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Employee Benefit News
Carpenters’ Combined Funds, Inc.
VOLUME XIV SEPTEMBER 2013 • PITTSBURGH, PA No. 1
MEDICAL BOARD APPROVES ADJUSTMENTS AND IMPROVEMENTS
by Jim Klein
In response to a review of our
current financial position and in
response to the requirements of the
Affordable Care Act, the Medical
Plan Board of Trustees has approved
a number of changes most of which
will go into effect January 1, 2014.
Please take these items into consider-
ation as you consider your selection
for level of coverage for the 2014 year.
• With the CORE level of coverage,
the deductibles are being lowered
from $3,400 individual/$6,800 family
to $2,000 individual/$4,000 family.
Also, the out-of-pocket medical
maximum (deductible does not count
toward the out-of-pocket maximum)
is being lowered from $10,000
individual/$20,000 family to $3,000
individual/$6,000 family.
• Our prescription coverage bene-
fit in the CORE and STANDARD
Plans will increase such that the
maximum prescription out-of-pocket
will be capped at $6,350 individual/
$12,700 family. Prior to this improve-
ment, the maximum prescription
out-of-pocket in the CORE and
STANDARD Plans was unlimited.
• The monthly charge for the
CORE ($500) and STANDARD
($690) Plans will remain unchanged.
The monthly charge for the
PREMIUM Plan will increase from
$880 to $930.
• We will add coverage under
all three plans for the preventative
items and services required by the
Affordable Care Act. These services
will be provided with no deductibles
or copayments. For any questions on
these services, please refer to your
Summary Plan Description or call the
Fund Office.
• We will increase our sick pay
benefit for claims incurred January
1, 2014 and after from $200 per
week for 15 weeks to $400 per week
for 26 weeks. Note that this benefit
improvement is only for claims that
begin on January 1, 2014 and after.
• With prescriptions, Medco/
Express Scripts will be implementing
Step Therapy for certain specialty
medications. This program will be
administered by Medco and may
require you to try an alternative
specialty drug before you use a
more expensive targeted specialty
drug. In addition, quantity limits
will be placed on certain narcotics.
There are a few other matters
I would like to comment on. The
Greater Pennsylvania Carpenters’
Employee Benefit Newspublished by the
CARPENTERS’ COMBINED FUNDS
INCORPORATEDWILLIAM R. WATERKOTTE
President
JAMES R. KLEINAdministrator
k650 Ridge Road – Suite 300
Pittsburgh, PA 15205
PLEASE CALL US WITH ANY COMMENTS, QUESTIONS OR SUGGESTIONS
Phone: 412-922-5330Toll Free Number: 1-800-242-2539www. carpenterscombinedfunds.org
(Continued on page 9)
Page Two — EmployEE BEnEfit nEws
TRUSTEESGreater Pennsylvania
Carpenters’ Annuity/Savings Fund
william R. watERkottEChairman
John p. Gadomski
timothy m. styBoRski
Jack w. RamaGECo-Chairman
fREdERick Episcopo
John p. maffEo, JR.
Greater Pennsylvania Carpenters’
Pension Fundwilliam R. watERkottE
ChairmanmichaEl J. dinGEy
louis R. GilBERti, JR.lEE J. manGEs
RoBERt d. mEyER
RichaRd d. musko
paul a. simpson, iiitimothy m. styBoRski
michaEl p. wElsh
RichaRd f. RivERs, JR.Secretary-TreasurerEuGEnE B. BRown
RoBERt BuEchEl
domEnic p. dozzi
RoBERt f. lEahEy
anGElo maRtini, JR.tERREncE m. mcdonouGh
Jack w. RamaGE
kEnnEth wolf
Greater Pennsylvania Carpenters’ Medical Plan
william R. watERkottEChairman
RichaRd f. dEluca
michaEl J. dinGEy
fElix a. follEtti
RoBERt J. GRaswick
RichaRd R. okRaszEwski
samuEl shillinG
timothy m. styBoRski
tERREncE m. mcdonouGhCo-Chairman
RoBERt BuEchEl
fREdERick Episcopo
John p. maffEo, JR.stanlEy mERzlak
John moRRis
Jack w. RamaGE
Raymond a. volpatt, JR.
