Frequently Asked Question (FAQ)
Does the Fund offer Retiree Health Care Plans?
Yes. Employers that have negotiated a Benefit Trust Plan for their Active employees may also establish a Retiree plan.
Will the Fund cover Non-Bargaining Unit employees also?
Yes, the Fund will cover Non-Bargaining employees as long as the covered Bargaining Unit employees make up at least two-thirds of the group.
Does the Fund offer "individual" plan coverage?
No, the Fund is legally required to offer employer-sponsored benefit plans. As a Taft-Hartley Fund, our plans are negotiated through collective bargaining.
How do I obtain a quote or proposal of benefits?
For Medical Coverage:
Please go to Developing a Plan Proposal on this site for a list of the information needed for a medical plan proposal. You can also view sample schedules of benefits for Benefit Trust Fund medical coverage.
For Dental and Vision Coverage:
Does the Fund offer coverage for groups of fewer than 10 employees?
Yes—no group is too small to participate in the Benefit Trust Fund.
If I negotiate a Medical plan, do I also have to include the Dental and Vision Plans?
No. You can negotiate plans individually, or in any combination. The exception is for Short-Term Disability and Life and AD&D; these coverages are available only with a Medical plan, though they are not required.
How often are rates subject to change?
All Plans are reviewed annually; notification of rate changes is provided 30-60 days in advance of the renewal effective date.