Have questions about your benefits?  Click on the Fund your are participating in and scroll through the Frequently Asked Questions (FAQs) for more information.

SEIU National Industry Pension Fund (NIPF)

Pension Plan for Employees of SEIU (Staff Plan)

SEIU Affiliates' Officers and Employees Pension Fund

SEIU Affiliates' Officers and Employees Pension 401(k) Plan

SEIU Staff 401(k) Plan

SEIU Health & Welfare Fund

Still have questions?  Contact the Fund office: info@seiufunds.org

All FAQs

How do I take a distribution after retirement or termination?

Access your online account and initiate a distribution or rollover under Withdrawals.  Or contact Prudential at 877-PRU-2100.

How do I change my email address?

Access your account online.  At top of your Home Page, click on your name or the down arrow; then on "My Profile".  Under "Log in Profile" click on "Change Email".  If you have difficulty, contact Prudential at 877-PRU-2100.

How do I sign up for e-delivery?

Access your account online.  www.prudential.com/online/retirement.  On your home page, click the "View Details" box then select "Statements & Documents".  You can change your delivery preference from paper to electronic or vice versa, then click "Submit".  

How do I change investment options?

You can call Prudential and speak with a customer relations agent (877-PRU-2100) who will assist you with the operation.
Or you can access your account online www.prudentail.com/online/retirement, click on "View Details" and "Manage Access", click on "Transfers", where you can:

    -Transfer Existing Investments
    - Reallocate Your Holdings
    - Rebalance Your Account

How do I designate a beneficiary?

Submit a Designation of Beneficiary form to the Plan Administrator.  Please be sure to authorize your designation(s) by signing and dating the form.
The form can be mailed to the SEIU Benefit Funds Office (1800 Massachusetts Avenue NW, Suite 301, Washington DC. 20036.
Or you can scan and email it to BenefitFundInfo@seiufunds.org.or for the Plan's records.

How do I change deferral percent?

For SEIU International Staff, you can change your 401k deferral percent (increase/decrease/or suspend) in Ultipro.  Contact Human Resources for Directions.

For NIPF employees, you can change your 401k deferral percentage (increase/decrease/or suspend) by submitting an Information Change Form to the 401k Benefit Specialist:

How do I consolidate retirement accounts from prior employers?

Access you account online.  On your home page, click on the "View Details" box under "Manage Account", select "Roll Money In".  You can download the acceptance form or call Prudential (1-877-PRU-2100) for assistance.  When asked how you can be helped, say "CONSOLIDATE".

How do I set up my account profile?

Once your account has been created in Prudential, you can access it online at www.prudential.com/online/retirement.  Register, following the prompts.  On your Home Page, click on the down arrow by your name at the top of the page; then on "My Profile".  In the "lLog in Profile", you can designate one or more email addresses to receive quarterly statements and annual notices.  You can also indicate delivery preference (i.e. email or snail mail), as well as statement format preference (i.e. detailed or summarized).

Should you wish to adjust your preferences, there is a CHANGE option.

I am on NIPF payroll - How do I enroll in the 401k Plan?

You can enroll by submitting an Enrollment Worksheet, found in the Retirement Workbook, which you can download on the ADP Self-Service Portal or request from the 401k Benefit Specialist: 

I am on SEIU International Payroll - How do I enroll in the 401k Plan?

You can enroll via Ultipro.  On your home page, select 401k Enrollment and follow the prompts to authorize the bi-weekly deferral percentage (1% up to 25% of gross compensation), and investment allocation(s).  Prudential will set up your account.
To monitor your account online, go to the following link:
www.prudential.com/online/retirement

100% Spousal Pension

This option allows you to provide 100% of your pension benefit to your spouse after your death. You may elect this option with a “pop-up” provision, meaning that if your spouse dies before you do, your benefit will be adjusted to the amount it would have been, had you not elected a benefit for your spouse.

75% Spousal Pension

This option allows you to provide 75% of your pension benefit to your spouse after your death.

50% Joint & Survivor Pension

You may elect this option to provide for a non-spouse beneficiary. If you die before your beneficiary, he or she will continue to receive 50% of the amount you were receiving before your death. You may elect this option with a “pop-up” provision, meaning that if your beneficiary dies before you do, your benefit will be adjusted to the amount it would have been, had you not elected the Joint & Survivor option.

