Active Members
Annuity
What if I go to work for a non-union employer doing work covered by our Collective Bargaining Agreement?
Your Health Benefits will be terminated immediately and you will not be eligible for COBRA. You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.
You should contact both our Referral Hall and Fund Office and those of the Local in which you intend to work to determine whether the other Local will reciprocate benefit contributions back to Local 478. Find out what forms the other Local will require. Please note that most other Locals do not have SUB, so you probably would not accrue any SUB from work performed in such instances, and some do not have an Annuity/401K Plan. Finally if you work in a jurisdiction where they utilize a stamp program, you should pay particular attention to their requirements for redeeming your stamps.
You must notify both the Referral Hall and Fund Office promptly regarding both. You may be eligible for special benefits through the Health, Pension, Annuity and SUB funds.
What if I am an Active Member who is required to begin receiving Pension and Annuity benefits under the law that requires me to do so starting on the April 1 of the year following the calendar year in which I turned age 73.
Such Members are considered to be Active Members and may earn and receive Active Health benefits and SUB. Members who voluntarily retire prior to being required to begin receiving Pension and Annuity benefits may work unlimited hours upon attainment of age 73, but such individuals are not eligible for SUB.
If you are concerned that your employer might be delinquent, call the Health and Contributions departments of the Local 478 Fund Office. If your employer is not paying your benefit contributions, we may already be aware of the situation and taking action to collect the amounts due on your behalf. There are some rare instances where we might not know that a member is working for a particular employer. Therefore, you should notify us of any problems. Always keep copies of your pay stubs and any other documentation in case a problem comes up.
Retiree Members
Annuity
What if I go to work for a non-union employer doing work covered by our Collective Bargaining Agreement?
Your Health Benefits will be terminated immediately and you will not be eligible for COBRA. You will be prohibited from taking an Annuity Distribution. If you are receiving a pension, your Pension Benefit and any Retiree Health Benefits you may be receiving will be terminated. You will be ineligible for SUB, referral by the Local, and Training classes.