Member Benefits

BAC Code of Conduct
The International Union of Bricklayers and Allied Craftworkers 2005 Convention passed a resolution endorsing the following PDF iconBAC Code of Conduct.

HEALTH

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 on PDF iconHealth Fund SPD 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). To view the changes in the Health Fund since the last printing of the SPD click on PDF iconHealth Fund SMM’s.

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. To view the Summary Plan Description (SPD) of the Plan click on PDF iconHRA SPD.

To submit a claim for HRA Reimbursement, use the following forms depending on your status. Active members click on PDF iconHRA Active Claim Form, Retired members click on PDF iconHRA Retiree Claim Form

To view a list of covered expenses click on PDF iconexamples of eligible expenses.

Catamaran Pharmacy Network
The Catamaran™ pharmacy network includes many national chain pharmacies as listed PDF iconhere. Many independent pharmacies are also included in the network. Visit mycatamaranRx.com for a comprehensive listing of network pharmacies or call member services with the phone number located on your pharmacy ID card.

Vision Services Plan (VSP)
Please see the following links for vision providers in your area:

Mutual Relief
The Bricklayers and Allied Craftworkers Local Union 1 Minnesota / North 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 PDF iconclick here for an application.

VACATION FUNDS

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 PDF iconVacation 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

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 on PDF iconMN-ND Pension in the SPD list 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 on PDF iconPension Fund SMM’s.

International Union of Bricklayers and 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.

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. To view the current Summary Plan Description (SPD) click on PDF iconCeramic Tile SPD-2017. Included in the SPD are the eligibility requirements and a list of the investment funds. To learn how to access the web and mobile apps, please PDF iconclick here.

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. To view a copy of the current Summary Plan Description (SPD) click on PDF iconDuluth Annuity-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.

OUTSIDE INSURANCE & ASSISTANCE

UnionPlus Insurance & Benefits Programs
View available benefits and programs for union members on the UnionPlus website.

Senior Care Navigation
In collaboration with the Advanced Advisor Group (AAG) and ELS, the Senior Care Navigation program provide by Lifesprk is an easy-to-use 24/7 personal concierge service for all senior care needs and issues. BAC members and their families can access a broad range of proactive support and planning as well as navigation, connection to reliable resources and advocacy, all from a single phone call.

Lifesprk can help with a wide variety of situations, ranging from people who want to proactively plan to avoid health crises to those who are in the midst of a health care crisis right now. With a mission to spark lives, this service offers members and their families, including grandparents, free navigation support and then depending on each person’s individual situation, additional reliable services such as home care.

The free service enables members’ health care dollars to go further, and is available to all members wherever they call home. To access the navigation service, call toll-free 855-345-3317 or sign-up online for ongoing support at www.lifesprk.com/AAG.

NOTE: Advanced Advisor Group and ELS are separate entities under common control and are not affiliated with Lifesprk or BAC.