50% Spousal Pension

The standard option for married participants. If you die before your spouse, your spouse will continue to receive 50% of the amount you were receiving before your death. You may elect this option with a “pop-up” provision, meaning that if your spouse dies before you do, your benefit will be adjusted to the amount it would have been, had you not elected a benefit for your spouse.

Straight Life Annuity with a 60-Month Guarantee

If you die before you’ve received 60 payments, your named beneficiary will receive the remainder until all 60 have been paid.

Straight Life Annuity

The Straight Life Annuity is the standard option for single participants; it provides an unreduced monthly benefit for your lifetime only.

CAN I REQUEST A STATEMENT TO SEE MY CONTRIBUTIONS TO DATE?

Submit the Estimate Request form to receive a estimate of your future pension and contributions made your your behalf to date.

IF I CHANGE JOBS TO ANOTHER CONTRIBUTING EMPLOYER, WHAT HAPPENS TO MY PENSION?

If you leave your job and go to work for another NIPF contributing employer, your pension plan is “portable.” Refer to your Summary Plan Description for more information.

HOW DO I EARN A PENSION?

For every month you work for an employer that contributes to the NIPF  Pension Fund (a “contributing employer”), you earn one month of credit toward your pension. This is called “Credited Future Service.”

In addition, you may have worked for your employer before your employer started contributing to the Pension Fund. In this case, you may have earned “Credited Past Service”* for every month you worked before your employer started making payments to the Fund.

How do I determine if I am eligible to enroll for coverage through the Fund?

Click on the "What are my Benefits" tab on the Health & Welfare home page.  Start typing your Employer name and locate it and then click "Next".  If your Employer name / work location appears, it means your employer participates in the Fund and you may be eligible to enroll.

How do I enroll for coverage?

In order to enroll, please complete and sign an enrollment form.  The enrollment form for your plan can be found under the "Where are my Benefits" tab under the Health & Welfare Page.  Return the enrollment form to your employer, who will then submit it to the Fund office.  Remember to keep a copy of your enrollment form.

Can I report electronically to the Funds?

Yes, the Fund accepts electronic submissions of reports in certain formats.

When are contributions due?

Contributions to the Pension Fund are due on the 15th of the month following the month work was performed.
Contributions to the Health Fund are due on the 15th of the month prior to eligibility.

What is Withdrawal Liability?

Withdrawal liability ............

How do I .........

Please contact the Fund for more information

What does the Local’s participation entail?

The Participation Agreement should be completed and executed by an Officer or authorized representative and returned to the Fund office for acceptance.  Upon acceptance for participation, enrollment materials will be generated by Prudential and sent to the Local’s contact (named in the Participation Agreement).

The Local’s Human Resources personnel and Payroll personnel may need to establish procedures to include the following functions:
  • Distribution of enrollment materials and processing of new enrollments
  • Processing payroll deductions and changes to deferral percentages
  • Timely remittance of contributions and loan repayments, so as not to incur penalties for lost earnings
  • Appointment of a staff member to monitor the Plan on Prudential’s Plan Sponsor website
  • Updating participant status and address on the Plan Sponsor site (or communicating same to the Benefit Fund office and/or Prudential’s Client Rep)
  • Recordkeeping for compliance and audit purposes

How much will participation cost the Local?

The Local is billed for a modest share in the Plan’s overall fiduciary expenditures by the Fund, based on the number of participant accounts with a balance in the Local’s subscription on the last day of each quarter—regardless of whether the participant is still employed by the Local or not.

Do we have to prepare and file a 5500 or perform annual compliance testing?

Absolutely not.  The SEIU Benefit Funds works with Prudential, as well as the Fund’s independent auditing firm, to prepare all legal and tax filings.  One of the services provided by Prudential is the annual compliance testing – the Local must furnish basic payroll details as requested, but all testing calculations are performed by Prudential’s Compliance Unit.

How can we advise our staff to enroll?

The Board of Trustees set up the Plan with an array of investment options, including the Vanguard Target Date funds, as well as a stable value fund and two socially responsible equities.

