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Benvenuti al MCASF Fondi benefici locali 725 All'interno di questo sito Web, ora avrai accesso 24 ore al giorno, 7 giorni alla settimana ai moduli più richiesti, agli utili collegamenti evidenziati, alle domande frequenti sui vantaggi e all'accesso sicuro alle informazioni personali sui vantaggi. Informazioni preziose, a portata di 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 Did you miss the deadline?? Get your statement in today to avoid interruption! 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 Did you miss the deadline?? Get your statement in today to avoid interruption! 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 10.4% YTD as o f September 30 , 2024 Monthly Newsletter Holiday Boundaries: The holiday season can bring stress and pressure, but setting boundaries helps maintain your well-being. Prioritize what matters most, create a budget and remember it's okay to say no. Read More Financial Impact of Smoking: Smoking has significant consequences, from increased insurance premiums to lost income and missed financial opportunities. Quitting smoking can lead to better financial stability and overall well-being. Read More The Psychology of Personal Branding: Register now for this upcoming webinar on the importance of personal branding and how to get started. Thursday, November 7th from 1:30 pm - 2:15 pm Eastern Register Now Life Advisor Well-Being Webinar Library: On demand webinars focusing on work/life balance issues and remedies. Read More Blog blu della Florida Leggi di più Centri Blu della Florida Leggi di più Centri Blu della Florida Leggi di più Blog blu della Florida 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. Iscrizione! Ricevi le ultime notizie nella tua casella di posta ISCRIVITI OGGI! Iscriviti alla nostra newsletter • Non perdere l'occasione! E-mail Partecipare Grazie per esserti iscritto! Ricevi le ultime notizie nella tua casella di posta ISCRIVITI OGGI!

I tuoi benefici per la salute Il Consiglio Direttivo di MCASF Salute e benessere locale 725 Trust Fund è lieto di darvi il benvenuto in Health Care sito web. All'interno di questo sito Web, ora avrai accesso 24 ore al giorno, 7 giorni alla settimana ai moduli più richiesti, agli utili collegamenti evidenziati e alle domande frequenti relative alle informazioni sui vantaggi. 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 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. 2023 SAR Benefici medici La tua rete di prestazioni mediche è fornita da Florida Blue, per individuare un medico di base partecipante nella rete Blue Choice, chiama Choice 1-800-664-5295 o visita il loro sito web all'indirizzo www.floridablue.com Florida Blue For your well-being Learn More Monthly Newsletter Holiday Boundaries: The holiday season can bring stress and pressure, but setting boundaries helps maintain your well-being. Prioritize what matters most, create a budget and remember it's okay to say no. Read More Financial Impact of Smoking: Smoking has significant consequences, from increased insurance premiums to lost income and missed financial opportunities. Quitting smoking can lead to better financial stability and overall well-being. Read More The Psychology of Personal Branding: Register now for this upcoming webinar on the importance of personal branding and how to get started. Thursday, November 7th from 1:30 pm - 2:15 pm Eastern Register Now 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! Blu Florida Blog blu della Florida Leggi di più Centri Blu della Florida Leggi di più Centri Blu della Florida Leggi di più Blog blu della Florida 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'importanza di vedere il tuo dentista Per saperne di più Proteggiti durante la stagione influenzale Ulteriori informazioni su come evitare l'influenza Más información sobre come evitar la lamentela Posso prendere l'influenza dal vaccino antinfluenzale? Sono giovane, sano e non ho mai avuto l'influenza. Ho davvero bisogno di un vaccino antinfluenzale? Come faccio a sapere se ho il raffreddore o l'influenza? 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 Per maggiori informazioni Siamo qui per aiutare! In caso di domande sui benefici per la salute o sull'idoneità, chiamaci al numero (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? PAGAMENTI COBRA UN RE ATTUALMENTE SEI SU COBRA COPERTURA CONTINUA? Ora puoi effettuare il pagamento del premio mensile online con il tuo conto PayPal MCASF Fondo Sanitario Locale 725 ORA ACCETTA COBRA & AUTOPAGAMENTI TRAMITE PayPal Invia il pagamento mensile del premio facendo clic su il pulsante qui sotto. Trasparenza nella copertura La conformità del tuo fondo sanitario con il CCA e il No Surprises Act e la trasparenza nella copertura. Le regole finali di Transparency in Coverage richiedono ai piani sanitari di gruppo non previsti come il nostro di divulgare su un sito Web pubblico informazioni riguardanti: Tariffe negoziate in rete per articoli e servizi coperti Importo consentito fuori rete e addebiti fatturati per articoli e servizi coperti A partire dal 1 luglio 2022, questi file leggibili dalla macchina (MRF) devono essere resi "pubblicamente disponibili e accessibili a qualsiasi persona gratuitamente e senza condizioni, come la creazione di un account utente, password o altre credenziali o PII per accedere al file" e deve essere aggiornato mensilmente. (Questi file sono estremamente grandi e il download per un individuo sarà influenzato dall'hardware, dal browser e dalla velocità di Internet) Puoi accedere a questi file e documenti leggibili facendo clic di seguito : Transparency Website

