HEALTH
For additional information, contact our benefits office, Zenith American Solutions at 651-256-1801 or email [email protected]
HEALTH FUND
Participants may earn eligibility for health benefits which include medical, dental and vision benefits. Participants may also earn eligibility for retiree benefits pre-medicare and supplemental benefits after becoming eligible for medicare. To find a list of covered benefits and all other rules of the Plan, click to view the current Summary Plan Description (SPD). There have been changes to the Health Fund since the last SPD was printed. The changes are made in the form of a Summary of Material Modification (SMM). Click here to view the changes in the Health Fund since the last printing of the SPD.
2023 MEDICAL PREMIUM RATES
Open enrollment is available through November 15, 2022. Forms were mailed out to membership by Zenith American Solutions. If you have not received the forms for this year, contact the office at 612-379-2966 or email us at [email protected] to be sure we have your most recent mailing address on file and we will send you the forms you need to complete enrollment.
HEALTH REIMBURSEMENT ARRANGEMENT (HRA)
Some participants under certain Collective Bargaining Agreements (CBA) may accumulate funds to be used for reimbursing medical expenses. An HRA is an individual account and not a group insurance program. Click here to view the Summary Plan Description (SPD).
To learn more about the Health Reimbursement Arrangement (HRA) administered by Zenith American Solutions, click 
here. For additional information, a video has been provided by Zenith. Click here to view the video.
To submit a claim for HRA Reimbursement, use the following forms depending on your status. Active members can access a claim form here, and retired members here. To view covered expenses, click here.
To log in to your HRA accout, visit zenithflex.com or download the Zenith Flex app. Click here for a guide and answers to frequently asked questions.
PARTICIPANT EDGE ZENITH AMERICAN SOLUTION PORTAL (HRA)
Introducing your NEW Vacation Savings Debit Card! Click here for more information
Participant Edge is your convenient online resources portal, specifically customized to provide you the tools needed to view and manage Plan(s) information.
Not registered yet? If you are a new participant or you have not set up an account, click here to be redirected to the Participant Edge Portal.
Download the fact sheets here:
- PARTICIPANT EDGE REGISTRATION INSTRUCTIONS
- PARTICIPANT EDGE - USING YOUR MN/ND/SD VACATION CARD
- PARTICIPANT EDGE - HOW TO ACCESS YOUR VACATION FUND DOLLARS
- PARTICIPANT EDGE - VACATION FUND INTERNET INSTRUCTIONS
- PARTICIPANT EDGE - FREQUENTLY ASKED QUESTIONS
Zenith American Solutions, Inc. has provided us with this helpful video regarding members' HRAs featuring how to use the platform and what member's need to provide in order to be reimbursed. Check it out here.
Members who already have the Zenith Edge mobile application (Vacation Savings Account) and Zenith Flex (HRA) , please make sure you have updated the app on your device(s). If you continue to have issues after updating the app, please contact Zenith American Solutions directly at 651-256-1801 for assistance.
OPTUM RX
Optum Rx aims to help people take charge of managing and ordering their medications to get the most out of their prescription benefits. To set up your account online, click here and register. Customer service can be reached at 1-800-356-3477.
Download OptumRx Application
Available on Apple app and google play
VISION SERVICES PLAN (VSP)
Please see the following links for vision providers in your area:
- Minnesota Choice Providers
- North Dakota Choice Providers
- South Dakota Choice Providers
- Wisconsin Choice Providers
- Iowa Choice Providers
MUTUAL RELIEF
The Bricklayers and Allied Craftworkers Local Union 1 Minnesota/North Dakota/South Dakota provides accident, sick, disability and death benefits for eligible members. Payments for qualifying members will be $50.00 per week for a maximum of 20 weeks per injury or illness. Contact the Local Union and talk to a Business Representative for more information regarding this benefit or click here for an application. Contact the Local office at 612-379-2966 with questions.
VACATION FUNDS
For additional information, contact our benefits office, Zenith American Solutions at 651-256-1801 or email [email protected]
MINNESOTA AND NORTH DAKOTA VACATION FUND
Participants accumulate an individual account based on hours worked and the contribution rate in the area where the work is performed. Funds are distributed twice a year based on the terms in the Summary Plan Description (SPD). To view the current SPD click on Vacation Fund SPD.
DULUTH AND IRON RANGE VACATION SAVINGS PLAN
Participants that work under the Collective Bargaining Agreements in Duluth and the Iron Range have their vacation savings deposited directly into individual accounts at Centricity Credit Union or the Virginia COOP.
