General Information (H&W Plan)
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Name of Plan
The name of the Plan is the
Carpenters District Council of Kansas City and Vicinity Health Plan
Plan Address (Fund Office)
Carpenters' District Council of Kansas City
3100 Broadway Suite 805
Kansas City, MO 64111
(816) 756-3313
(866) 756-3313 - Toll Free
email:
kcfringebens@wilson-mcshane.com
Board of Trustees
A board of Trustees is responsible
for the operation of this Plan. The Board of Trustees consists of
Employer and Union representatives selected by the Builders' Association
and the Union, which have entered into Collective Bargaining Agreements
relating to this Plan. If you wish to contact the Board of Trustees, use
the address and phone number above. The Trustees of this Plan as of
March 1, 2006 are:
Union Trustees
Carpenters District Council
625 West 39th Street
Kansas City, Missouri 64111
Terry Davis
Travis Davis
Keith Winn
John Batye
Jack Earley
Patrick Masten
Todd Vie (Alternate)
Contract Fiduciary
Gary Smith
Employer Trustees
Jeffrey Chaikin
The Builder's Association
632 West 39th Street
Kansas City, Missouri 64111
Douglas Firebaugh
Firebaugh Construction, Inc.
9393 West 110th Street, Suite 120
Overland Park, Kansas 66210
Brett Gordon
McCown Gordon Construction
One West Armour Boulevard, Suite 200
Kansas City, Missouri 64111
Rory O'Connor
Walton Construction Co, Inc.
3252 Roanoke Road
Kansas City, Missouri 64111
Thomas F. Whittaker
J.E. Dunn Construction Company
929 Holmes
Kansas City, Missouri 64106
Contract Fiduciary
Gary Smith
Carpenters District Council
625 West 39th Street
Kansas City, Missouri 64111
Fund Office Administrative Manager
Wilson McShane Corporation
Legal Counsel
Arnold, Newbold, Winter & Jackson, P.C.
Fund Consultant
The Segal Company
Fund Auditor
Cuneo, Lawson, Shay & Staley
Plan Sponsor and Plan
Administrator
The Board of Trustees is
both the Plan Sponsor and the Plan Administrator
Identification Numbers
The number assigned to
this Plan is 501
Employer ID Number (EIN) is 48-6201422
Agent for Service of Legal Process
Mr. Michael C. Arnold is the
Plan's agent for service of legal process. Accordingly, if legal
disputes involving the Plan arise, any legal documents should be served
upon Mr. Arnold at:
Arnold, Newbold, Winter & Jackson, P.C.
1125 Grand Boulevard
Suite 1600
Kansas City, Missouri 64106
Legal documents may also
be served upon any individual Trustee at:
3100 Broadway, Suite 805
Kansas City, Missouri 64111
Source of Contributions
All contributions to the Plan are
made by Employers in accordance with their Collective Bargaining
Agreements (CBAs) with the Carpenters' District Council of Kansas City
and Vicinity of the United Brotherhood of Carpenters and joiners of
America, by Employers in other jurisdictions in accordance with
applicable CBAs and reciprocal agreements in effect, or by Employees
with respect to certain self-payment privileges. The Collective
Bargaining Agreements require contributions to the Plan at fixed rates
per hours worked.
The Fund Office will provide you, upon written request, information as to whether a particular Employer is contributing to this Plan on behalf of participants working under the CBAs.
If your eligibility terminates, you may be allowed, under certain circumstances, to continue coverage for a limited period of time by making self-payments to the Plan.
Type of Plan
The Plan, considered a welfare
plan, is maintained for the purpose of providing medical, prescription
drug, dental, vision, disability and death benefits. The Plan benefits
are shown in the
Schedule of
Benefits
section of this website. All benefits are provided on a self-insured
basis directly from the Fund's assets.
Trust Fund
All assets are held in trust by
the Board of Trustees for the purpose of providing benefits to covered
participants and defraying reasonable administrative expenses. The
Fund's assets are managed by professional asset managers selected by the
Board of Trustees.
Eligibility
The Plan's requirements with
respect to active and retiree eligibility as well as circumstances that
may result in disqualification, ineligibility or denial or loss of
benefits are described on this website (see
Health & Welfare Eligibilty).
Claim Procedure
The procedures to follow for
filing a claim for benefits are listed in the
Health & Welfare
Claims
section of this website. If all or any part of a claim is denied, you
have the right to request that the Board of Trustees review the matter
and that the matter be submitted to a hearing.
Plan Amendment or Termination
The board of Trustees and the
parties to the Agreement and Declaration of Trust (the Carpenters'
District Council of Kansas City and Vicinity and the Builders'
Association) have the authority, in their sole discretion and without
prior notice to participants, Employees, Contributing Employers, the
Union and others affected herby, acting in accordance with the
provisions of the trust Agreement regarding Trustee acts, to amend or
terminate the Plan in whole or in part at any time by execution of an
instrument in writing should conditions so warrant. If the Plan is
modified or terminated, you will be notified in writing or as required
by law.