Annuity/Savings Fund InformationHERE IS A SUMMARY OF MARKET VALUE ASSETS AS OF JUNE 30, 2013
Percent Market Value of Total
Federated Total Return Bond Fund . . . . . . . . . . . . . . $ 5,965,913.27 2.19%
American Beacon Large Cap Value Fund . . . . . . . . . . 7,292,146.07 2.68%
Blackrock S&P 500 Stock Fund . . . . . . . . . . . . . . . . . . 3,940,088.55 1.45%
Carpenters Stable Value Fund . . . . . . . . . . . . . . . . . . . 180,880,348.37 66.49%
American Century Strategic Alloc. Conservative. . . . . 6,344,119.22 2.33%
American Century Strategic Alloc. Moderate . . . . . . . 10,145,018.48 3.73%
American Century Strategic Alloc. Aggressive . . . . . . 23,939,003.60 8.80%
Federated Mid-Cap Index Fund . . . . . . . . . . . . . . . . . 4,056,020.13 1.49%
Wells Fargo Advantage Growth Fund . . . . . . . . . . . . . 10,500,915.25 3.86%
American Fund EuroPacific Growth Fund . . . . . . . . . 9,189,172.90 3.38%
Royce Pennsylvania Class FI . . . . . . . . . . . . . . . . . . . . 3,569,898.06 1.31%
Fidelity Advisor Small Cap Fund . . . . . . . . . . . . . . . . . 6,216,730.60 2.29%
TOTAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $272,039,374.50 100.00%
SELECTED TOTAL RETURN INFORMATION ON EACH FUND AS OF JUNE 30, 2013 IS LISTED BELOW
Quarter 1-Year 5-Year 10-Year Ending Ending Ending Ending 6/30/13 6/30/13 6/30/13 6/30/13
Federated Total Return Bond Fund . . . -2.71% .17% 5.50% 4.71%
American Beacon Large Cap Value Fund . . . . . . . . . . . . 5.16% 26.95% 6.79% 8.51%
Blackrock S&P 500 Stock Fund (new fund) . . . . . . . . . . . . . . . . . . . . . . N/A N/A N/A N/A
Carpenters Stable Value Fund — (not net of its annual investment management fee). . . . . . . . . . . . . . . . . .93% 3.89% 4.45% 4.61%
American Century Strategic Alloc. Conservative . . . . . . . . . . . . . . . . . . . . -.68% 7.13% 4.82% 5.45%
American Century Strategic Alloc. Moderate . . . . . . . . . . . . . . . . . . . . . . . -.12% 10.97% 4.85% 6.76%
American Century Strategic Alloc. Aggressive . . . . . . . . . . . . . . . . . . . . . . .35% 13.51% 4.36% 7.48%
Federated Mid-Cap Index Fund . . . . . . .91% 24.74% 8.48% 10.28%
Wells Fargo Advantage Growth Fund. . . . . . . . . . . . . . . . . . . . . . . . . . . 2.15% 14.40% 11.81% 11.72%
American Fund EuroPacific Growth Fund. . . . . . . . . . . . . . . . . . . . -.80% 15.48% 1.13% 9.56%
Royce Pennsylvania Class FI . . . . . . . . . 1.18% 22.47% 7.02% N/A
Fidelity Advisor Small Cap Fund . . . . . . 3.26% 22.78% 6.22% 9.78%
Additional information can be obtained by calling the Vested Interest Response Line at 1-800-374-4631 or by reviewing your Quarterly Statement
when mailed to you by PNC Bank.
EmployEE BEnEfit nEws — Page Three
WELCOME TO RETIREMENTLOCAL UNION No. 81
James L. CarrierLeon JacksonPhil Seyboldt
Brad W. TaylorJohn R. Whaling Jr.
LOCAL UNION No. 84Robert P. Cantaral
Ralph E. FerryRobert M. Portler
Raymond J. RoskosDaniel C. Schiffbauer
LOCAL UNION No. 142Benedict J. Bazner
David A. BetlerRichard A. Cange
Karl B. CookRobert J. Dahl
Ronald L. ElliottAntonio FerranteRobert M. FirdaCraig A. LeonardEmilie G. MarlierDennis M. MurrayGary M. NeiportPaul R. Owens Jr.
John A. PajakMark J. SimpronioTimothy J. TaylorCary W. WatkinsBruce V. Zahn Sr.
LOCAL UNION No. 165Kenneth M. Danovich
Andrew E. HawesPaul A. Johnson Jr.Anthony T. Kimes
Thomas F. MroskeyRobert L. SchafferGregory D. Small
James J. SossoRichard J. StahlRoger L. Travis
LOCAL UNION No. 211Gary P. Benko
Mark P. ColonelloJohn J. Derunk
Thomas F. FarringtonCraig J. GardnerWilliam M. Greb
Kenneth K. KushikFred P. Losco
William L. Magill Jr.Michael J. Mancuso Sr.
Patrick J. McGradyDennis F. Mooney
Lee T. QueiserMark A. Sauter
James N. Schmitt Sr.John H. Trimble
LOCAL UNION No. 214Gary W. AndreeRobert L. BalekSteven C. Biggs
Thomas W. BuehlLarry R. ConcordiaWilliam W. CulhaneGordon E. Deiter Jr.
David L. DelpGerald D. Espenshade
Charles I. Fair Jr.Stephen G. FrantzGregory J. Gaffney
Randy W. HairStephen D. Hake
Dennis E. HermanDonald Richard Hess Jr.
