Health Insurance | Reinstatement | Pension | Vacation Fund | Benefit Quick Guide

Does your employer provide:

Family Health Care Benefits
Retirement Plan
Vacation Benefits

...at no additional cost to you?

If not, give us a call and let's talk about your future.

HEALTH INSURANCE
Health insurance is provided for you and your family. This insurance covers major medical, medical, dental, vision, prescription drugs and more. It takes 325 hours to become eligible for the first time.

Example

In this scenario you would reach your 325 hours during the month of August. However, you must complete the month in which your 325 hour requirement is fulfilled. You then have a lag month before you become eligible for insurance. The hours of this interim month are added to your hour bank. Your eligibility for health insurance would begin on October 1.

After your eligibility begins, the insurance program deducts 130 hours per month from your bank. Any hours that your work above the 130 go directly into your bank.

Example: If your work 160 hours in October, 130 of those would be deducted to fund your insurance. The additional 30 hours would go into your hour bank. You can bank up to 1170 hours in the hour bank. If you become unemployed, you will have insurance until your hour bank can no longer deduct 130 hours per month. When you reach this point you will be eligible for insurance again upon reaching 130 hours or more in your hour bank, and then the lag month again. After an inactive account for 6 months, with no monies being received, any hours remaining will be reverted back to the fund.

REINSTATEMENT
If you were previously covered based on hours worked, you will again become eligible following the accumulation of your "Bank" of 150 or more hours within 6 consecutive months immediately following your termination. Eligibility is then reinstated beginning with the first month following the lag month.

PENSION
Currently we participate in the Wyoming Carpenters Pension Fund administered by Leo Riley & Co. you may receive a pension booklet from local 1564 or by calling Leo Riley & Co. at 307-265-3800.

VACATION FUND
Instead of a paid vacation with time off, which is almost unheard of in construction, the Carpenters Union in Wyoming has a vacation fund. This fund works somewhat like a savings account for you. For every hour that you work under a Commercial or Industrial contract, the contractors pay $1.00 for your vacation. This is added to your paycheck, taxed, and then deducted and sent into the Trust Fund that manages this account. The plan year funds from October 1st through September 30th of every year, and monies become payable to you in November of that year.

Remember: You can only draw your monies from your account in November and the only monies available are those placed in the account the previous year(s).
This money has already been taxed a the time that you earned it so there will be no taxes due upon receipt that year. If your work as a member of the United Brotherhood of Carpenters in other states besides Wyoming, they have their own Trust, which handles their Vacation Plan. These Trusts will probably differ from Wyoming's and it will be up to you to find out how their Vacation Funds are dispersed to you, as a working member in that state, because that money is not sent back to Wyoming.

BENEFIT QUICK GUIDE

For questions about...	Contact
Obtaining a Summery Plan Description	ASI (Administration Services, Inc.)
Medical, dental and vision benefits	Phone:	1-800-716-0300 509-328-0300
Medicare and retiree benefits
Employee weekly income, life and AD&D coverage
Filing claims/checking on claim status	Mail:	Washington-Idaho Carpenter's Employer's Health & Security Trust Administration Services, Inc. P.O. Box 5434 Spokane, WA 99205
Eligibility, enrollment and Hour Bank rules
Contacting the Board of Trustees (appeals, comments, etc.)
General health care questions & doctor referrals	MRC (Medical Rehabilitation Consultants)
Hospital Preadmission Certification	Phone:	1-800-716-5056 509-3289700
Case Management Program (for ongoing issues)
Better Baby Program (for expectant mothers)	Email:	precert@medrehabconsultants.com
Prescription benefit coverage	NMHCRx (National Medical Health Card Systems, Inc.)
Participation pharmacies	Phone:	1-888-354-0090
Mail-order program
Preferred drug list	Website:	www.nmhcrx.com
Prior authorization for certain drugs