Once a Local’s Participation Agreement has been accepted by the Benefit Funds, if there is sufficient interest among the local’s staff, Prudential can arrange to send a knowledgeable retirement specialist to educate your staff on retirement planning and the investment options available through the Plan.

Why choose to subscribe in the plan for your officers and employees?

In addition to your pension plan, a 401(k) provides another vehicle to enable staff to save for a well-deserved retirement.  Contributions are pre-tax deferrals, thus providing an immediate tax benefit.  Participants can also rollover account balances from all eligible plans of former employers.  Each participant has 24/7 online access to their own account and lots of retirement education planning materials.

What is the SEIU National Industry Pension Fund?

The SEIU National Industry Pension Fund is a 100% employer funded, multi-employer defined benefit plan that was established in 1968. 

Who can contribute to the SEIU National Industry Pension Fund?

Any employer that has a collective bargaining agreement with a SEIU Local can potentially contribute to the SEIU National Industry Pension Fund on behalf of their members.  Contact your local SEIU office or the Fund office directly for more information.

How do you report to the Fund?

Employers report contributions to the Fund by submitting a remittance report and corresponding payment to the Fund office’s lockbox address and/or email address at remittance.reports@seiufunds.org.  The lockbox address is:

                                S.E.I.U. National Industry Pension Fund
                                P.O. Box 841967 (NIPF) or 841961 (BSEP) 
                                Boston, MA 02284

If you would like to learn  how to send payments electronically to the Fund office please contract the Fund office.

What type of information do I need to report to the Fund on a remittance report with payment?

A participating employer should report the following information for every employee for every month:

  • Employee Full Name
  • Employee Full Social Security Number
  • Employee Birth Dates
  • Employee Hire Dates
  • Employee Gender
  • Reported Units (This varies by Collective Bargaining Agreement)

You can find some examples on the Employer Resource page.  Please contact your contract technician or the Fund office at benefitfundinfo@seiufunds.org for more information.

When are contributions due?

Contributions and supporting remittance report(s) for the National Industry Pension Fund (NIPF) are due on the 15th of the month following in which the work was performed for which the contributions are owed.  For a more detailed explanation, please see section 2 of the NIPF Collections Policy.  Contributions and supporting remittance report(s) for the Affiliates, Officers and Employees Pension Plan are due at the end of the month following in which the work was performed.

When are we required to start contributing on new employees?

You should check your collective bargaining agreement or if you are unsure contact your contract technician at the Fund office. 

What contribution rate should we pay?

You should check your collective bargaining agreement or if you are unsure contact your contract technician at the Fund office. 

I am a new participating employer to the SEIU National Industry Pension Fund. What do I need to do to pay contributions?

You should check your collective bargaining agreement or if you are unsure contact your contract technician at the Fund office. 

What is withdrawal liability?

Withdrawal liability is an employer’s pro-rated portion of a pensions fund’s unfunded, vested benefits that would be due should that employer no longer have an obligation to contribute to the plan.  Please see the SEIU National Industry Pension Fund Withdrawal Liability Valuation in the NIPF Financial page for more information. 

How do you report contributions to the Fund?

Local and affiliates report contributions to the Fund by submitting a remittance report and corresponding payment to the Fund office’s lockbox address at:

S.E.I.U. Affiliates Fund
P.O. Box 841965
Boston, MA 02284-1965

If you would like to learn how to send payments electronically to the Fund office please send an email to Robin Sexton at robin.sexton@seiufunds.org

What type of information do I need to report to the Fund on a remittance report with payment?

A participating employer should report the following information for every employee every month:

Employee Full Name
Employee Full Social Security Number
Employee Birth Dates
Employee Hire Date
Employee Gender
Reported Salary

Please contact Robin Sexton at robin.sexton@seiufunds.org for more information or if you have any questions.

When are contributions due?

Contributions and supporting remittance report(s) for the Fund are due at the end of the month following in which the work was performed for which the contributions are owed.

Who should be reported on?

All “Full time” officers and employees should be reported on from date of hire.  “Full Time” means someone who is employed in a permanent position (including probationary periods) which calls for an annual rate of of $4,000.00 or more. Contributions are also required for any temporary or part-time employees who meet all of the following requirements:

1. Receive compensation in more than six months in any 12 month period, and
2. Earn $4,000.00 in any 12 month period, and
3. Work more than 60 days in any 12 month period.