Harold R. HetrickJohn K. Hughes
Michael J. KachmarRichard J. KnorrGerald F. Kurtz
James H. LindseyHamilton A. LittleSharon L. MarvonJerome R. Marx
Frederick A. MillerSteve M. Miller
Ronald P. Moyer Jr.Michael W. Platt
Paul L. Reisinger Jr.Edward V. Scoz
Danny D. ShellenbergerDavid H. ShullerDiana L. Stoner
William J. SwantekEdward N. SwavelyWilliam G. Thomas
Fred T. WellsH. Thomas Wollet
LOCAL UNION No. 230John F. Andrew
William H. BaylesJames R. O’Connell
Timothy J. SchoeppnerRichard Vargo
Allyn J. Willner Jr.Mark R. Woods
LOCAL UNION No. 268Gary L. Baker
Larry W. GearhartKeith A. Goblinger
David R. HillJohn W. Kovach
Randy L. MarshallDavid D. TaggartCharles R. Waid
LOCAL UNION No. 645Harold H. AlexanderJames A. DallabridaFrederick J. Duggan
Robert S. ElickJerome J. ForbesDonald J. Gilbert
Charles B. Gillott Jr.William N. Hale
Lavern M. JohnsonFrank KachurikRalph W. KinatDale A. Koch
Robert J. Kozel
Robert L. MacDowellStephen E. Marisa
Chris S. McLaffertyAlexander J. MiloDavid J. Osolnick
Lawrence J. RandleStephen A. Roccograndi
Robert C. SchollRonald A. SiekierkaWilliam C. Stewart
Earl C. Swan Jr.Ronald T. Womelsdorf
LOCAL UNION No. 759William A. Buckshire
Robert N. LynchGeorge C. SaldanaRobert E. Stewart
LOCAL UNION No. 922Peter N. Allingham
Joseph H. BembnowskiDennis A. Davidson
James H. GillBarry G. Hollis
Daniel P. LemmonPatrick J. McCartney
Adam D. PatinskiPatrick W. Pletcher
Zane F. SchiebelJohn D. Stahl
LOCAL UNION No. 947David L. CarlsonJoseph A. ClintonMichael J. Smith
Stephen L. Winner
LOCAL UNION No. 950James D. Baker
Erwin D. BasslerRobert J. Gazda
Peter A. McConnellRaymond B. OnceaMichael F. PiaseckyJames B. SchnarrsRandy B. Twigg
Terry Lee Weaver
Page Four — EmployEE BEnEfit nEws
WELCOME TO RETIREMENTLOCAL UNION No. 1160
Stephen FilipcicMelvin D. Gleason
John D. MadejaJohn Milvet II
George A. MroskoJohn E. Roof
Richard R. Wagner
LOCAL UNION No. 1419Gary F. AhlesAlex G. Dipko
Richard W. FillerGuy M. ForsytheJohn R. Hoffman
Lawrence W. JonesDavid W. Myers
Chester G. Patchell Jr.Jeffrey L. WaltersRick W. Watkins
Charles W. WilliamsTimothy L. WilliamsThomas R. Wilson
LOCAL UNION No. 1759John R. Dean
Stanley M. KozlowskiRobert L. Landfried
Steven F. Paull
LOCAL UNION No. 2235Frank Benning Jr.William D. BiglerRichard D. Fields
Frank P. KanskyRichard J. Linkenheimer
Jeffrey L. MackRobert L. McDadeSteven E. RemovcikLawrence Robinson
Dennis J. YankesDavid P. Zlokas
LOCAL UNION No. 2237Peter J. Bedford
Robert E. DudanowiczWayne T. GemmillWilliam J. MeyersGerald W. Mosley
Eugene PaulukonisSamuel M. Scavo
Paul D. Yanos
LOCAL UNION No. 2274Chester G. Ekis Jr.Joseph N. Krista Sr.Albert H. Mehal Jr.Vincent A. MilitoTerry R. Pletcher
Carl R. RingerRodney R. Shofestall
Barry D. SullenbergerJames P. SwetlandGeorge D. TresslerLewis M. Wingard
LOCAL UNION No. 2507Vicki J. FernandezRonald E. Shew
LOCAL UNION No. 2590Kenneth L. Mohney
OPTION ON 2011 ANNUITY/SAVINGS PLAN DOLLARSAnyone eligible for an option on 2011 Annuity/Savings Plan dollars should receive that statement from PNC
Bank in the same envelope with the September 30, 2013 quarterly statement. Anyone exercising the option to withdraw all or part of the 2011 money will receive the check from PNC Bank during the first week of December 2013.
If you decide to exercise your option to withdraw money, please remember to sign the option form and check the box for the percentage you want to withdraw (100% or 50%). Return the form prior to the due date to the Fund Office using the enclosed envelope.
Currently, 81% of our retirees are helping the Pension Plan save money by having their monthly pension check direct deposited into their account. Each month we electronically deposit their pension benefit directly into their bank account instead of sending their checks through the mail. Not only does this save your Pension Plan money, it is a real benefit to the member. The member no longer needs to worry about checks being lost in the mail, lost at home or stolen. Also, direct deposit is indispensable for retirees who travel.
And so, when we issued our August 1, 2013 pension
benefit, 4,711 retirees of 5,781 retirees took advantage of direct deposit. To the other 1,070 retirees, why do you want to sit there and wait for the mailman, drive to the bank in the snow and wait in line at the crowded bank? Most likely you are already receiving your Social Security benefit through electronic transfer.
If you are ready to sign up and help your Plan save a few dollars, please call the Fund Office to request a direct deposit authorization form. By doing this, you can guarantee that your benefit will be available to you on the first business day of each month.
DIRECT DEPOSIT FOR PENSION BENEFIT
EmployEE BEnEfit nEws — Page Five
There’s an easier way to tackle personal or work-related problems!
The MAP is available 24/7 to help you resolve problems that may be affecting you in your personal life or at
work. It’s free and completely confidential.
888-MAP-6637
A MAP counselor can help you find the answers to challenges and difficulties!
www.lytleeap.com Password - carpenters
Page Six — EmployEE BEnEfit nEws
IN MEMORIAMWe pause in respectful silence to honor the memory of all our members or former members
whose deaths have been reported to the Fund Office since our last newsletter.
