Basic Trust Fund Benefits

Basic benefits are provided free to all bargaining unit employees. Additional benefits and benefits for spouses and other dependents are available to Union Members only through the optional voluntary benefit program.

Basic Benefits

Life Insurance Benefit

Prudential Life Insurance Company
$25,000 Union member coverage
$15,000 Non-union member coverage

AD&D Insurance Benefit

Prudential Life Insurance Company
$15,000 Union member coverage
$10,000 Non-union member coverage

Pre-paid Dental

United Concordia
PLUS Plan TCA21 Union member coverage
PLUS Plan TCA36 Non-union member coverage

Disability

Prudential Life Insurance Company
Short-Term Disability
7-day waiting period-accident or sickness (Union)
15-day waiting period-accident or sickness (Non-Union)
50% of pay up to a maximum of $175 per week
benefit payable for up to 13 weeks including waiting period

Long-Term Disability
13-week waiting period
50% of pay up to a maximum of $600 per month
benefit payable to age 65

Vision

Spectera
Exam, once every 12 months
Lenses, once every 12 months
Frame, once every 24 months
Contacts (in lieu of glasses), once every 12 months

Union:	$0 Exam Copay	$0 Material Copay
Non-union:	$10 Exam Copay	$25 Material Copay

Chiropractic

Landmark Healthplan
Union:

Chiropractic/Acupuncture/Herbal Therapies
Office Visit $5 Copay
Maximum Annual Visits 30
Acupuncture Herbal Therapies $5 Copay per bottle, $1,000 annual maximum

Non-union:

Chiropractic Benefit
Office Visit $10 Copay
Maximum Annual Visits 20

Roth IRA

American Funds
Individual Retirement Account opened with American Funds (type of fund depends on needs of each member)
Minimum withholding of $50 per month by the Union
Automatic deposit of withholding into American Funds account