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.

Documenti di pensione 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. Documento del piano del fondo pensione fiduciario ACRA Local 725 Avviso di finanziamento annuale Piano 2020 Anno Avviso di finanziamento annuale Piano 2019 Anno Avviso di finanziamento annuale Piano 2018 Anno Avviso di finanziamento annuale Piano 2017 Anno 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. Avviso di finanziamento annuale Piano 2021 Anno Avviso di finanziamento annuale Piano 2020 Anno Avviso Finanziamento Annuale Anno Piano 2019 Avviso Finanziamento Annuale Anno Piano 2018 Avviso Finanziamento Annuale Anno Piano 2017 IRS - Required Changes to Form W-4P in 2023

CONTATTO noi tel. 754-777-7735 Fax. 754-999-2205 info@725benefits.org VISITARE noi lunedì - venerdì 8:00 - 17:00 15800 Pines Boulevard, Suite 201 Pini Pembroke, FL 33027 RACCONTARE noi Successo! Messaggio ricevuto. Spedire

IL TUO CONTRIBUTO DEFINITO PENSIONE BENEFICI Il Consiglio Direttivo di MCASF Local 725 Pensionamento a Contributo Definito Il Fondo è lieto di darvi il benvenuto al Contributo Definito sito web. All'interno di questo sito Web, ora avrai accesso 24 ore al giorno, 7 giorni alla settimana ai moduli più richiesti, agli utili collegamenti evidenziati e alle domande frequenti relative alle informazioni sui vantaggi. 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. Dichiarazioni DC I tuoi estratti conto del partecipante 2021 per il fondo pensione a contribuzione definita sono in produzione per la spedizione. Non devi aspettare la posta, puoi ricevere ora il tuo saldo 2021! Accedi al tuo portale per visualizzare.... 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 Periodo elettorale da Dal 1 ottobre al 30 novembre DOWNLOAD FORM Save for your retirement! DC Fund Preliminary Investment Results 10.4% YTD a s o f September 30, 2024 2023 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. 2023 SAR Summary Plan Description The Board of Trustees are pleased to provided you with the Summary Plan Description, Effective July 1, 2021 This SPD provides the most up to date summary of plan provisions and rules. Get Your SPD More Information On the Defined Contribution Retirement Plan, Contact the Benefit Office @ (754) 777-7735 or Click on the Frequently Asked Questions or Documents pages for additional information or forms. Participant Portal You can review your personal information, 24 hours a day, 7 days a week. Check your account balance(s), hours worked, contributions received on your behalf, you beneficiary and more. You can do address changes directly in the portal as well as upload personal documents securely. Useful Links AARP Internal Revenue Service Medicare Social Security Administration Veteran's Affairs

