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Information regarding the Health & Welfare benefits for the participants of UA Local 725 YOUR HEALTH CARE BENEFITS The Board of Trustees of MCASF Local 725 Health & Welfare Trust Fund is pleased to welcome you to the Health Care website. Within this website, you have access 24 hours a day, 7 days a week to commonly requested forms, useful highlighted links, and frequently asked questions regarding your benefit information. 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. #break the stigma Mental Health Awareness Month May is a time to raise awareness of those living with mental or behavioral health issues and to help reduce the stigma so many experience. COMING INTO FOCUS!! The Board of Trustees are pleased to announce that a VISION BENEFIT will be coming to the Health Plan! Watch here for more detail as information on this exciting benefit is rolled out Coming Soon ~ July 1, 2025 Retiree Subsidy Program Changes The Board of Trustees are pleased to be able to extend the Retiree Subsidy Benefits for an additional 12 months for a maximum of 72 consecutive months. Also, the maximum reimbursement amount is now up to $500.00 from $425.00. Read More on the Program Rules Getting Close to Retirement Age? Benefit Services is developing a retirement guide to assist you in your transition to retirement including healthcare. Watch here for the guides that are coming soon! Coming Soon Medical Benefits Your medical benefit network is provided by Florida Blue, to locate a participating primary care physician in the Blue Options network, please call 1-800-664-5295 or visit their website at www.floridablue.com Florida Blue For your well-being Learn More brought to you by MCASF Local 725 Health Fund's Member Assistance Program brought to you by: Monthly Newsletter Dopamine Menu A dopamine menu is a personalized list of activities that boost mood and motivation by engaging the brain's reward system.. Read More How Mental Health Shapes Men's Bodies Mental health shapes physical health - stress, sleep, and emotions impact strength and well-being. Prioritizing movement, nutrition, and emotional wellness builds true resilience. Read More Why We Feel: Understanding the Purpose of Emotions Emotions can be confusing, but they play a critical role in shaping our actions, relationships, and overall well-being. Don't miss this opportunity to gain insights into the power of emotions - sign up now Thursday, May 8th from 1:30 pm - 2:30 pm Eastern Register Now Empowering Your Journey with Counseling Solution-focused counseling empowers you to create positive change by building on your strengths, setting clear goals, and focusing on solutions rather than problems. Read More A Better You Information & webinars for a healthier you... Click Here To Learn More Important Resource on UTI's from our partners @ Better Health In the midst of all the hustle and bustle, we can easily lose site of our own personal wellness. At Better You, we want to support your health all throughout the year. UTI's are no fun and can lead to dangerous and even life-threatening concerns. Please take a moment to review this important resource. Your Copy Spanish Version 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 MCASF Local 725 Health Fund's Prescriptions Coverage Is Administered By Sav-Rx On May 1, 2024, 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. If you need a new card, please contact Sav Rx directly by clicking the call button below. 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 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 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! MCASF Local 725 Health Fund's Medical Coverage is Administered By: Florida Blue Blog Read More Better You Newsletter Read More Florida Blue Centers Read More Locations in South Florida Miami the Falls Hialeah Fort Lauderdale / Sunrise Boynton Beach / Palm Beach Port St. Lucie Map Your Personal Path to Health Start Today The Importance of seeing your dentist Learn More Protect Yourself During Flu Season Learn More About Avoiding The Flu Más información sobre cómo evitar la gripe Can I get the flu from the flu shot? I'm young, healthy & have never had the flu. Do I really need a flu shot? How do I know if I have a cold or the flu? 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 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 For More Information We are here to help! Should you have any questions regarding your health benefits or eligibility, give us a call at (754) 777-7735 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 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 Where should I go when I need care? COBRA PAYMENTS A RE YOU CURRENTLY ON COBRA CONTINUING COVERAGE? SELF-PAY PAYMENTS A RE YOU CURRENTLY ON SELF-PAY CONTINUING COVERAGE? You can now make your monthly premium payment online through PayPal You can also make any repayment of LOT benefit you received in error. MCASF Local 725 Health Fund NOW ACCEPTS YOUR HEALTHCARE P AYMENTS THRU PayPal Remit your healthcare payment by clicking the button below. You do not need a PayPal account to make your payment! Transparency in Coverage Your Health Fund's compliance with the CCA and The No Surprises Act and Transparency in Coverage. The Transparency in Coverage final rules require non-grandfathered group health plans such as our to disclose on a public website information regarding: In-network negotiated rates for covered items and services Out-of-Network allowed amount and billed charges for covered items and services As of July 1, 2022, these machine-readable files (MRFs) must be made "publicly available and accessible to any person free of charge and without conditions, such as establishment of a user account, password or other credentials or PII to access the file" and must be updated on a monthly basis. (These files are extremely large and download for an individual will be impacted by your hardware, browser and internet speed) You can access these read-able files & documents by clicking below : Transparency Website

