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Painters Union Insurance, Pension and Vacation Funds
Welcome to the Painters Union Insurance, Pension and Vacation Funds
About the Fund
The name of the Plan is the Painter's Union Insurance, Pension & Vacation Funds.
The Insurance Fund includes the following benefits:
- Care Benefits (medical, prescription drug, dental and vision)*
- Benefits and Accidental Death and Dismemberment benefits*
- Short-Term Disability benefits*
The Pension Fund provides the following benefits:
- A normal pension at age 64*
- A reduced early retirement benefit if you are at least 59 and have completed the minimum service requirement*
- If you retire early, on or after June 1, 2006, and after attaining age 55 you will receive an unreduced normal retirement benefit provided your age plus years of Credited Service equal or exceeds 85*
- A disability pension if you are an active participant and you are permanently and totally disabled and have completed the minimum service requirement*
- A deferred vested retirement benefit if you leave the industry without retiring but have completed the minimum service requirement*
- A lump-sum cash withdrawal benefit if you aren't 64, don't meet the minimum service requirement for a retirement benefit and have completed at least 2 years but less than 5 years of Credited Service*
*Please call the Fund Office (248) 358-3340 if you have any questions
Benefits
We are pleased to welcome you to the new website for the Painters Union Insurance, Pension and Vacation Funds. You can have access 24 hours a day and 7 days a week to frequently asked questions, change of address forms and useful links. As always, please call our office at (248) 358-3340 if you have any additional questions.
Medical
Your Medical network is provided by Cofinity (for services inside the state of Michigan) and Cofinity/First Health (for services outside the state of Michigan). To get the most out of your benefits, it is best to use a provider that participates in these networks. To locate a provider, you may click on the link provided on this website.
Prescription
Your prescription benefit network is provided by EmpiRx. To get the most out of your benefit it is best to use a provider that participates in the EmpiRx network. To locate a provider, you may click on the link provided on this website.
Dental
Your dental benefit is provided by Dentemax. To get the most out of your benefit it is best to use a provider that participates in the Dentemax network. To locate a provider, you may click on the link provided on this website.
Vision
Your vision benefit is provided by NVA. To get the most out of your benefit it is best to use a provider that participates in the NVA network. To locate a provider, you may click on the link provided on this website.
FAQs
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If you are a Painter/Taper, you become eligible for benefits under each plan on the first day of the month following the month during which you are credited with employer contributions for 325 or more hours of work. The 325 hours of work must occur within a period of no more than five consecutive months. In any event, you must wait 90 days from the date you are first employed by a Contributing Employer before you are eligible for benefits; your coverage will then begin on the first day of the following month.
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Once you are covered by these plans, you must continue to meet certain requirements to remain eligible for the benefits offered by each plan. If you are a Painter/Taper, you will continue to be eligible for benefits provided you are credited with contributions for 130 or more hours of work each month. In addition, you must continue to work in the industry within the jurisdiction of Painters District Council 1M. If you do not have 130 or more hours, you will lose coverage unless you have accumulated hours in your bank, or you continue to pay for coverage on an after-tax basis (contact Fund Office for more clarification.)
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Under the Health Care Plan, your eligible dependents include:
- Your legal spouse as defined under federal law;
- Your children under 26 (including natural children, adopted children, children legally placed for adoption and stepchildren);
- Any other children under age 26 who live with you and for whom you are a legal guardian (as evidenced by a court order); and
- A child for whom you are required to provide health coverage pursuant to a Qualified Medical Child Support Order
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Yes. You must provide a copy of your marriage certificate (not license) if you are enrolling your spouse, and the copy of the birth certificate, adoption papers, or other proof of dependency for any dependent children you are enrolling.
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You must provide a copy of the divorce decree. Coverage for your spouse will be terminated as of the date of the divorce stated in the decree. If a Qualified Domestic Relations Order is in place (for Pension), the trustees have established procedures to determine if it is acceptable to the Fund.
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The safety of the Pension Plan benefits is insured, within certain limitations, by the Pension Benefit Guaranty Corporation (PBGC).
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You can apply for a Pension Benefit by contacting the Pension Fund Office at least 30 days before you want to retire. You will be told how to apply for benefits. You will be asked to supply a copy of your birth certificate and if married, a copy of your spouse's birth certificate as well as your marriage certificate.
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The Pension Plan provides protection for your spouse or beneficiary. Different benefits and different rules apply depending on whether your death occurs before or after you begin receiving retirement benefits. Please contact the Pension Fund for further information.
Machine-Readable Files
Painters Union Insurance, Pension and Vacation Funds has been actively working with Integrated Payor Solutions to support the required capabilities for applicable provisions of the final Transparency in Coverage Rule.
In accordance with the public transparency disclosure requirement, we are releasing the following machine-readable files (MRF).
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