use feelings as data or information, we are not getting swept up in their intensity. Read More Life Advisor Well-Being Webinar Library: On demand webinars focusing on work/life balance issues and remedies. Read More 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 Loss of Time Benefit Did you know that if you become totally disabled due to non-occupational bodily injury or sickness while eligible for benefits, the Health Fund will pay you a Loss of Time (Short-Term Disability) benefit. ​ Benefits will begin as of the first day of disability due to an accident or as of the 8th day of disability due to sickness and will continue for any one period of disability for a maximum of twenty-six (26) weeks. You do not have to be confined to your home to collect benefits, but must be under the care of a physician. ​ For a Loss of Time benefit , you will receive a benefit based on your job classification. ​ General Foreman, Foreman. R5, R1 & MESJ ~ $ 500.00 per week R2 & Apprentice 5th Year ~ $ 360.00 per week R3, R4, MES2, MES3, Apprentice 2nd year, 3rd year, 4th Year and MAT ~ $250.00 per week ​ Learn more about the Loss of Time Benefit here ​ Application is available on the Document tab or by click on the button to the right Learn More Application 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! Bleu de Floride Blog bleu de Floride Lire la suite Centres bleus de Floride Lire la suite Centres bleus de Floride Lire la suite Blog bleu de Floride Miami the Falls Hialeah Fort Lauderdale / Sunrise Boynton Beach / Palm Beach Port St. Lucie CLICK HERE TO GET STARTED Accesible via Mobile Devices ​ ​ You can also use our Text-to-Mobile feature by creating a new text message* on your smartphone. Type 258311 in the "TO" or "Recipients" field, then type BLUE 1024 in the "Message" field and press send. (make sure you leave a space between the word BLUE and the number) You will then receive a text message reply with a link you can click on to open your digital education kit. *Standard text messaging rates apply based on your plan and your carrier. For an optimal viewing experience use Internet Explorer 10 or newer, Chrome, Firefox, Safari or Edge. Florida Blue is an Independent Licensee of the Blue Cross and Blue Shield Association Copyright 2021 Florida Blue; All rights reserved Map Your Personal Path to Health Start Today L'importance de consulter son dentiste Apprendre encore plus Protégez-vous pendant la saison de la grippe En savoir plus sur la prévention de la grippe Más información sobre cómo evitar la gripe Puis-je attraper la grippe à cause du vaccin antigrippal? Je suis jeune, en bonne santé et je n'ai jamais eu la grippe. Ai-je vraiment besoin d'un vaccin contre la grippe? Comment savoir si j'ai un rhume ou la grippe ? 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 Pour plus d'informations Nous sommes ici pour aider! Si vous avez des questions concernant vos prestations de santé ou votre admissibilité, appelez-nous au (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? PAIEMENTS COBRA A RE VOUS ACTUELLEMENT SUR COBRA COUVERTURE CONTINUE? Vous pouvez désormais effectuer votre paiement mensuel de prime en ligne avec votre compte PayPal Fonds de santé local 725 du MCASF ACCEPTE MAINTENANT COBRA & AUTO-PAIEMENTS VIA PayPal Remettez votre prime mensuelle en cliquant sur le bouton ci-dessous. Transparence dans la couverture Conformité de votre caisse d'assurance-maladie avec le CCA et la loi sans surprises et la transparence de la couverture. ​ Les règles finales sur la transparence de la couverture exigent que les régimes de santé collectifs sans droits acquis tels que le nôtre divulguent sur un site Web public des informations concernant : Tarifs négociés dans le réseau pour les articles et services couverts Montant autorisé hors réseau et frais facturés pour les articles et services couverts À compter du 1er juillet 2022, ces fichiers lisibles par machine (MRF) doivent être rendus "publiquement disponibles et accessibles à toute personne gratuitement et sans conditions, telles que l'établissement d'un compte d'utilisateur, d'un mot de passe ou d'autres informations d'identification ou PII pour accéder au fichier » et doit être mis à jour mensuellement. (Ces fichiers sont extrêmement volumineux et le téléchargement pour un individu sera affecté par votre matériel, votre navigateur et votre vitesse Internet)​ Vous pouvez accéder à ces fichiers et documents lisibles en cliquant ci-dessous : Transparency Website

Documents de pension Pension Forms 1 Standard Forms Federal Income Tax Withholding Form (W-4P) - Fillable ​​​ ​ ​ Direct Deposit Form ​​ Beneficiary Election Form Beneficiary Election Form - Spanish ​ Address Change Verification Form Address Change Verification Form - Spanish 2 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 application) ​ Surviving Spouse Application for Benefits ​​ Alternate Payee Application for Benefits (QDRO) 3 Annual Verification Forms Verification Forms for Retired Members ​ Retirement Verification Form for 2024 ​ ​​ Verification Forms for Surviving Spouses & Beneficiaries ​ Retirement Verification Form for 2024 ​ 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. Document sur le régime de la caisse de retraite en fiducie de la section locale 725 Avis annuel de financement Année du régime 2019 Avis annuel de financement Année du régime 2018 Avis annuel de financement Année du régime 2017 Pension Mailings - Notices The following documents pertain to mailings or notices provided to all participants in the plan. If there is a mailing or notice you need that is not listed, please contact the Benefit Office. Avis de financement annuel Année du plan 2021 ​ Avis de financement annuel Année du plan 2020 Avis de financement annuel Année du plan 2019 Avis de financement annuel Année du plan 2018 Avis de financement annuel Année du plan 2017 IRS - Required Changes to Form W-4P in 2023