MCASF Local 725 Health Fund's Member Assistance Program brought to you by: What services will the our Member Assistance Program provide you? The MCASF Local 725 Health & Welfare Trust is pleased to introduce a our 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 program is brought to you by the Ulliance Life Advisor Member Assistance Program and 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 our program. READ HERE Watch Watch these introductory video on our Member Assistance Program Watch Introductory Video Learn More Learn more on the MCASF Local 725 Health Fund's Member Assistance Program Member Assistance Program Summary How to Login into the MAP Portal Legal & Financial Assistance Identity Theft Monitoring brought to you by: Get your handy refrigerator magnet today! You can pick one up at the Benefit Office, the Union Hall and at the Training Center. Grab a sticker for your hard hat while you are there too. MCASF Local 725 Health Fund's Member Assistance Program brought to you by: Monthly Newsletter Dopamine Menu A dopamine menu is a personalized list of activities that boost mood and motivation by engaging the brain's reward system.. Read More How Mental Health Shapes Men's Bodies Mental health shapes physical health - stress, sleep, and emotions impact strength and well-being. Prioritizing movement, nutrition, and emotional wellness builds true resilience. Read More Why We Feel: Understanding the Purpose of Emotions Emotions can be confusing, but they play a critical role in shaping our actions, relationships, and overall well-being. Don't miss this opportunity to gain insights into the power of emotions - sign up now Thursday, May 8th from 1:30 pm - 2:30 pm Eastern Register Now Empowering Your Journey with Counseling Solution-focused counseling empowers you to create positive change by building on your strengths, setting clear goals, and focusing on solutions rather than problems. Read More 15 Reasons To Use the MCASF Local 725 Health Fund's Member Assistance Program brought to you by Ulliance Life Advisor MAP 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 MAP 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 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

Information regarding the Pension benefits for MCASF Local 725. YOUR PENSION BENEFITS The Board of Trustees of MCASF Local 725 Pension Trust Fund is pleased to welcome you to the Pension website. Within this website, you have access 24 hours a day, 7 days a week to commonly requested forms, useful highlighted links, and frequently asked questions regarding your benefit information. 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. Annual Funding Notice Get Your 2024 AFN Did you get a new bank account? If you are receiving a monthly pension benefit and you recently changed your bank account, you need to update your direct deposit information with the Fund Office to ensure your next pension check gets deposited correctly. You can update your information directly in your participant portal or you can download the form and mail it to the Fund Office. DOWNLOAD Federal Tax W-4P Form IRS - Required Changes to Form W-4P Learn More 2025 Form W-4P Get Your Form Here Getting Close to Retirement Age? Benefit Services is developing a retirement guide to assist you in your transition to retirement. Watch here for the guides that are coming soon! Coming Soon FOR MORE INFORMATION Regarding your Pension benefits, eligibility and accrued value, please contact the Benefit Office at (754) 777 - 7735 AT YOUR FINGERTIPS.... You can find frequently asked questions regarding the Pension Fund and popular documents such as an application, direct deposit form and more. Click on the links below! FAQs 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 Participant Portal YOUR PERSONAL PENSION INFORMATION You can now view your personal pension benefit information, securely and easily 24 hours a day, 7 days a week. Right from computer or even your phone. In additional to pension information, you can also view your health and defined contribution benefits as well as work hours and dependent info. You can now also do an address changes, beneficiary elections and upload your personal documents Click For The Participant Portal >

Contact information for Benefit Service, administering benefits for participants of UA Local 725 and remittances for contributing employers of MCASF. Contact 15800 Pines Blvd., Suite Pembroke Pines, FL 333027 754-777-7735 info@725benefits.org First Name Last Name Email Message Thanks for submitting! Send

providing valuable documents for the Defined Contribution Plan for UA Local 725 & MCASF Defined Contribution Documents 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 formulario de selección de beneficiario Address Change Verification Form formulario de cambio de dirección 3 Elective Form 2025 Elective Deferral Form NOW CLOSED Defined Contribution Plan Documents The following documents pertain to all parts of the plan. If there is a document you need that is not listed, please contact the Benefit Office. Plan Document, effective 7/1/21 Summary Plan Description (SPD), effective 7/1/21 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. Summary Annual Report for 2023 Plan Year Elective Deferral Form for 2025 Calendar Year NOW CLOSED

This page provides valuable documents for the Pension Fund for UA Local 725 & MCASF Pension Documents Pension Forms 1 Standard Forms Federal Income Tax Withholding Form (W-4P) - Fillable Direct Deposit Form Beneficiary Election Form formulario de selección de beneficiario Address Change Verification Form formulario de cambio de dirección 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 Need Help for Completing Your Pension Application Are you looking at the Pension Application Packet and wondering how do I complete it? Wondering what to put in what section? Benefit Services has developed the videos below to assist you in completing your pension application. For Married Participants For Single Participants 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. MCASF Local 725 Pension Plan Document (effective July 1, 2021) MCASF Local 725 Summary Plan Description (effective July 1, 2021) 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. Annual Funding Notice 2024 Plan Year IRS - Required Changes to Form W-4P in 2023

providing valuable documents for Employers of UA Local 725 & MCASF Employer Documents 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 WORKSHOPS Information / Documentation for Employer Workshops Brought to you by MCASF or Benefit Services Withdrawal Liability - Held 1/30/25