LOCAL UNION No. 81DONALD D. EMERSON
May 14, 2013
RICHARD S GABERMay 1, 2013
DONALD K. HELMBRECKJanuary 12, 2013
RICHARD E. HICKSJuly 31, 2013
GREGORY A. NAYLORDecember 2, 2012
RAYMOND T. NIETUPSKIJuly 7, 2013
ALEX D. SABOLSKY SR.April 17, 2013
LEROY H. WHIPPLEDecember 9, 2012
LOCAL UNION No. 84AUDREY W. BARCLAY
September 3, 2012
BLAINE O. CLINGANSeptember 15, 2012
GLEN R. COULTERDecember 22, 2012
ROBERT D. COWELLJuly 9, 2013
RALPH R. DZIEDZICKIApril 2, 2013
MARTIN P. FAGLERMarch 20, 2013
JAMES R. GARRETTMarch 11, 2013
EARL L. HALTAugust 4, 2013
JEFFREY M. JELLOTSSeptember 14, 2012
LUDWIG C. KRIZAYApril 26, 2013
ROBERT P. MEHALIKJuly 22, 2013
JOHN H. MOODOctober 6, 2012
STEVE M. SEMANCIKDecember 31, 2012
PHILLIP THOMPSONJanuary 23, 2013
JAMES H. WOODSSeptember 29, 2012
LOCAL UNION No. 142HARRY D. BETLER
April 11, 2013
EDWARD M. CHEMANMay 31, 2013
FRED T. COLLINSDecember 21, 2012
RICHARD J. COSNEKOctober 19, 2012
JOHN F. DOMINIKJune 23, 2013
DONALD C. EICHLERApril 26, 2013
MERL E. EMEIGHJune 29, 2013
GARY W. GEYSERJuly 8, 2013
FREDERICK G. HOOVERMay 16, 2013
RONALD M. KOZIAK JR.November 11, 2012
RONALD M. KOZIAKMarch 5, 2013
BURKE M. KUTSCHERJanuary 16, 2012
JOHN O. MALLOYApril 12, 2013
MICHAEL J. McNAMARA JR.December 31, 2012
JOHN D. O’CONNOROctober 27, 2012
BRADLEY H. PORTERMay 11, 2013
PAUL SENCHESENFebruary 18, 2013
JAMES E. SHEEHANApril 30, 2013
FRED T. SHIRINGNovember 27, 2012
LEONARD W. TATEJuly 22, 2013
GEORGE F. VIETMEIERSeptember 20, 2012
JACOB VRTACNIKMarch 7, 2013
WALTER H. WEAVERApril 19, 2013
TIMOTHY G. WINEDecember 12, 2012
LOCAL UNION No. 165ANDREW J. HAUBER
February 19, 2013
ROBERT G. MILLERDecember 13, 2012
ALBERT E. MOWRYAugust 22, 2012
EDGAR M. MURRAYFebruary 14, 2013
JOHN PETERSONJanuary 10, 2013
JOSEPH SUDOLFebruary 10, 2013
ROBERT G. SZITASOctober 24, 2012
DEAN E. THOMASAugust 15, 2012
JOHN H. WALCROFTOctober 11, 2012
LOCAL UNION No. 211WILLIAM L. ENGLERT
February 13, 2013
RICHARD L. EYLESMarch 7, 2013
JOSEPH W. KRAMMOctober 3, 2012
FRANCIS X. KUNZApril 23, 2013
TERRANCE W. LEININGERJanuary 5, 2013
GEORGE R. ROCKMay 4, 2013
DUANE A. TAYLORJanuary 2, 2013
MICHAEL M. TROJANAugust 1, 2013
JOSEPH J. VARACALLI JR.February 13, 2013
LOCAL UNION No. 214LORENZO W. ANDERSON
February 2, 2013
FRED M. BAUMDecember 5 , 2012
JERRY W. BEALJanuary 17, 2013
ROBERT BERKHEIMERAugust 4, 2012
GEORGE E. BERRIERAugust 17, 2012
HARRY G. BETHKEMay 29, 2013
KENNETH A. BIXLERJuly 24, 2013
GEORGE W. BOWERSJanuary 29, 2004
EARL F. CHRONISTERFebruary 6, 2013
JACK D. COOPERJuly 15, 2013
RANDALL D. COVELYNovember 23, 2012
EUGENE R. CREAMERAugust 14, 2011
WILLIAM L. CRESSLER SR.August 17, 2013
DAVID E. DITTENHAFERJanuary 23, 2013
ADAM S. DOMBROSKIMay 15, 2013
FRED R. DONTON JR.November 8, 2012
PAUL E. DOWHOWERApril 19, 2013
ROBERT V. DRABINSKYMarch 11, 2013
GEORGE A. ENGLEMarch 15, 2013
J. A. FENSTERMACHERFebruary 22, 2013
JAMES J. FLAIMFebruary 11, 2013
WILLIAM H. GANTZFebruary 8, 2013
EMANUEL GARCIAMay 14, 2013
RAYMOND L. GASS JR.November 18, 2012
JOHN D. GEHRIS JR.July 10, 2013
PAUL M. GERBERJanuary 6, 2013
RICHARD A. GRACEYMay 2, 2010
JAMES HENRYMay 22, 2013
DARRYL A. HODGEAugust 27, 2013
JOHN C. HOLLINGERDecember 13, 2012
HARRY S. JOHNSONApril 27, 2013
JOHN I. JONESApril 2, 2013
WILLIAM A. KAUFFMANNovember 16, 2012
STEVE T. LENKEVICHMay 9, 2013
LEWIS K. MITTENJune 25, 2013
JOHN J. MUSICKMay 28, 2013
BRIAN K. PETERSAugust 11, 2013
RONALD C. REISCHApril 25, 2013
WILLIAM J. ROVITOAugust 24, 2012
FRANK B. RUSCAVAGEAugust 4, 2013
IN MEMORIAMWe pause in respectful silence to honor the memory of all our members or former members
whose deaths have been reported to the Fund Office since our last newsletter.