The Trust may be terminated as a result of the expiration of all Collective Bargaining Agreements requiring payment of contributions to the Fund, or for any other reason deemed necessary by the Trustees.
In the event of a termination, any and all assets remaining after the payment of all obligations and expenses will be used, in accordance with a plan for dissolution adopted by the Trustees, to continue the benefits provided by the existing Plan until such assets have been exhausted or in such manner as will best serve the purposes of the Fund. In no event will assets be paid to or be recoverable by any participating Employer, the Builders' Association or any labor organization.
The Board of Trustees of the Fund have the authority to revise, interpret, construe and apply the provisions of the Summary Plan Description/Plan Document including, but not limited to, provisions relating to the eligibility for, entitlement to and/or nature, amount and duration of benefits.
Statement of ERISA Rights
As a participant in the Plan, you
are entitled to certain rights and protections under the Employee
Retirement Income Security Act of 1974 (ERISA). ERISA provides that all
Plan participants are entitled to the following rights.
Receive Information About Your Plan and Benefits
You have the right to:
-
Examine, without charge, at the Plan Administrator's office and at other specified locations, such as worksites and Union halls, all documents governing the Plan. These include insurance contracts and collective Bargaining Agreements and a copy of the latest annual report (Form 5500 Series) filed by the Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration.
-
Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the Plan. These include insurance contracts and collective Bargaining Agreements and copies of the latest annual report (Form 5500 Series) and updated Summary Plan Description/Plan Document. The Plan Administrator may make a reasonable charge for the copies.
-
Receive a summary of the Plan's annual financial report. The Plan Administrator is required by law to furnish each participant with a copy of this summary annual report.
Continue Group Health Plan Coverage
You also have the right to:
-
Continue health care coverage for yourself, spouse or Dependents if there is a loss of coverage under the Plan as a result of a qualifying event. You or your Dependents may have to pay for such coverage. Review this Summary Plan Description/Plan Document and the documents governing the Plan on the rules governing your COBRA Continuation Coverage rights.
-
Reduce or eliminate exclusionary periods of coverage for pre-existing conditions under your group health plan, if you have creditable coverage from another plan. You should be provided a certificate of creditable coverage, free of charge, from your group health plan or health insurance issuer when:
* You lose coverage under the Plan;
* You become entitled to elect COBRA Continuation Coverage; or
* Your COBRA Continuation Coverage ceases.
You must request the certificate of creditable coverage before losing coverage or within 24 months after losing coverage. Without evidence of creditable coverage, you may be subject to a pre-existing condition exclusion for 12 months (18 months for late enrollees) after your enrollment date in your coverage.
Prudent
Actions by Plan Fiduciaries
In addition to creating rights for Plan
participants, ERISA imposes duties upon the people who are responsible
for the operation of the employee benefit plan. The people who operate
your Plan, called "fiduciaries" of the Plan, have a duty to do so
prudently and in the interest of you and other Plan participants and
beneficiaries. No one, including your Employer, your Union or any other
person, may fire you or otherwise discriminate against you in any way to
prevent you from obtaining a welfare benefit or exercising your rights
under ERISA.
Enforce Your Rights
If your claim for a welfare
benefit is denied or ignored, in whole or in part, you have the right to
know why this was done to obtain copies of documents relating to the
decision without charge and to appeal any denial, all within certain
time schedules.
Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of the Summary Plan Description/Plan Document or the latest annual report from the Plan and do not received them within 30 days, you may file suit in a federal court. In such a case, the court may require the Plan Administrator to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the Plan Administrator.
If you have a claim for benefits that is denied or ignored, in whole or in part, you may file suit in a state or federal court. In addition, if you disagree with the Plan's decision or lack thereof concerning the qualified status of a domestic relations order or a medical child support order, you may file suit in federal court. If it should happen that Plan fiduciaries misuse the Plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court. The court will decide who should pay court costs and legal fees. If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous.
Assistance
With Your Questions
If you have any questions
about your Plan, you should contact the Plan Administrator. If you have
any questions about this statement or about your rights under ERISA, or
if you need assistance in obtaining documents from the Plan
Administrator, you should contact the nearest office of the Employee
Benefits Security Administration (EBSA), U.S. Department of Labor,
listed in your telephone directory or:
Division of
Technical Assistance and Inquiries
Employee Benefits Security Administration
U.S. Department of Labor
200 Constitution Avenue N.W.
Washington D.C. 20210
For more information or to request publications about your rights and responsibilities under ERISA:
Call (866)
444-3272; or
Visit
http://www.dol.gov/ebsa