Contributions for the employees meeting these requirements must be made retroactive to the beginning of the 12 month period involved.  Contributions for such employees must continue as long as employment continues, even if the amount of work drops below the contribution standard. 

What contribution rate should we pay?

Effective January 1, 2016 and beyond, the rate is 21% of employee salaries.

What documents do I need to apply for retirement?

We will need the following: 

  • your birth certificate
  • your spouse’s birth certificate and marriage certificate (if married)
  • any death certificates (if widowed)
  • any divorce decrees (if divorced)

How long is the application process?

The application process takes up to 90 days from when the application is complete.  An application is considered complete when all documents have been received.

Why haven’t I received my direct deposit into my bank account this month?

If you have not received your direct deposit after 60 days of submitting your direct deposit form, please contact the Fund and your bank.

How do I sign up for direct deposit?

Please submit and return the Fund’s Direct Deposit Form located in the forms tab of this website or request a form from the Fund.

How can I change my direct deposit?

Please submit a revised Direct Deposit Form form as soon as possible so that your benefits will not be delayed.

When are pension checks mailed?

All pension checks are mailed 1 to 2 days prior to the first day of the month. If you have direct deposit, your benefit check will be credited to your account on the first business day of the month.  If you have not received your check by the 10th of the month, please contact the Fund for a reissue.

I submitted my direct deposit form, but my check is still being mailed to me?

Please allow up to 60 days for your direct deposit to be established. You should expect to receive a paper check during this 60-day period.

Can I borrow against my Pension Plan?

No, the plan does not have a provision that would allow you to borrow from the Fund.

How much money do I have in the Fund?

Please request a copy of your Pension Service Credit Report, which will provide you with an estimated benefit amount payable as early as age 55, age 65 and in the event that you become disabled.  If you are over age 55 at the time of your request, the report will provide the estimated benefit amount as of your current age.

My Company is no longer contributing to the fund, how can I get my money?

If you are working for the same company, the benefits cannot be paid until you terminate employment or you are of retirement age.

Am I eligible to receive a lump sum?

You must apply for benefits, before the Fund can determine if you qualify for a lump sum benefit.

I worked for a company for many years, but the Fund can’t find me in system?

Your employer may not have been a contributor to this pension fund.  You should contact your Local Union or employer to confirm if your employer was required to contribute to the National Industry Pension Fund.  If you have obtained confirmation, please submit any supporting documentation to the Fund with a written request to research your eligibility for benefits.

I submitted my approval documents, when can I expect my first check?

Please allow up to 60 days for your first check to be issued.

How can I get a Spousal Waiver Form?

You will receive a spousal waiver form with your approval package.

If I do not want my spouse to receive my benefits upon my death, what do I need to do?

Your spouse would have to waive his/her rights to your benefits by signing a waiver or beneficiary/census form.

My benefits were suspended and I submitted my notarized statement. When will my benefits commence?

Please allow up to 60 days for your benefits to be reinstated.

I submitted a QDRO – when will I receive a response?

Please allow up to 180 days to receive a response for your QDRO.

When do I choose a payment option?

To help you make your election, the Pension Department will provide you with an explanation of the benefit options and amounts available to you.

Can I change my payment option?

Your elected option cannot be changed or altered for any reason once your benefits begin. However, prior to receiving your first benefit check, you may change your elected option. You will need spousal consent to elect a Single Lifetime Benefit.   In addition, your spouse could also revoke consent to your elected option before your benefits commence.

How will I know when my application has been approved?

You will receive a letter explaining your approved benefits or or you will receive a letter explaining why you are not eligible for benefits.

Can I continue to work part-time after I retire?

You must terminate/separate from any covered or non-covered employment before your benefit can commence.  If you are under age 65, you are permitted to work up to 500 hours per year without affecting your benefit payments.  If you are over age 65, you can work unlimited hours and your benefits will not be interrupted.  (You will be provided with a copy of the Rules on Working after Retirement once your benefits are approved).

I have not seen my spouse in 20 years, what do I do?