STANLEY J. RUSESKYMay 8, 2013
ALBERT SAUERApril 8, 2012
GRANT J. SHERMANMay 15, 2012
ROBERT R. SIMPSON IIMay 9, 2013
HAROLD J. SNYDERMarch 25, 2012
GERVIS SPONSELLERJune 20, 2013
PAUL G. STAVERMay 6, 2013
ALLEN D. SWARTZBAUGHDecember 25, 2012
WALLACE C. THOMPSONJuly 11, 2012
FLOYD T. WHITTAKER JR.January 31, 2013
CHESTON W. WITHEROWMay 15, 2012
LOCAL UNION No. 230ALBERT W. BETLER
February 11, 2013
LUKE DAVISONMay 19, 2013
MELVIN L. EICHERJanuary 12, 2013
PAUL W. GREBNERMay 11, 2013
JEFFREY C. GROLLMUSJuly 19, 2013
LARRY A. JACKSON SR.November 25, 2012
HENRY T. KOVALCINSeptember 29, 2012
DENNIS A. NUGENTSeptember 14, 2012
ROBERT C. SHEAFFERApril 21, 2013
JAMES STIRBIS JR.July 27, 2013
JOHN F. TOKARCIKFebruary 9, 2013
CARL M. WOLFE JRMay 29, 2012
LOCAL UNION No. 240GERALD L. BERRIER
December 17, 2012
LOCAL UNION No. 268GLENN M. ALCORN JR.
October 14, 2012
DARWIN L. CRISMANMay 31, 2012
ANTHONY J. FALCONIOctober 11, 2012
HARRY R. HOGUEJuly 29, 2013
CHARLES B. MAILLIARDAugust 19 , 2012
MARK D. ULBRICHJanuary 7, 2013
LOCAL UNION No. 645EDWARD G. BATH SR.
March 7, 2013
RONALD P. BONARJune 16, 2013
ANTHONY J. COGNETTIMarch 20, 2013
THOMAS P. DOHERTYAugust 16, 2013
GERALD DRAUSAugust 6, 2012
ROBERT E. FRYJanuary 26, 2013
FRANK A. GESKEYOctober 2, 2012
BRUCE H. GILBERTJanuary 21, 2013
ANGELO M. GUILIANONovember 22, 2012
HENRY J. KOLBUSHFebruary 8, 2013
GEORGE J. KOZLANSKYMay 16, 2013
MITCHELL P. KOZOKASApril 1, 2013
GERALD LAYDENSeptember 9, 2012
RICHARD C. LONDONDecember 21, 2012
THOMAS LUCHANSKYJanuary 7, 2013
JOHN M. MANGINOJuly 24, 2012
KEITH B. MAXWELLMarch 18, 2013
CHRIS P. McNICHOLSMarch 24, 2013
OSCAR L. MERRILLJuly 25, 2012
ALBERT MORANJuly 28, 2012
FRANK MORANFebruary 8, 2013
STANLEY R. PEPSIN JR.March 14, 2013
VITO J. PETRUCCIJanuary 21, 2013
ENSO R. PISANESCHIFebruary 10, 2013
LARRY A. PLACEJune 26, 2013
LEONARD PODRASKYMarch 25, 2013
GEORGE PREZNUKNovember 1, 2012
GREGORY PREZNUKSpetember 18, 2012
CHESTER F. PURNELLAugust 28, 2012
FRANCIS QUAREJune 9, 2013
JAMES A. ROSTOCK JR.March 26, 2013
ALVIN W. SCHELLAugust 28, 2012
DON SCHUSTERJuly 18, 2012
RICHARD H. STANCAVAGEFebruary 17, 2013
JOSEPH H. SUMMERSApril 28, 2013
GENE E. TITUSAugust 25, 2012
MARLIN J. TREGODecember 12, 2012
OLIVER J. VIOLINIMay 1, 2013
LEO E. VOUCHOctober 29 , 2012
MICHAEL ZAJACMay 3, 2013
JOHN M. ZIMNICKYAugust 16, 2013
LOCAL UNION No. 759JOHN W. ENOSNovember 18, 2012
WILLIAM B. GREERApril 27, 2013
RONALD D. HEMPELAugust 21, 2013
CHARLES F. HERTZOGDecember 22, 2012
JOHN E. PATERMarch 23, 2013
ROBERT E. PERRYMay 1, 2013
GEORGE F. VERNER SR.May 10, 2013
LOCAL UNION No. 922ANTHONY T. CIUFO
May 29, 2013
RUSSELL W. COCHRAN JR.January 10, 2013
EUGENE C. GOMORIJuly 12, 2013
GLAUDINO IALONGOMay 8, 2013
ROBERT B. KIRKDecember 9, 2012
JOHN K. PALKOMarch 30, 2013
WILLIAM J. PUZFebruary 14, 2013
BRADDOCK ROSESeptember 11, 2012
WILLIAM T. TISHEYOctober 23, 2012
DONALD E. WALKERSeptember 29, 2012
LOCAL UNION No. 947MICHAEL F. CAMPBELL
December 11, 2012
ROBERT L. FRANTZJuly 22, 2012
VINCENT L. HANEYDecember 5, 2012
ALBERT E. HOFFMANMarch 10, 2013
AMORINO A. MEMEFebruary 1, 2013
FRANK J. MILLIARDFebruary 15, 2013
ANDREW C. REIGLEAugust 24, 2012
MICHAEL A. SNYDERNovember 11 , 2012
RANDY J. SWICKMarch 30, 2013
LOCAL UNION No. 950ROBERT W. CARR
February 23 , 2013
SEYMORE E. VONADAOctober 22 , 2012
EmployEE BEnEfit nEws — Page Seven
Page Eight — EmployEE BEnEfit nEws
IN MEMORIAMWe pause in respectful silence to honor the memory of all our members or former members
whose deaths have been reported to the Fund Office since our last newsletter.