FAQs This page contains Frequently Asked Questions regarding the Pension Fund. Should you have a question or concern regarding your retirement benefit, contact the Benefit Office at 754-777-77353 or info@725benefits.org Pension Fund Frequently Asked Questions Q. How do I become a Participant in the Plan? A. You will become a Participant on the first day of the month in which you accrue 400 Hours in Covered Employment during a period of 12 consecutive months beginning with your first day of employment ending on your first anniversary of employment. Q. I am going through a divorce, what happens to my pension? A. If your former spouse is awarded a portion of your earned benefit through the Plan, it will be necessary that you and your former spouse complete a Qualified Domestic Relations Order (QDRO) so that the Plan can pay benefits to your former spouse. You may contact the Benefit Office and request that a sample QDRO be provided to you. Q. Does the Pension Plan affect Social Security benefits in any way? A. No. Q. Can pensions be paid or assigned or garnered to others? A. No. Pensions cannot be assigned to a third party. The only exceptions are for payments in accordance with a "Qualified Domestic Relations Order," or on the death of the Participant to a designated beneficiary. Q. If benefits are denied, may a participant or beneficiary appeal? A. Yes. Any participant or beneficiary denied a benefit has the right to appeal to the Trustees within 60 days after the date shown on the letter of denial. The rules for filing an appeal are briefly outlined in your Summary Plan Description (SPD). Q . How far in advance should I request an application for retirement? A. You can request an application for retirement any time during the 180 days prior to your expected retirement date but in no event, not later than the last working day of the month prior to the month in which you want to retire with this Plan. Though you can download the application on this website, you will still need the benefit option form, which details optional benefits as well as the monthly value for those benefits. That form is provided to you from the Benefit Office only. Q. In addition to the application for retirement, what other documents do I have to submit to the Fund office? A. You will need to provide photocopies of the birth certificates for you and your spouse, copy of your marriage license, copy of photo state issued identification for you and your spouse, and copy of you and your spouse's Social Security card. If you are divorced, you are required to submit a copy of the final judgment of dissolution with copies of the marital settlement or property settlement agreement and/or a copy of the Qualified Domestic Relations Order (QDRO). Q. I am currently receiving a monthly pension benefit from the Plan and would like to change the tax withholding. What needs to be done? A. You can change your tax withholding as often as you wish by completing a new W-4P which can be obtained from the Benefit Office or downloaded from the website. Once this form is completed, you must return it to the Benefit Office for implementation. You may submit your W-4P form through the Participant Portal. Q. I am currently receiving a monthly pension benefit from the Plan and would like to change the bank account information. How do I change this information? A. You can change your direct deposit information by completing a new Direct Deposit Form which can be obtained from the Benefit Office or downloaded from the website. Once this form is completed, you must return it to the Benefit Office for implementation. You may also change your bank account online through the Participant Portal. Q. I am thinking of retiring, what is the earliest age I can retire? A. A member can retire as early as age 55 as long as you have 10 vesting credits. If you retire early, your benefit will be reduced for every month you retire prior to the normal retirement age of 65. Also, if you retire early, you may not work in the trade, craft, industry anywhere in the United States and continue to receive your monthly benefit, you will be suspended until you are no longer work. You should contact the Benefit Office to discuss your eligibility for early retirement. Q. I recently moved, how do I change my address? A. For your protection, all address changes must be submitted in writing. You can change your address in one of three ways: a) Mail or fax a letter to the Benefit Office with your new address or b) Complete the Address Change Form located on the website and mail or fax to the Benefit Office for processing. c) Log into your Participant Portal and complete the address change form online. Q. I am age 65 and I'm contemplating retiring, can I still work for my employer and receive my monthly pension benefit? A. If you are age 65 and want to retire and continue to work for a Local 725 contributing employer, YES, you can receive your monthly pension benefit and continue to work for your Local 725 contributing employer. There is no restriction of the number of hours you work for that Local 725 contributing employer either and still receive your pension. Q. Whom should I contact if I'm getting a divorce and what documents do I need to submit? A. Please call the Benefit Office and advise the Healthcare and Retirement Services that you are getting a divorce or have already gotten divorced. You will also need to submit a FULL copy of your Dissolution of Marriage Judgment, QDRO (Qualified Domestic Relations Order) Martial Settlement or Property Settlement Agreement and any Qualified Medical Child Support Order to this office. Don't forget to contact the Union Hall (305) 681-8596 to provide them with a copy of your divorce decree. The Benefit Office does not and cannot provide a copy to the Union Hall without your written approval to share that information/documentation. Q. I am age 65, retired and still am working for my employer, does my pension get adjusted for the work I am doing now? A. Yes, an age 65+ working retiree, will have their monthly pension benefit adjusted for the work they are doing in a Plan Year as long as you work at least 400 hour in the plan year, which runs January through December. Each February, the Benefit Office reviews all working retirees of Local 725 contributing employers and recalculates their monthly pension benefit based on the hours worked and contributions received on your behalf. Q. Do I have to complete the Pension Verification Statement I received in the mail? A. Yes, the Pension Plan Rules requires periodic certification of all participant's retirement status for the previous 12 months. Failing to complete the statement by November 1st will result in a suspension of your future benefit payments until the Benefit Office receives your completed Verification Statement. Contact Retirement Services for any additional questions you may have about your pension benefit.

