The information on this page tells you what to do in the case of a “life event” (such as marriage, divorce, disability or retirement) to ensure continuation of your Health and Welfare, Annuity, and Pension benefits. Complete rules and details for all “life events” are in the Summary Plan Description. If you have additional questions, contact the Fund Office at 781-272-1000.

Life Events

What happens if you…?

Move?

Health and Welfare – Use Member Dashboard to update new address.

Pension – Use Member Dashboard to update new address.

Annuity – Use Member Dashboard to update new address.

Get Married?

Health and Welfare:

  • Notify Fund Office within 30 days of your marriage.
  • Send the Fund Office an official copy of your marriage certificate.
  • Send the Fund Office an official copy of your spouse’s birth certificate.
  • Send the Fund Office a copy of your spouse’s Social Security Card.
  • Make necessary changes to coverage elections (health and life insurance)·
  • Update beneficiary information

Pension:

  • When you apply for your pension benefits, send the Fund Office an official copy of your marriage certificate.
  • When you apply for your pension benefits, send the Fund Office an official copy of your spouse’s birth certificate.
  • Update beneficiary information.

Annuity:

  • When you apply for your annuity benefits, send the Fund Office an official copy of your marriage certificate.
  • Update beneficiary information.

Get Divorced or Legally Separated?

Health and Welfare

  • Notify Fund Office within 30 days of your divorce/legal separation.
  • Send the Fund Office an official copy of your divorce certificate with agreements.
  • Make necessary changes to coverage elections (health and life insurance)
  • Update beneficiary information.

Pension

  • Update beneficiary information.
  • Ensure any Qualified Domestic Relation Orders follow proper requirements.
  • When you apply for your pension benefits, send the Fund Office a copy of divorce certificate with agreements.

Annuity

  • Update beneficiary information.
  • Ensure any Qualified Domestic Relations Orders follow proper requirements.
  • When you apply for your annuity benefits, send the Fund Office a copy of divorce certificate with agreements.

Have or adopt a child?

Health and Welfare

  • Notify Fund Office within 30 days of birth/adoption.
  • Provide Fund Office with child’s Birth Certificate (long form).
  • Send the Fund Office a copy of your child’s Social Security Card.
  • Make necessary changes to coverage elections (health and life insurance)
  • Update Beneficiary Form

Have Military Duty?

Health and Welfare

  • Submit a copy of your military induction/ separation orders or DD214 form to the Fund Office.
  • Check your reemployment rights and eligibility criteria under USERRA.

Pension

  • Request credit for military service from the Fund Office at retirement.
  • Submit a copy of your military induction/separation orders or DD214 form to the Fund Office when you apply for your benefits.
  • Check your reemployment rights and eligibility criteria under USERRA.
  • Check rules and regulations for becoming eligible for vesting service.

Annuity Not applicable

Retire?

Health and Welfare:

  • Elect COBRA coverage
  • Once COBRA coverage expires, enroll in The Retiree’s Self-Pay Medical Program until you are eligible for Medicare.
  • Refer to the Massachusetts Laborers’ District Council Summary Plan Description for details on other available benefits.

Pension:

  • Send a completed application and associated forms to the Fund Office.
  • Select your payment options.
  • Provide necessary documentation if you elect options other than automatic payments

Annuity:

  • Send a completed application and associated forms to the Fund Office if you plan to withdraw your Annuity Fund.
  • Select your payment options.
  • Provide necessary documentation if you elect options other than automatic payments.

Stop Working in Covered Employment?

Health and Welfare:

  • Change address, if necessary.
  • Apply for individual life insurance policy through Union Labor Life Insurance within 31 days of termination.

Pension:

  • Change address, if necessary.
  • Apply for pension if you are vested and meet eligibility requirements

Annuity:

  • Change address, if necessary.
  • Apply for Annuity Benefit if you are vested and meet eligibility requirements.

Become Disabled?

Health and Welfare

Pension:

  • Submit application for disability pension provided you have at least 10 pension credits.
  • Provide a copy of your disability award notification letter from Social Security Administration.
  • Provide medical evidence to Board of Trustees.

Annuity:

  • Submit application for disability Annuity Benefit.
  • Provide a copy of your disability award notification letter from Social Security Administration.
  • Provide medical evidence to Board of Trustees.

Were Injured on the Job?

Health and Welfare

  • Contact your employer.

Pension:

Annuity:

  • Not applicable