Welfare Fund
The Joint Welfare Fund documents are your primary source for information about health, disability and
death benefits for current and retired members. It also contains information regarding prescription drug coverage; optical, dental and other specialized coverages; an overview of the claims process; and information about coverage you may be eligible for under COBRA.
Summary Plan Description
Click Here to download the latest Welfare Fund Summary Plan Description. Printed 2018.
Click Here to download the prior version of the Welfare Fund Summary Plan. Printed 2011.
Summary of Material Modification Letters
- COBRA Increase Letter - June 2023
- Take Control of Medical Costs - January 2023
- Plan Changes to Prescription Benefits - January 1, 2023
- Home Covid OTS Test Kits Reimbursement
- Plan Changes - Women's Health & Cancer Rights
- Plan Changes - Addition of Air Ambulance Benefit
- Plan Changes - Growth Hormone Benefit & Death Benefit
- Plan Changes Plan A - January 1, 2021
- Plan Changes Plan B - January 1, 2021
- Plan Changes - Reduced Hours and Global Pharmaceutical - January 1, 2021
- Plan Changes - Vision & Dental - May, 2019
Plan Changes - Mental Health Prescriptions - updated February 19, 2019
- Plan Changes, Mental Health Benefits, updated January 1, 2018
- Plan Changes Breast Cancer Act, effective Jan 1, 2019
- Plan Changes, Banked Hours and Health & Welfare Premiums effective Jan. 1, 2018
- Plan Changes, Hearing Aid Benefit, Formula effective January 1, 2017
- Plan Changes, TMJ, Assistant surgery, Horizon Health Center, Pain Management, effective September 1, 2016
- Horizon Health Center effective September 1, 2016
- Plan Changes, Dental, Prescription, Pain management, Premium reductions, effective January 1, 2016
- Plan Changes, Substance Abuse, effective March 1, 2015
- Plan Changes, Plan B vision/dental, HRA, Retiree Eligibility/Premiums, Supplemental Disability, effective January 1, 2015
- Plan Changes to All Plan Co-pays and Plan B vision/dental, effective January 1, 2014
- Plan A Vision changes, effective January 1, 2014
- Plan Changes, Reciprocal Hours and Contributions, effective January 1, 2013
- Plan Changes, Medical Co-insurance Increase and various, effective October 1, 2011
- Plan Changes, Proton Pump Inhibitors Modification, effective April 1, 2011
- Plan Changes, Health Care Reform to Various Benefits, effective January 1, 2011
Summary of Benefits and Coverage
- PLAN A Summary of Benefits and Coverage for the Welfare Funds.
- Effective January 1, 2024 to December 31, 2024
- Effective January 1, 2023 to December 31, 2023
- Effective January 1, 2022 to December 31, 2022
- Effective January 1, 2021 to December 31, 2021
- Effective January 1, 2020 to December 31, 2020
- Effective January 1, 2019 to December 31, 2019
- Effective January 1, 2018 to December 31, 2018
- Effective January 1, 2017 to December 31, 2017
- Effective January 1, 2016 to December 31, 2016
- Effective January 1, 2015 to December 31, 2015
- PLAN B Summary of Benefits and Coverage for the Welfare Funds.
- Effective January 1, 2024 to December 31, 2024
- Effective January 1, 2023 to December 31, 2023
- Effective January 1, 2022 to December 31, 2022
- Effective January 1 2021 to December 31, 2021
- Effective January 1, 2020 to December 31, 2020
- Effective January 1, 2019 to December 31, 2019
- Effective January 1, 2018 to December 31, 2018
- Effective January 1, 2017 to December 31, 2017
- Effective January 1, 2016 to December 31, 2016
- Effective January 1, 2015 to December 31, 2015
Forms & Instructions
Service Providers
Physician & Hospital Network
Horizon Blue Cross Blue Shield Direct Access
P.O. Box 1219
Newark, NJ 07101
Provider Locator Phone number: (800) 810-2583
www.horizonblue.com
Dental Benefits
Horizon Blue Cross Blue Shield Dental Option Plan
P.O. Box 1311
Minneapolis, MN 55440-1311
(800) 433-6825
Provider Locator Phone number: (800) 810-2583
www.horizonblue.com
Mental Health and Substance Abuse Benefits Manager
Intervention Strategies Inc.
351 Evelyn Street
Paramus, NJ 07652
(800) 663-0404 www.interventionstrategies.org.
Prescription Benefits Manager
Capital Rx, LLC
228 Park Avenue South, Suite 87234
New York, NY 10003
(833) 599-1019
www.capitalrx.com.
Medicare Prescription Benefits Manager
Labor First/Retiree First LLC
1000 Midlantic Drive, Suite 100
Mount Laurel, NJ 08054
(862) 206-7156
Trustees
Union Trustees
Daniel Gumble
Tom Sullivan
James McManus
Val McHale
Stan Jaworski
Chris Bioletti
Michael Claus
Employer Trustees
Tom Johnston
Terry Craig
Jim Estabrook
3rd Party Administrator
Fabian and Byrn LLC
425 Eagle Rock Ave., Suite 105
Roseland, NJ 07068
(877) 228-4202
Legal Counsel
Zazzali, Fagella, Nowak, Kleinbaum, and Friedman
Co-Counsel
Tobia & Lovelace, Esqs.
Accountants
MSPC
Actuaries and Consultants
Summit Actuarial Services
Investment Consultants
MPC Capital Advisers LLC
Advisers to the Trustees
Tom Sullivan
