SUMMARY OF BENEFITS

Health & Welfare Plan

The Plan provides coverage for participants and their dependants through pre-tax employer contributions. For each Health Care dollar earned, the full dollar can be used to provide health care coverage. Compare this to having about $0.72 of each dollar earned that can be used to purchase health care coverage if done after paying taxes.

• The Medical Plan has a choice of three providers – all providing quality coverage.
  • Kaiser Permanente
  • United Healthcare
  •  Indemnity Plan
• The Dental Plan has a choice of two providers – both providing quality coverage.
  • Delta Dental
  • Pacific Union Dental     
• VSP vision and eyeglass coverage
• Pacific Behavioral Health
  •  Member Assistance Program
  • Chemical Dependency Program
  • Mental Health Benefits
• Prescription drug program through Prescription Solutions
• Life Insurance Benefit - $15,000
• Accidental Death and Dismemberment Insurance - $15,000
• Direct Self-payment – If a plan participant has exhausted funds in the individual “dollar bank”, for a six month period the member can make self-payments equal to 50% of the coverage cost while the Plan would absorb the other 50% of the cost.
• Temporary Disability Coverage – Up to six months of Plan coverage without charge while the participant is disabled.
• Retiree Health Coverage
  • Normal
  • Early Retiree
  • Disabled Retiree
• 60 Day Protection Plan
  • Extended Plan coverage which may have otherwise been lost due to late employer contributions.
• Surviving spouse and dependant coverage.

Pension Plans

All Pension Plan contributions are made pre-tax (except I. O. Pension). For each Pension dollar earned, the full dollar can be used to provide a pension benefit. Compare this to having about $0.72 of each dollar earned that can be used to purchase a pension plan if done after paying taxes.

International Union Pensions

I.O. Pension

A Defined Benefit Pension paid for by the member’s basic dues contribution. It provides a monthly payment throughout retirement years. (Basic Dues also provides $6,250 Death Benefit. Doubled if accidental death.)

• Normal, early, and disability pension                            

NEBF Pension

A Defined Benefit Pension paid for by an employer contribution of 3% of the gross payroll. It provides a monthly payment throughout the retirement years.

• Normal, early, and disability pension
• Five year vesting period
• Various payment options upon retirement
• Surviving spouse benefits

Local Union Pension

The Defined Benefit Pension Plan

This plan is paid for by an employer tax deferred contribution. Members decide how much of the total wage package is allocated towards this pension plan contribution. It provides a monthly payment throughout the retirement years.

• Normal, early and disability pension
• Five year vesting period
• Various payment options upon retirement
• Surviving spouse benefits

The Defined Contribution Pension Plan (Money Purchase Plan)

The plan is a tax deferred savings account – similar to an IRA.  The plan is paid for by a tax deferred
employer contribution.  The members decide how much of the total wage package is allocated
towards this pension upon retirement, a cash lump sum is available to the participant.   

              There are several options as to how this lump sum can be disbursed.

• Loan program available.
• Member chooses investment options.

Continuing Education

An extensive list of Journeyman Continuing Education classes is available at the JATC Training Center or look under the “Member” tab on the home page of this site. These classes are offered at no cost. Students purchase their own books. All classes qualify for CA State Certification CEU credits. The National Electrical Contractors Association (NECA) offers many classes geared towards developing management skills.

No Hassle Job Referral System

If a Union Electrician becomes unemployed, the member can choose a new job from the Employer job openings which are filled through the daily Union job referral procedure. Members avoid the hassle of looking for a job at multiple locations or agencies. All Union jobs are paid at the same wage rate and benefit package avoiding the fluctuation in pay commonly found by workers who change employers outside the Union electrical industry.

Union Plus Benefits

Access to Union Plus Benefit Programs which includes advantages for credit, mortgage, insurance, provides educational services, rental and purchase discounts, auto buying services, etc.

See Union Plus website at www.unionplus.org

SUMMARY OF BENEFITS (2) (1).pdf