Federal law requires all pensions for married participants to be paid as a 50% spousal pension unless otherwise indicated. Therefore, you must provide all requested information before your application can be processed.

If I die, will my children receive my benefits?

The Fund will only pay benefits to a spouse.  If you are single at the time of your death, no benefits will be payable.

What age can I receive benefits?

Early Retirement Age is 55 and Normal Retirement Age is 65.  Please contact our office 4 to 6 months prior to your desired retirement date to apply for benefits. 

Can I receive a benefit if I’m disabled?

The Fund does have a disability retirement benefit.  Please submit a copy of your Social Security Administration entitlement letter to the Fund to determine eligibility.

Can I lose my benefits if I’m fired from my job?

Once you are vested, your benefits cannot be forfeited.  However, if you are terminated from employment prior to becoming vested you may lose your benefits.

Are monthly benefits taxable?

Yes.

If I continue to work, will I receive an adjustment in my benefits?

All benefits are reviewed for adjustment by the fall of the following year. (example 2014 credit hours are reviewed in the fall of 2015).  You will be advised in writing if you are eligible for an adjustment to your benefits.

What documents do I need to apply for retirement?

We will need the following:

  • your birth certificate
  • your spouse’s birth certificate and marriage certificate (if married)
  • any death certificates (if widowed)
  • any divorce decrees (if divorced)

How long is the application process?

The application process takes up to 90 days from when the application is complete.  An application is considered complete when all requested documents have been received.

Why haven’t I received my direct deposit into my bank this month?

If you have not received your direct deposit after 60 days of submitting your direct deposit form, please contact the Fund and your bank.

I submitted my direct deposit form, but my check is still being mailed to me?

Please allow up to 60 days for your direct deposit to be established. You should expect to receive a paper check during this 60-day period.

How do I sign up for direct deposit?

Please submit and return the Fund’s Direct Deposit Authorization form located in the forms tab of this website or request a form from the Fund.

How can I change my direct deposit?

Please submit a revised Direct Deposit Authorization form as soon as possible so that your benefits will not be delayed.

When are pension checks mailed?

All pension checks are mailed 1 to 2 days prior to the first day of the month. If you have direct deposit, your benefit check will be credited to your account on the first business day of the month. If you have not received your check by the 10th of the month, please contact the Fund for a reissue.

Can I borrow against my Pension Plan?

No, the plan does not have a provision that would allow you to borrow from the Fund.

How much money do I have in the Fund?

Please request a copy of your Pension Service Credit Report, which will provide you with an estimated benefit amount payable as early as age 55, age 65 and in the event that you become disabled.  If you are over age 55 at the time of your request, the report will provide the estimated benefit amount as of your current age.

Am I eligible to receive a lump sum?

You must apply for benefits, before the Fund can determine if you qualify for a full or partial lump sum benefit.

I submitted my approval documents, when can I expect my first check?

Please allow up to 60 days for your first check to be issued.

How can I get a Spousal Waiver Form?

You will receive a spousal waiver form with your approval package.

If I do not want my spouse to receive my benefits upon my death, what do I need to do?

Your spouse would have to waive his/her rights to your benefits by signing a waiver or beneficiary/census form.

I have not seen my spouse in 20 years, what do I do?

Federal Law requires all pensions to be paid as a 50% spousal pension unless otherwise indicated.  Therefore, you must provide all requested information before your application can be processed.

If I die, will my children receive my benefits?

The Fund will pay benefits to your elected beneficiary on file at the time of your passing.  If no beneficiary is named the fund will pay benefits in the following order:
1. spouse    
2. children    
3. parents    
4. siblings    
5. your estate.

My benefits were suspended and I submitted my notarized statement, when will my benefits commence?

Please allow up to 60 days for your benefits to be reinstated.

I submitted a QDRO – when will I receive a response?

Please allow up to 180 days to receive a response for your QDRO.

Can I change my payment option?

Your elected option cannot be changed or altered for any reason once your benefits begin. However, prior to receiving your first benefit check, you may change your elected option. You will need spousal consent to elect a Lifetime Benefit.   In addition, your spouse could also revoke consent to your elected option before your benefits commence.

How will I know when my application has been approved?