Information regarding Benefit Services and what they administer for UA Local 725 and MCASF 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 Health Fund Defined Contribution Fund Employer Services 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 The Benefits Team Professional. Caring. Dedicated. Jeffrey Allen Administration Lianet Prieto Employer Services Josh Allen Retirement Services Louis Hernandez Healthcare Services Roberto Mattei Accounting The History of Pipefitters Local Union 725 Highly Skilled. Union Proud. Union Strong. Pipefitters Local Union 725 United Association Air Conditioning, Refrigeration, & Pipefitters Local Union 725 represents more than 1,200 members in the South Florida area working in the air conditioning, refrigeration, and mechanical systems industry. Local 725's work covers installation, retrofit, service maintenance, repair of water & sewer treatment plants, fuel piping installations for airports, ink piping installations for newspaper plants, ammonia, and glycol systems for cold storage and ice rinks, pharmaceutical plants, plus many other. Chartered on June 22, 1950, Local Union 725's jurisdiction encompasses Miami-Dade, Broward, and Monroe counties as well as jurisdiction in 4 coastal counties on Florida's west coast; Collier, Lee, Charlotte and Sarasota for all HVAC Mechanical Service. Local 725's training center, ARPEC (Air Conditioning, Refrigeration, and Pipefitting Education Center) has deep roots in the State of Florida, first registered as an Apprenticeship program on October 11, 1949. Since then ARPEC has continued to lead as one of the most highly regarded Apprenticeship program in the United States and Canada. Visit UA 725 website The History of the MCASF Professional. Skilled. Proud Union Contractors. Mechanical Contractors Association of South Florida The Mechanical Contractors Association of South Florida is an association representing contractors who build and service heating, ventilation, air conditioning, refrigeration and piping systems in the metropolitan areas of Miami and Ft. Lauderdale and their suburbs as well as the Florida Keys. Through education, legislative representation, bargaining and networking opportunities, MCASF helps our contractor members steer their firms in the right direction for the future. MCASF is affiliated with the Mechanical Contractors Association of America and the Mechanical Service Contractors of America and our contractor members are signatory to the United Association Air Conditioning and Refrigeration Pipefitters Local Union 725. Visit MCASF website

Benefit Services providing professional administration of health care and retirement benefits to the members of UA Local 725 and to provide remittance support to contributing employers of MCASF. Welcome to the MCASF Local 725 Benefit Trust Funds Within this website members have access 24 hours a day, 7 days a week to commonly requested forms, useful highlighted links, frequently asked questions regarding your benefits, and a secure access to your personal benefit information Pause Valuable Information is just a click away! #break the stigma Mental Health Awareness Month May is a time to raise awareness of those living with mental or behavioral health issues and to help reduce the stigma so many experience. For your well-being Learn More brought to you by: COMING INTO FOCUS!! The Board of Trustees are pleased to announce that a VISION BENEFIT will be coming to the Health Plan! Watch here for more detail as information on this exciting benefit is rolled out Coming Soon ~ July 1, 2025 Pension Fund ANNUAl FUNDING NOTICE Get Your 2024 AFN A Better You Information & webinars for a healthier you... Click Here To Learn More Getting Close to Retirement Age? Benefit Services is developing a retirement guide to assist you in your transition to retirement. Watch here for the guides that are coming soon! Coming Soon DC Fund Preliminary Investment Results -2.8% as o f March 31 , 2025 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 MCASF Local 725 Health Fund's Member Assistance Program brought to you by: Monthly Newsletter Dopamine Menu A dopamine menu is a personalized list of activities that boost mood and motivation by engaging the brain's reward system.. Read More How Mental Health Shapes Men's Bodies Mental health shapes physical health - stress, sleep, and emotions impact strength and well-being. Prioritizing movement, nutrition, and emotional wellness builds true resilience. Read More Why We Feel: Understanding the Purpose of Emotions Emotions can be confusing, but they play a critical role in shaping our actions, relationships, and overall well-being. Don't miss this opportunity to gain insights into the power of emotions - sign up now Thursday, May 8th from 1:30 pm - 2:30 pm Eastern Register Now Empowering Your Journey with Counseling Solution-focused counseling empowers you to create positive change by building on your strengths, setting clear goals, and focusing on solutions rather than problems. Read More Florida Blue Blog Read More Better You Newsletter Read More Florida Blue Centers Read More Locations in South 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. Sign Up Today! Get The Latest News to Your Inbox SIGN UP TODAY! Subscribe to our newsletter • Don’t miss out! Email Join Thanks for subscribing! Previous Monthly Newsletters

This pages provides answers to FAQs for the Health Fund for UA Local 725 & MCASF. 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 72 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.

providing answers to FAQs for Employers of UA Local 725 & MCASF 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.

This page answers FAQs for the Health Fund for UA Local 725 and MCASF 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.