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 Holiday Boundaries: The holiday season can bring stress and pressure, but setting boundaries helps maintain your well-being. Prioritize what matters most, create a budget and remember it's okay to say no. Read More Financial Impact of Smoking: Smoking has significant consequences, from increased insurance premiums to lost income and missed financial opportunities. Quitting smoking can lead to better financial stability and overall well-being. Read More The Psychology of Personal Branding: Register now for this upcoming webinar on the importance of personal branding and how to get started. Thursday, November 7th from 1:30 pm - 2:15 pm Eastern Register Now 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

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 $23,500. 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 $7,500. 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:

About Us Benefit Services was established in 2018 to provide professional, caring and dedicated administration of health care and retirement benefits to the members and their dependents of United Association Air Conditioning and Refrigeration Pipefitters Local Union 725 and to provide remittance support to the contributing employers of Mechanical Contractors Association of South Florida. The Offices of Benefit Services are located at 15800 Pines Blvd., Suite 201, Pembroke Pines, Florida 33027. The Funds. The Employee Benefit Trust Funds are administered and maintained by a Board of Trustees, which consist of equal number of labor appointed and management appointed Trustees. Each Employee Benefit Trust Fund is administered through the terms and provisions of their respected Plan Document and Trust Agreement. PENSION FUND The Pension benefits are provided by the MCASF Local 725 Pension Trust Fund. HEALTH FUND The Health Care benefits are provided by the MCASF local 725 Health & Welfare Trust Fund. DEFINED CONTRIBUTION FUND The Defined Contribution benefits are provided by the MCASF Local 725 Defined Contribution Retirement Trust Fund EMPLOYER REMITTANCE Employer remittance support is provided by the MCASF Local 725 Service Corporation The Board of Trustees. Dedication. Expertise. Passion. Co-Chairman Kenneth E. Scott, Jr. Business Manager/FST UA Local Union 725 Co-Chairman Eduardo Llosent CEO Airtech Air Conditioning Labor Trustee Thomas A. Flavell Business Agent UA Local Union 725 Employer Trustee Julie C. Dietrich Executive Vice President Mechanical Contractors Association of South FL Labor Trustee Ralph J. Castro Journeyman South Florida Trane Employer Trustee Carlos I. Borja President Weathertrol Maintenance Corp. Labor Trustee Robert T. Heslekrants General Foreman Nagelbush Mechanical Employer Trustee Christopher S. Figueras President Evo Air

Datore di lavoro Documenti 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 12/31/23

Contributo definito Documenti 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 I seguenti documenti riguardano tutte le parti del piano. Se c'è un documento di cui hai bisogno che non è elencato, contatta l'Ufficio Benefit. Documento Piano a Contribuzione Definita, in vigore dal 1/1/2015 Modifica n. 1 al documento del piano 1/1/15 Modifica n. 2 al documento del piano 1/1/15 Modifica n. 3 al documento del piano 1/1/15 Relazione annuale di sintesi per l'anno di piano 2019 Relazione annuale di sintesi per l'anno di piano 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. Relazione annuale di sintesi per l'anno del piano 2020 Relazione annuale di sintesi per l'anno di piano 2019 Relazione annuale di sintesi per l'anno di piano 2018 Modulo di differimento elettivo per l'anno solare 2023 Modulo di differimento elettivo per l'anno solare 2022 Modulo di differimento elettivo per l'anno solare 2021 Modulo di differimento elettivo per l'anno rivisto 2020 Modulo di differimento elettivo per l'anno solare 2020 Modulo di differimento elettivo per l'anno solare 2019