LOCAL UNION No. 1160CHARLES W. BRUNNER JR.
January 22, 2013
THOMAS P. CENDROSKIAugust 3, 2007
RAYMOND A. CRONINNovember 24, 2012
DAVID A. DZIKOWSKIMay 29, 2013
WILLARD F. GARLANDSeptember 18, 2012
ROBERT J. HARSHMANMay 1, 2013
VINCENT C. KADLUBEKJune 11, 2013
RONALD S. MOOREDecember 16, 2012
FRANCIS J. NATHApril 27, 2012
DANIEL B. PAGEOctober 20, 2012
JOSEPH T. RYKACZEWSKIJuly 31, 2013
LEROY M. SARVERNovember 28, 2012
JOSEPH WUSCHUNOWSKISeptember 14, 2012
LOCAL UNION No. 1233CARY D. NICORA
April 12, 2013
LOCAL UNION No. 1419NORMAN J. LEE
May 22, 2013
BERNARD D. McCONNELLJanuary 3, 2013
DUANE T. McCONNELLFebruary 9, 2013
FRANK PERCOSKYNovember 9, 2012
RONALD SLICKJanuary 28, 2013
RUDOLPH F. VERHOVSEKAugust 18, 2013
NICK YETSKODecember 23, 2012
LOCAL UNION No. 1759ANDREW ADAMSSeptember 23 , 2012
FRANK J. ARTINGERFebruary 2, 2013
CHARLES J. MICHALSKISeptember 20 , 2012
LOCAL UNION No. 1936JOHN K. DURSTSeptember 8, 2010
LOCAL UNION No. 2235ROBERT T. DONOVAN
December 13, 2012
REGIS C. ENDSLEYJuly 9, 2013
EDWARD J. FINKEAugust 23, 2012
THOMAS KASUNICApril 25, 2013
RICHARD KEENANDecember 25, 2012
JEROME F. MERZJune 28, 2013
WILLIAM D. O’BRIENFebruary 11, 2013
ROBERT E. SOWASHJanuary 30, 2013
MICHAEL P. VITUNICAugust 28, 2012
LOCAL UNION No. 2237STEPHEN MIDDLETON
November 8, 2012
RICHARD L. SPONSLERJanuary 16, 2013
LOCAL UNION No. 2274JOHN D. ALEXANDER
September 24, 2012
DAVID L. BARTHOLOMEWFebruary 11, 2013
WILLIAM C. BASSETTJune 9, 2013
EARL B. CLEMENTSAugust 20, 2013
PHILLIP R. DEWYER JR.July 1, 2013
RAY J. HARKLEROADNovember 12, 2012
GILBERT E. HOOVERNovember 4, 2012
WILLIAM S. JACKSONDecember 1, 2000
ARTHUR J. KINGOctober 7, 2012
FRANK E. KINGFebruary 15, 2013
ROBERT H. LONGFebruary 9, 2013
DOUGLAS E. MCKINNEYNovember 9, 2012
SAM M. MCMURTRIEMarch 1, 2013
CLAIR J. MILLER SR.November 23, 2012
THOMAS E. NEWELLJanuary 19, 2013
HAROLD E. PARKJune 6, 2013
CHRISTOPHER P. RAINEYMarch 9, 2013
GEORGE A. RAYJanuary 30, 2013
HERBERT R. REINHEIMERJune 27, 2013
RODNEY S. ROBINSONMarch 5, 2013
DAVID C. RUPERTJanuary 29 , 2013
PHILLIP J. SPEICHERFebruary 8, 2013
PAUL R. VRESILOVICNovember 26, 2012
STEPHEN R. YAMRICKSeptember 13, 2012
LOCAL UNION No. 2507BETTY E. CARBAUGH
May 16, 2013
KYLE D. KIRBYAugust 16, 2012
CHARLES J. SHAFFERSeptember 13, 2012
DAVIS VISION RENEWAL RATESnow through 8/31/2014
Member only . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $115.68
Member plus one . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $231.60
Member plus family . . . . . . . . . . . . . . . . . . . . . . . . . . . . $347.16
For more information on Davis Vision,please call the Fund Office.
EmployEE BEnEfit nEws — Page Nine
Medical Plan will not be merging with the Building Trades Health and Welfare Fund (Central Pennsylvania) at this time. This matter will be revisited in the future once the plans are on a more equal financial status.
