Retired & Working

…earn eligibility, you will receive a refund equal to the health contributions made by your employer as previously outlined by the Plan. What about Plan B coverage? If you earn enough credit hours to move to Active Plan coverage, our office will notify you of your coverage change. At that time, we will make recommendations for how to proceed with your required Medicare Plan B coverage. If you have any questions about how your health coverage may be affected if you are working after retirement, please contact Participant Services by email at benefits@laborfunds.org or by phone at 314.644.4802, option 1….

Check Your Hours

The health, pension, annuity and vacation benefits you earn are based on the number of work hours reported by and related contributions paid by your employer. It is important to check your hours periodically to make sure your employer has reported and paid for all the hours you have worked. Mid-America Carpenters Regional Benefit Services has a new Member Portal. Verifying your work hours through the MACRBS Member Portal is easy! First, use the following instructions to set up your Member Portal Account. Visit laborfunds.org From a mobile phone or tablet Select the 3 red lines in the top right…

Metro Imaging Update

On June 23, 2025, all Metro Imaging offices are now Mercy Imaging Centers. As a result, Metro Imaging will cease to exist as free-standing facilities. Mercy bought Metro Imaging in 2018 and, as of June 22, 2025, all Metro Imaging facilities are now Mercy Imaging Centers, which is a hospital-owned system. Under our Premium Plan, Hospital-owned imaging centers are subject to the $300 deductible and 20% coinsurance. Under our Basic Plan, a $1,000 deductible and 30% coinsurance apply. For alternative free-standing facilities, please contact Participant Services by email at benefits@laborfunds.org or by phone at 314.644.4802, option 1….

Your Member Portal Awaits

…remains safe with us. What else can you do? Check your hours Make a payment Review eligibility Update your address Access your documents Upload documents and forms Update beneficiary information Complete online forms View annuity and pension statements View short-term disability payments [coming soon] Calculate pension projections Note to St. Louis Pension Plan Participants. As your Benefit Plan Administrators, we are required to send you certain information about your benefits. If you elect to GoGreen, Carpenters Pension Trust Fund of St. Louis will notify you of the electronic availability of your pension benefit statement every year. If you do not…

An Uphill Battle

…hours were lost due to covid, resulting in lost revenue of almost $15,000,000. Medical costs of treating covid have taken a unprecedented toll. Since the healthcare system halted elective services, serious health conditions went undetected and are now even more costly to treat. For the Plan to continue providing quality health benefits for its nearly 50,000 covered lives, the Trustees of the St. Louis-Kansas City Carpenters Regional Health Plan approved significant changes to the health plan. These plan modifications will ensure the financial strength of the Plan and are detailed in the first four pages of our March Builder newsletter….

First Annuity Statements are in the Mail

…are eligible for benefits based on retirement age. The Plan is focused on building assets and reserves during these first three years. Assets and reserves will build faster by waiting through this three-year period. After May 1, 2022, eligible participants may apply for a distribution in writing to Retirement Services. All inquiries should be directed to: Retirement Services – Annuity Plan St. Louis – Kansas City Carpenters Regional Benefit Office 1419 Hampton Avenue St. Louis, MO 63139 Phone: 1.877.232.3863, Press #2 Email: [email protected] After May 1, 2022, the Annuity Plan provides for qualified hardship withdrawals (up to 25% of a…

How Do You Spend Your Healthcare Dollars?

…or facility is substantially higher for the health plan because there is not a contract in place to allow the Plan to control what is actually payable. As a member, your out-of-pocket is significantly higher as well. Out-of-network providers can bill whatever they want and the Plan has very little control on how they bill you. The benefit level reimbursed for out of network is 50% after you meet a specific out-of-network deductible of $600 individually. Refer to your Medical Schedule of Benefits for more information on copays and deductibles. It is your responsibility to verify the provider you visit is…