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FAQ

The answers to frequently asked questions below are general in nature and do not modify the terms of their respective Plans. You should refer to the related Summary Plan Description for more specific information regarding each Fund's Plan.

Top Frequently Asked Questions

If a member qualifies for coverage through the National Health & Welfare Fund, can they still obtain coverage through the Marketplace?

As far as we understand, there is no prohibition on purchasing coverage through the Health Insurance Marketplace even if a person has other health coverage. However, if you have coverage under the Fund (or an offer to opt into coverage), you may be disqualified from receiving a federal subsidy for coverage purchased through the Marketplace.

How are my Pension retirement benefits determined?

Both Pension Plans B & C are Defined Benefit Plans. Your Plan and your Summary Plan Description booklet contain the formulas for calculating benefits under each available type of pension. Generally, all the benefit formulas reflect the pension credit you earn for work in covered employment, your employer’s contribution rate/s and your age at retirement.

Does coverage obtained through the Marketplace qualify as valid group coverage in order to enroll in the stand-alone MRP Plan?

No. In order to enroll in the stand-alone MRP Plan, your other coverage must be employer or union sponsored group health coverage.

What if I work for different employers, some of whom contribute to Pension Plan B and some of whom contribute to Pension Plan C?

Both Plans contain a ‘combined benefit’ provision whereby service credit earned under one Plan may be recognized by the other. Please refer to your Summary Plan Description booklets for further details.

Is coverage through Medicare, Medicaid, or the Veteran’s Administration acceptable as “other group health coverage” pursuant to ACA requirements?

No. These are not employer/union sponsored plans and are therefore not considered acceptable other coverage for enrollment in the Fund’s MRP stand-alone option pursuant to ACA guidance.

Do I have to retire at a certain age as specified by the rules of the Pension Fund Plans?

No. You may continue to work as long as you like; retirement under the Pension Fund is voluntary. However, if you are a 5% owner of the stock (or voting shares) of an Employer, your pension payments will automatically begin on the April 1st following the year in which you turn age 70 ½ even if you are still working.

I am enrolled in Medicare, what are my Plan options?

  • If you have stopped working (retired) and you have a Plan C CAPP balance, you can enroll in the Retiree Medical Reimbursement Program (R-MRP). See the Retiree MRP Plan Summary Plan Description for specific rules. Your Medicare coverage(s) will be your primary coverage.

  • If you are still working, even sporadically, and your employer contributions in a quarter (plus your balance) equals or exceeds the Plan’s current cost of C4 Single, the you must, in accordance with CMS (Medicare) rules, enroll in Plan coverage and your Medicare coverage(s) will be secondary coverage. 

Can I withdraw pension contributions made by my employer on my behalf?

No. This is a defined benefit plan and you are entitled to a monthly retirement benefit once you become vested. You are not entitled to the specific contributions made on your behalf.

Is the MPIPHP coverage considered group health coverage?

Yes. Any group health plan coverage obtained through your employment or employment of your spouse or partner is acceptable “other group health coverage” for purposes of enrollment in the stand-alone MRP Plan, provided that you submit the required proof of other coverage and certify that the other coverage meets the ACA’s minimum value standard. You can check with your Plan Sponsor (typically your employer) or the insurance carrier whether the other coverage meets the minimum value standard. All benefit funds and insurance companies are required to issue SBCs (Summary of Benefits and Coverage) that indicate whether the plan of benefits meets the minimum value standard pursuant to the ACA’s requirements. The SBC will indicate that at the top of the form.

Will proof of age be required when I apply to retire?

Yes. You will need to furnish proof of your date of birth when you retire. If you are married, proof of marriage as well as proof of your spouse’s date of birth will be required.


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