If you are not eligible for a benefit, you will receive a letter explaining why you are not eligible for benefits.

Can I continue to work part-time after I retire?

You must terminate/separate from employment from the Local Union before your benefit can commence.  If you are over age 65, you are permitted to work 40 hours per month without affecting your benefit payments.

At what age can I receive benefits?

Early Retirement Age is 55 or Age 50 if you qualify for the Rule of 80 (age plus service totals 80) and Normal Retirement Age is 65.  Please contact our office 4 to 6 months prior to your desired retirement date to apply for benefits.

Can I receive a benefit if I am disabled?

The Fund does have a disability retirement benefit.  Please submit a copy of your Social Security Administration entitlement letter to the Fund to determine eligibility.

Can I lose my benefits if I am fired from my job?

Once you are vested, your benefits cannot be forfeited.  However, if you are terminated from employment prior to becoming vested you may lose your benefits.

Are monthly benefits taxable?

Yes

Will I receive a Cost of Living Adjustments?

Yes, annual Cost of Living Adjustments are granted every January 1st, provided your benefits were in payment status for 6 months during the preceding year.

What documents do I need to apply for retirement?

We will need the following:

  • your birth certificate
  • your spouse’s birth certificate and marriage certificate (if married)
  • any death certificates (if widowed)
  • any divorce decrees (if divorced)

How long is the application process?

The application process takes up to 90 days from when the application is complete.  An application is considered complete when all requested documents have been received.

Why haven’t I received my direct deposit into my bank this month?

If you have not received your direct deposit after 60 days of submitting your direct deposit form, please contact the Fund and your bank.

I submitted my direct deposit form, but my check is still being mailed to me?

Please allow up to 60 days for your direct deposit to be established. You should expect to receive a paper check during this 60-day period.

How do I sign up for direct deposit?

Please submit and return the Fund’s Direct Deposit Authorization form located in the forms tab of this website or request a form from the Fund.

How can I change my direct deposit?

Please submit a revised Direct Deposit Authorization form as soon as possible so that your benefits will not be delayed.

When are pension checks mailed?

All pension checks are mailed 1 to 2 days prior to the first day of the month. If you have direct deposit, your benefit check will be credited to your account on the first business day of the month. If you have not received your check by the 10th of the month, please contact the Fund for a reissue.

Can I borrow against my Pension Plan?

No, the plan does not have a provision that would allow you to borrow from the Fund.

How much money do I have in the Fund?

Please request a copy of your Pension Service Credit Report, which will provide you with an estimated benefit amount payable as early as age 55, age 65 and in the event that you become disabled.  If you are over age 55 at the time of your request, the report will provide the estimated benefit amount as of your current age.

Am I eligible to receive a lump sum?

You must apply for benefits, before the Fund can determine if you qualify for a full or partial lump sum benefit.

I have not seen my spouse in 20 years, what do I do?

Federal Law requires all pensions to be paid as a 50% spousal pension unless otherwise indicated.  Therefore, you must provide all requested information before your application can be processed.

If I do not want my spouse to receive my benefits upon my death, what do I need to do?

Your spouse would have to waive his/her rights to your benefits by signing a waiver or beneficiary/census form.

How can I get a Spousal Waiver Form?

You will receive a spousal waiver form with your approval package.

I submitted my approval documents, when can I expect my first check?

Please allow up to 60 days for your first check to be issued.

My benefits were suspended and I submitted my notarized statement. When will my benefits commence?

Please allow up to 60 days for your benefits to be reinstated.

I submitted a QDRO – when will I receive a response?

Please allow up to 180 days to receive a response for your QDRO.

If I die, will my children receive my benefits?

The Fund will pay benefits to your elected beneficiary on file at the time of your passing.  If no beneficiary is named the Fund will pay benefits in the following order:
1. spouse    
2. children    
3. parents    
4. siblings    
5. your estate.

Can I change my payment option?

Your elected option cannot be changed or altered for any reason once your benefits begin. However, prior to receiving your first benefit check, you may change your elected option. You will need spousal consent to elect a Lifetime Benefit.   In addition, your spouse could also revoke consent to your elected option before your benefits commence.

How will I know when my application has been approved?

