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Welcome to the

UA Local 725 Apprentices Benefits

Your Dedicated Apprentice's Benefit Website

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Welcome to Your Union Benefits -
An Excellent Benefit Package Built for You!

As an apprentice and member of UA Local 725, you belong to one of the most valuable and comprehensive benefit programs in South Florida. Your Local 725 leadership alongside the leaders at MCASF have negotiated a truly exceptional package that prioritizes your health, financial security and long-term well-being.

Learn about the fringe benefits for a 725 Apprentices

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Learn about your employee packet & why to always work union

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Annual Family Statement

The MCASF Local 725 Health & Welfare Fund is committed to maintaining accurate and up-to-date information for all eligible participants and their dependent family members. To help us accomplish this, the Board of Trustees requires all eligible participants to complete and submit an Annual Family Statement each year.

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Why Is This Information Required?

The MCASF Local 725 Health & Welfare Fund is a self-funded health plan, which means the fund pays approved claims using plan assets. The Board of Trustees has a fiduciary responsibility to ensure that these assets are used appropriately and solely for the benefit of eligible Local 725 members & their eligible dependents. The Annual Family Statement helps the Fund: * Verify that participant & dependent information is current and accurate. * Ensure benefits are being provided only to eligible individuals. * Minimize waste, fraud, and improper use of plan resources. * Help protect plan assets so they can continue providing valuable benefits to Local 725 members & their families. * Maintain accurate contact information so important benefit-related communications can reach you. Annual Submission Is Required All eligible Health Fund participants must complete and submit the Annual Family Statement each year, even if there have been no changes to your information. Failure to submit by the deadline may result in suspension of your health coverage and delays in the payment of health & prescription benefit claims. If you are adding a new dependent, you may be required to provide supporting documentation, such as birth certificate, social security card, photo ID and other applicable documentation. How to Submit Your Statement: Mail your completed statement to Benefit Services @ 15800 Pines Blvd., Suite 201, Pembroke Pines, FL 33027. You can also fax it to (754) 999-2205 or you can email it to us at info@725benefits.org

Defined Contribution (DC) elective contributions - specifically pre-tax deductions into the MCASF Local 725 Defined Contribution Retirement Fund - are among the most powerful tools available for South Florida HVAC union members to secure their financial futures.

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While your employer pays a mandatory hours worked rate into the fund on your behalf, choosing to make your own voluntary employee elective contributions as a 4th or 5th year apprentice accelerates your savings. The tax shelter and compound interest rates provided by this plan make it an indispensable pillar of retirement planning, sitting right alongside your standard union pension, securing your future.

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The 2027 calendar projected maximum for Elective Contribution is $25,500 for a 4th or 5th year apprentice. 

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Before deciding on electing an employee elective contribution, which will be deducted from your gross pay, you should consult a personal financial and tax advisors for guidance.

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The election is for the whole calendar year and cannot be changed or stopped.

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ELECTION PERIOD FOR 2027
IS FROM
October 1st through November 30th

Once you complete your election form, you can mail your form to Benefit Services at 15800 Pines Blvd. Suite 201, Pembroke Pines, FL 33027 or you can upload your form securely on your Participant Portal. You can login by click on the           icon at the bottom of this page.

Be a Nutley, not a Chester

Save for your retirement!

Be a Nutley, not a Chester

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All rights reserved. 

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