Also, there are no additional rate increases expected for retirees at this time. In addition, effective for anyone retiring January 1, 2014 and after, the Plan will return to the way it dealt with medicare eligible retirees before there was a dollar bank. Medicare eligible retirees will be
Invoices for quarterly medical coverage are mailed at the end of a month. Members are given about three weeks to make payment. That last week before the start of the quarter is used to process all the necessary paperwork and to relay the eligibility information to Highmark Health Services and Express Scripts/Medco. And so, for example, for the medical coverage quarter of July 1 through September 30, invoices were mailed at the end of May and members were given until June 21 to make payment.
From time to time, a member might find it necessary to file a hardship application to withdraw money from the Annuity/Savings Plan to make the necessary self-payment for medical coverage. When one files a hardship application, it will take PNC Bank about seven to ten working days to cash out the individual’s investment and
Medical Board Approves Adjustments and Improvements (continued from page 1)
shifted to a secondary plan as soon as they retire. Effective January 1, 2014, these retirees will no longer forfeit their bank and can use the bank until exhausted.
One final item, Active members will not be able to use their bank as a Health Reimbursement Account at this time. We will review this matter in the future once we have more financial history and can determine if the Plan can afford to make this improvement.
issue a check. As you can see, it will be very difficult to make payment to the Medical Plan by the due date unless you file the hardship application with the Fund Office right away. SHOULD YOU FIND YOURSELF IN THE POSITION THAT YOU MUST FILE A HARDSHIP APPLICATION TO MAKE MEDICAL PAYMENT, PLEASE CALL THE FUND OFFICE IMMEDIATELY UPON RECEIVING YOUR MEDICAL STATEMENT INVOICE AND RETURN THE COMPLETED APPLICATION RIGHT AWAY. FAILURE TO DO SO IN A TIMELY FASHION WILL RESULT IN YOUR INABILITY TO USE THIS OPTIONAL FORM OF PAYMENT.
Also keep in mind that any withdrawal from the Annuity/Savings Plan will be subject to income tax and in many circumstances, a 10% federal excise tax.
ANNUITY/SAVINGS WITHDRAWALS FOR MEDICAL COVERAGE
Date
October 4, 2013 Open enrollment packet to be mailed to eligible participants.
October 7, 2013 through Open enrollment. Please do not wait until the last minute to enroll. If you do not respond by November 6, 2013 November 6, 2013, you will automatically default into the same level of coverage as in 2013. If
you are not changing your selection, there is no need to respond.
November 11, 2013 Last day to receive your selection confirmation letter. If you do not have a confirmation letter, call the Fund Office no later than November 13, 2013. UNDER NO CIRCUMSTANCES CAN A CHANGE OF SELECTION BE MADE AFTER NOVEMBER 13, 2013.
November 28, 2013 Bank statement/invoices to be mailed to members.
December 20, 2013 Last day to make payment.
January 1, 2014 Coverage to begin.
TENTATIVE SCHEDULE FOR 2014 GREATER PENNSYLVANIA CARPENTERS’ MEDICAL PLAN OPEN ENROLLMENT
Page Ten — EmployEE BEnEfit nEws
STEP ONE: EMPLOYEE MUST PROVIDE EMPLOYER OF PRIORNOTICE OF UPCOMING MILITARY SERVICEThe right to reemployment and contribution of benefits under USERRA requires an employee provide advance notice, either written or oral, tothe employer of military service. Employers should post a notice that employees must notify the employer, the Union and the Fund office ofmilitary service as soon as known. If notice is not given then an affidavit from the employee will be required, with any supportingdocumentation, to explain why the notice was not given. The acceptable reasons for failure to notify the employer shall be limited to militarynecessity, impossibility or unreasonable circumstances.
STEP TWO:Upon notice, oral or written, of military service then the employer, the Union and the Fund Office shall, within 30 days, communicate the receiptof the employee notice to the other two entities to assure knowledge of the employee’s status.
STEP THREE:Upon return, the employee shall notify: (1) The last employer, (2) The Union, and (3) The Plan Administrator, of his request for reemploymentwith the prescribed time periods set forth by USERRA. The employee’s notice shall include a copy of his discharge papers from military service.
STEP FOUR:The Plan Administrator shall determine if the employee has satisfied the USERRA requirements considering;1. Date of Initial Notice before military service;2. Review of Employee Affidavit concerning failure to notify employer before commencement of military service;3. Nature of Service Discharge. The right to request reemployment may terminate if the separation from service is due to a dishonorable
discharge, bad conduct discharge, or for separation under other than honorable conditions;4. Reemployment also is not required if the employment prior to service is only for a brief, non-recurrent period and there is no reasonable
expectation that such employment will continue indefinitely or for a significant period;5. The length of absence due to service is cumulative and cannot exceed five years. After five years of service the reemployment rights
generally terminate;6. Verification that the employee is truly available for return to work at his previous position;7. Date of Notice of request to return to employment with last employer, or Union or Plan Administrator;
Length ofMilitary Service: Reemployment Deadline:LESS THAN 31 DAYS 1 work day after discharge (allowing 8 hours for travel)*31 THROUGH 180 DAYS 14 days after discharge**MORE THAN 180 DAYS 90 days after discharge
* or as soon as possible after the expiration of the eight hours travel time if such is impossible or unreasonable.** or if such is impossible, then the next day when it becomes possible after the 14 days.
Absence for purposes of examination for service is treated as a period for less than thirty-one days applies;
If hospitalization occurs during service, then the time periods above apply after recovery, but such time shall not exceed two years.