Documents de soins de santé Health Care Forms 1 Enrollment Forms Enrollment Documents Check List Enrollment Documents Check List (Spanish) ​​ Enrollment & Vital Information Form Enrollment & Vital Information Form (Spanish) ​​ HIPAA Release Form HIPAA Release Form (Spanish) ​​ Loss of Time - Disability Benefit Full Application Loss of Time - Physician's Statement Loss of Time - Direct Deposit Form ​​ Supplemental Self-Pay Election Form ​​ Retiree Subsidy Benefit Election Form Retiree Subsidy - Direct Deposit Form 2 Standard Forms Address Change Verification Form Address Change Verification Form (Fillable) ​ Address Change Verification Form (Spanish) ​​ Beneficiary Form Beneficiary Form (Fillable) Beneficiary Form (Spanish) 3 Annual Family Statement 2024 Annual Family Statement 2024 Annual Family Statement (Fillable) Health Plan Documents Les documents suivants concernent toutes les parties du plan. Si vous avez besoin d'un document qui ne figure pas dans la liste, veuillez contacter le bureau des prestations. Description sommaire du plan avec sommaire des modifications importantes ​ Résumé des prestations et de la couverture pour 2021 ​​ Perte de temps - Dispositions relatives aux prestations d'invalidité ​​ Règlement sur les subventions aux retraités ​​ Règles d'auto-paiement supplémentaires ​​ Avis HIPAA sur les pratiques de confidentialité Divulgation de la Loi sur les nouveau-nés Santé des femmes et droits contre le cancer Programme d'assurance-maladie pour enfants ​ Primes COBRA pour 2021 Primes d'auto-paiement supplémentaires pour 2021 ​ ​ Résumé précédent des garanties et documents de couverture Sommaire des prestations et des couvertures pour 2020 Sommaire des prestations et des couvertures pour 2019 Health Care Mailings Rapport annuel sommaire pour le 31/12/19 Rapport annuel sommaire pour le 31/12/18 Avis de l'hôpital Memorial ​​ Déclaration familiale annuelle BlueOptions Vous trouverez ci-dessous les services et produits proposés par notre fournisseur de réseau médical, Florida Blue. Options libre-service Florida Blue Centres médicaux Sanitas Chat mySanitas Centres des participants Florida Blue Application mobile Florida Blue Où dois-je aller pour les soins? Lignes directrices sur les soins préventifs Savoir avant de partir Mieux vous avancez Lettre de l'hôpital Memorial aux membres 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

Documents de l'employeur 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. 7/16/24 Recently Expired Wage & Benefit Schedule - Eff. 7/16/23 Employer Electronic Remittance Guide ​ Employer Mailings The following documents pertain to mailings or notices provided to all contributing employers. If there is a mailing or notice you need that is not listed, please contact the Benefit Office. 104(d) Notice for PYE 12/31/22

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 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. ​ 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 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 main 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 Sav-Rx at (800) 228-3108 or you can call the 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. ​ Q. What if I don't complete the Annual Family Statement, what happens? A. If you do not fully complete the Annual Family Statement by the stated due date of November 1st, your health coverage will be suspended and your medical claims will be delayed until you submit the require Annual Family Statement. ​ Q. What if I don't receive the Annual Family Statement in the mail? A. If you do not receive the Annual Family Statement in the mail, you can get a copy of the statement right on this website, under the Health Fund's document tab along as well as on the Health Fund's main tab. To complete it quicker, you can log into your participant portal and complete the form there which is submitted directly to the Benefit Office. At the top of all pages, there is a link to the Participant Portal.

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. Portail des employeurs FACILE .... SÉCURISÉ ... RAPIDE Le portail de versement en ligne des employeurs est maintenant en ligne! Vous pouvez verser vos contributions hebdomadaires ou mensuelles par voie électronique et vous pouvez soumettre votre paiement via le portail. Entrez dans le portail> Manuel d'utilisation du portail> Vidéo sur l'utilisation du portail 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 Audits de la paie (boutique) Le Fonds a recommencé à examiner activement les registres de paie pour assurer la conformité avec l'ABC et la politique de recouvrement pour une collecte efficiente et efficace des contributions requises. Consultez la FAQ pour plus d'informations. Politique de collecte FAQ Member Assistance Progam Not Just for Your Local 725 Employee Members Pour plus d'informations Nous sommes ici pour aider! Pour des questions supplémentaires, vous pouvez contacter le Bureau des prestations au (754) 777-7735 ou vous pouvez cliquer sur la section Foire aux questions. Pour les formulaires, documents, politiques et manuels, vous pouvez cliquer sur la section Documents. FAQ Des documents Helpful Industry Links MCASF Association des entrepreneurs en mécanique du sud de la Floride Vérifiez-les> Local 725 Association unie Local 725 Tuyauteries de climatisation et de réfrigération Vérifiez-les> ARPEC Comité mixte d'apprentissage et de formation de la section locale 725 de l'ACRA Climatisation, réfrigération et tuyauterie Centre d'éducation Vérifiez-les> Association unie United Association Plombiers, tuyauteurs, installateurs de gicleurs, monteurs de vapeur, techniciens de service Vérifiez-les> MCAA Association des entrepreneurs mécaniques d'Amérique Vérifiez-les> MSCA Entrepreneurs de services mécaniques d'Amérique Vérifiez-les>

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 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 Identity Theft Monitoring 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 Emotional Agility: A Superpower We Can All Cultivate: Experiencing a wide range of human emotions is what makes each of us unique. All emotions play a vital role in our overall well-being. It's important to understand that emotions should never be labeled as either good or bad. In reality, all emotions are healthy and serve a purpose, even if they're not always comfortable. Read More Harnessing Emotional Agility: Emotional agility is the practice of using feelings as information to help us make decisions based on core values and goals. When we use feelings as data or information, we are not getting swept up in their intensity. Read More Life Advisor Well-Being Webinar Library: On demand webinars focusing on work/life balance issues and remedies. Read More 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