If you are not eligible for a benefit, you will receive a letter explaining why you are not eligible for benefits.

What age can I receive benefits?

Early Retirement Age is 55 or Age 50 if you qualify for the Rule of 90 (age plus service totals 90) and Normal Retirement Age is 65.  Please contact the Fund 4 to 6 months prior to your desired retirement date to apply for benefits.

Can I continue to work part-time after I retire?

You must terminate/separate from employment from the Local Union before your benefit can commence.  If you are over  age 65, you are permitted to work 40 hours per month without affecting your benefit payments.

Can I receive a benefit if I am disabled?

The Fund does not have a disability retirement benefit.

Can I lose my benefits if I am fired from my job?

Once you are vested, your benefits cannot be forfeited.  However, if you are terminated from employment prior to becoming vested you may lose your benefits.

Are monthly benefits taxable?

Yes.

Will I receive a Cost of Living Adjustments?

Yes, annual Cost of Living Adjustments are granted every January 1st, provided your benefits were in payment status for 6 months during the preceding year.

I’m an SEIU member; however I do not see my employer on the list of participating employers. How do I determine if I have healthcare benefits?

Some SEIU members receive benefits through other SEIU Funds or through an employer sponsored plan. Contact your employer or your local SEIU Union to determine if you have coverage.

How long will my benefits be in effect after my employment terminates?

Coverage terminates on the last day of the month in which your employment ends. After your coverage terminates, the Fund will send you a COBRA election package.

Who do I contact if I need a replacement ID card?

Contact your healthcare vendor to request a replacement ID card.

How do I report an address change?

Contact the Fund and your employer to report a change of address.

Who pays for my coverage?

Your employer makes a monthly contribution to the Fund.  Some CBA’s require the participant to pay a portion of the contribution for participant coverage and (or) dependent coverage. The participant’s cost is deducted through payroll deductions.  The participant does not make payments to the Fund.  Some CBA's require the employer to pay the entire contribution for the participant and dependent coverage.  In these situations, there is no cost to the participant.

How long can I cover my children under the plan?

If your plan allows for coverage of children, they are covered until the last day of the month in which they turn age 26.  Children do not have to be students, unmarried, financially dependent or living with their parents in order to be covered.

I just got married. Can I add my spouse to my plan?

You can enroll your spouse if your plan allows for spousal coverage.  You will need to complete a new enrollment form and return it to your employer within 60 days of your marriage along with a copy of your marriage certificate.  Your employer will submit your enrollment form and marriage certificate to the Fund office.  Please keep a copy of the form for your records.  Your employer may require a higher payroll deduction to add a spouse to your plan.

I just had a baby. Is my newborn child covered under my plan?

You can enroll your newborn child if your plan allows for coverage of dependent children.  You will need to complete a new enrollment form and return it to your employer within 60 days of your child’s birth.  Your employer will submit your enrollment form to the Fund office.  Please keep a copy of the form for your records.  Your employer may require a higher payroll deduction to add child(ren) to your plan.

Can I enroll my dependents?

Refer to your CBA or contact the Fund office for information regarding dependent eligibility.  Some CBA's cover the participant only.  Some CBA's cover the participant and children, but not the spouse and some cover the participant, the spouse and children.  Your employer may require a higher payroll deduction to add child(ren) to your plan.

How do I terminate my coverage?

Once enrolled, you can only terminate your coverage during your open enrollment period unless you have a qualifying event.

When do I become eligible for benefits?

Refer to your Collective Bargaining Agreement (CBA) or contact your employer or local union. Generally, benefits are effective on the first day of the month following your date of hire or the first day of the month following a waiting period which is specified in your CBA.

When can I enroll for coverage?

You must enroll within 60 days of the date you first become eligible for coverage. Otherwise, you can only enroll during the annual open enrollment period.  Check with your employer, union or contact the Fund for information about your open enrollment period.

I’m enrolled for coverage through the Fund. How do I determine what is covered under my benefit plan?

Click on the “What are my benefits” on the Health & Welfare Home page.  Start entering the name of your Employer.  Find your Employer name and click on it and then click "Next".  Under Documents there is a drop-down list of documents associated with your employer.  Select Benefits Summary and open the link to see what your coverage is.
faq_banner