Your Benefits Resources
We want to ensure our members and their families to get the most out of the benefits we provide them by providing the most up-to-date library of resources.
Learn More About Your
Annuity Plan
Our Annuity Plan
The St. Louis-Kansas City Carpenters Regional Annuity Plan is a defined contribution plan that was established in May 2019 with the goal of helping our members prepare for a secure retirement.
The annuity plan summary plan description (SPD) outlines the details of our new annuity benefit. The SPD provides a summary of important plan provisions as well as participant rights within the plan; however, the annuity fund plan document is the actual governing document. If there are any discrepancies between the SPD and the plan document, the plan document will prevail.
There are several different types of annuity benefit distributions: Standard, Hardship and Death. For more information, to review requirements to determine your eligibility for payout, or to find details about how to complete an application, visit our Annuity Plan Resources page.
All members accruing annuity benefits under our plan need to complete a Beneficiary Form to name a beneficiary in the event of death. The Beneficiary Form may be found in the Member Portal.
Annuity fund recordkeeping services moved to Manulife John Hancock on May 1, 2026. Find helpful flyers and videos on:
- Basics of stocks and bonds
- Asset allocation and diversification
- Managing risk and long-term planning
- Understanding target date funds
in the St. Louis-Kansas City Carpenters Investment Resource Materials provided by Manulife John Hancock.
WATCH: St. Louis Kansas City Carpenters Plan Overview
(6/9/26 recorded webinar)
Reciprocity
The St. Louis – Kansas City Carpenters Regional Annuity Plan (STL-KC Plan) was established May 1, 2019. Effective May 2020, STL-KC members who travel to work in other carpenters jurisdictions are eligible to transfer annuity benefits into the STL-KC Plan effective for hours worked on or after May 1, 2019. Members whose home local is outside this jurisdiction but traveled into this area to work are able to transfer their benefits from the STL-KC Plan back to their home annuity plan. For more information on reciprocal transfer of benefits between funds, visit our Transfer Benefits page on this website.