STEP FIVE:If the employee fails to report or apply pursuant to the above schedule then the Plan Administrator shall contact the employer for a statement ofits conduct rules, policy and practices regarding explanation and discipline for absences from scheduled work.
STEP SIX:If an employee satisfies the initial notice requirements for USERRA medical benefits then the Plan Administrator shall notify the employee ofthe costs of coverage.
STEP SEVEN:If the employee is denied medical benefits then the employee shall be sent written notification of the basis for denial within a reasonable period.
Dear Greater Pennsylvania Union Carpenter:
United Concordia is pleased to announce that this year, we will be offering you a dual choice for your voluntary dental benefit. You can elect to enroll in ConcordiaPLUS, the dental HMO that is already offered or you may enroll in ConcordiaAccess, a new dental plan that provides you with more freedom of choice.
How Do the Programs Work?
The ConcordiaPLUS plan is a managed care dental plan that requires your selection of a Primary Dental Office (PDO) from our ConcordiaPLUS network for you and each of your covered family members.
Payment for covered services is made according to the enclosed ConcordiaPLUSBenefits Summary and is based upon United Concordiaʼs Maximum Allowable Charge (MAC). You will be responsible only for the copayment amount for each procedure performed. There are no deductibles, annual maximums or lifetime maximums on orthodontic services. Furthermore, you do not need to file any claim forms. If you have any treatment in progress, such as orthodontic work, bridgework, etc., please contact Dental Customer Service to confirm coverage.
You can select a PDO by either visiting United Concordiaʼs web site at www.ucci.comand selecting ConcordiaPLUS under the provider section or by contacting Dental Customer Service at 1-866-357-3304.
The ConcordiaAccess plan is a passive PPO plan for your diagnostic, preventive and basic services and a discount plan for all other dental services. This plan provides you with a broader selection of providers, who are in the ConcordiaAccess network. You are not even required to use a participating provider for covered services. However, participating providers accept our payment as payment in full, less any deductible or coinsurance which is the memberʼs responsibility. Non participating providers may balance bill you for charges which exceed our Maximum Allowable Charge (MAC).
You are required to use a participating provider for non covered, discounted services as those providers agree to offer you a discount on these services. The discount is typically around 20% of the providerʼs normal charge.
Dear Greater Pennsylvania Union Carpenter: United Concordia is pleased to announce that this year, we will be offering you a dual choice for your voluntary dental benefit. You can elect to enroll in ConcordiaPLUS, a dental HMO, or you may enroll in ConcordiaAccess, a dental plan that provides you with more freedom of choice.
How Do the Programs Work?The ConcordiaPLUS plan is a managed care dental plan that requires your selection of a Primary Dental Office (PDO) from our ConcordiaPLUS network for you and each of your covered family members.
Payment for covered services is made according to the ConcordiaPLUS Benefits Summary and is based upon United Concordia’s Maximum Allowable Charge (MAC). You will be responsible only for the copayment amount for each procedure performed. There are no deductibles, annual maximums or lifetime maximums on orthodontic services. Furthermore, you do not need to file any claim forms. If you have any treatment in progress, such as orthodontic work, bridgework, etc., please contact Dental Customer Service to confirm coverage.
You can select a PDO by either visiting United Concordia’s web site at www.ucci.com and selecting ConcordiaPLUS under the provider section or by contacting Dental Customer Service at 1-866-357-3304.
The ConcordiaAccess plan is a passive PPO plan for your diagnostic, preventive and basic services and a discount plan for all other dental services. This plan provides you with a broader selection of providers, who are in the ConcordiaAccess network. You are not even required to use a participating provider for covered services. However, participating providers accept our payment as payment in full, less any deductible or coinsurance which is the member’s responsibility. Non participating providers may balance bill you for charges which exceed our Maximum Allowable Charge (MAC).
You are required to use a participating provider for non covered, discounted services as those providers agree to offer you a discount on these services. The discount is typically around 20% of the provider’s normal charge.
Cost of the Programs ConcordiaPLUS Premiums: ConcordiaAccess Premiums:
Coverage Level Quarterly Premium Coverage Level Quarterly Premium
Single $ 76.41 Single $ 58.77 Two Party $148.62 Two Party $105.27 Family $228.75 Family $175.98
How Do I Enroll in the Coverage?Please contact United Concordia toll-free at 1-866-477-2433 for an enrollment kit. Complete an enrollment form and return it with a check for the first three months of premium (see box for quarterly costs). The information should be forwarded to:
United Concordia Companies, Inc.PO Box 69423
Harrisburg, PA 17106-9423
Mail in cut-off is 12/20/2013 for a 1/1/2014 effective dateMail in cut-off is 1/20/2014 for a 2/1/2014 effective dateMail in cut-off is 2/20/2014 for a 3/1/2014 effective date
Please note that if you have not enrolled by 3/1/2014, you will not be eligible until the next open enrollment for 1/1/2015.Please make checks payable to United Concordia Companies, Inc. and be sure to submit it with your enrollment application no later than the 20th of the month prior to the requested effective date as outlined above.
EmployEE BEnEfit nEws — Page Eleven
Carpenters’ Combined Funds, Inc.650 Ridge Road, Suite 300Pittsburgh, Pennsylvania 15205
Non-Profit Org.U.S. Postage
PAIDPittsburgh, PAPermit No. 880