RETIREMENT & PENSION
For additional information, contact our benefits office, Zenith American Solutions at 651-256-1801 or email [email protected].
MINNESOTA & NORTH DAKOTA DEFINED BENEFIT PENSION FUND
Participants may accumulate benefits for a pension and receive monthly benefits upon retirement. The eligibility requirements along with the rates of accrual and other rules regarding the Plan can be found in the Summary Plan Description (SPD). Click here to view the current SPD. There have been changes to the Pension Fund since the last SPD was printed. The changes are made in the form of a Summary of Material Modification (SMM). To view the changes in the Pension Fund since the last printing of the SPD click here.
INTERNATIONAL UNION OF BRICKLAYERS & ALLIED CRAFTWORKERS DEFINED BENEFIT PENSION FUND
Participants may accumulate benefits for a pension and receive monthly benefits upon retirement. The eligibility requirements along with the rates of accrual and other rules regarding the Plan can be found in the Summary Plan Description (SPD). Go to ipfweb.org to find out more details about the pension plan and click on forms to find a downloadable version of the current SPD.
The IPF 2020 Annual Statements are now posted to the BAC Member Portal for those participants that have signed up for electronic access/communications. The remaining paper statements have been placed in the mail. Download the Participant Annual Statement Instructions Here.
MINNESOTA CERAMIC TILE SETTERS PENSION FUND
Participants accumulate funds in individual accounts which they may then invest in a select number of Mutual Funds. Qualifying participants upon retirement may withdraw a lump sum of the investment or choose to receive monthly installments. Click here to view the current Summary Plan Description (SPD). Included in the SPD are the eligibility requirements and a list of the investment funds. Click here to learn how to access the web and mobile apps.
Register for Milliman
Download the Quickstart Guide here:
MINNESOTA CERAMIC TILE AND ALLIED TRADES RETIREMENT PLAN QUICK START GUIDE
DULUTH AND IRON RANGE RETIREMENT FUND
Participants that work under the Collective Bargaining Agreements in Duluth and the Iron Range accumulate an individual account based on hours worked and the contribution rate in the area where the work is performed. Investments are trustee directed. Lump sum retirement benefits are available for eligible participants. Click to view a copy of the current Summary Plan Description (SPD).
RETIREMENT SAVINGS PLAN
Participants that work under the Minot, North Dakota Collective Bargaining Agreement participate in a Retirement Savings Plan with the International Union of Bricklayers and Allied Craftworkers. This plan provides an individual account to participants. Go to ipfweb.org to find out more details about the Retirement Savings Plan and click on Download PDF to view the summary plan description.
BAC LOCAL 1 IRA SELECT
BAC Local 1 is committed to helping you and your family members build toward financial security and retirement. In addition to the BAC pension plan, members now have a new way to plan for their retirement savings.
For more detailed information, click here to review a copy of our BAC Local 1 IRA Select. This video provides an overview of IRAs as well as an enrollment tutorial. Ready to get started? click here or call 763-273-5187 to speak to a financial advisor today.
U.S. Bates Scholarship
The deadline for the 2021 U.S. Bates Scholarship Program has passed. All 2021 scholarship applicants were notified of the selection results in June 2021.
The 2022 U.S. Bates Scholarship will open for applications in February 2022, when program information and the online application form will be accessible on this webpage.
BAC annually awards three scholarships to students whose parents or step-parents are U.S. BAC members. The stipends are $5,000 per year for up to four years – up to $20,000 total.
For further information, please contact BAC’s Education Department at [email protected] or 1-888-880-8222 ext. 3887
IMTEF MATERNITY DISABILITY BENEFIT & CHILDCARE BENEFIT
We're excited to announce IMTEF's new maternity benefit for pregnant women and new mothers represented by IUBAC! This program is another great step toward making high-paying construction jobs with great benefits more welcoming to women.
In addition to IMTEF's new paid maternity benefit plan, imiweb is giving IUBAC members a 10% discount on high-quality childcare at KinderCare's 1700 centers across the country.
QUESTIONS?
For questions or more information, contact Elizabeth Kekeris, IMI Communications Director at [email protected] or 301-323-5959.
MATERNITY BENEFIT - DOWNLOADABLE FAQ SHEETS AND LINKS
IMTEF MATERNITY BENEFIT FLYER IMTEF MATERNITY DISABILITY FAQ SHEET
(For Members) IMTEF MATERNITY DISABILITY FAQ SHEET
(For Union Officers & Contractors) IMTEF MATERNITY DISABILITY BENEFIT SPD
IMTEF MATERNITY BENEFIT WEBPAGE & APPLICATION
