From the Trustees
To: All Plan Participants
As Trustees of your Health & Welfare Fund, we have always tried to provide the very best
benefits. In 1999, the Fund introduced “Choice Benefits,” with the goal of offering benefit
programs that best meet your personal family situation. In April, 1999 we expanded the Retirement
401(k) plan to allow you to make your own contributions through convenient payroll deduction.
The Choice plan met our expectations for the first two years with a number of members electing
to participate in the Keystone Point of Service plan or the Dual Income option.
This year we hope to increase participation in Choice Benefits. Think about your health care
and other personal financial requirements and review the available benefit options that can
help you meet those requirements.
With health care cost increases hitting double digits, we ask you to choose
the medical plan that best fits your personal health care needs. We hope
those of you who chose to maintain your same benefits will consider the
options available to you for the year 2014
If you have other medical coverage, through your spouse or other employer, consider the Dual
Income option. That way you have not only the medical protection you need; you also have extra
dollars to help meet your other benefit needs.
If you don’t have other medical coverage, consider the Keystone Point of Service Plan.
(You must live in access to Keystone Point of Service Plan provider to
enroll in this plan. Please call the Fund office at (610) 941-9400 for
information). The Point
of Service plan provides a high level of benefits and still frees up some dollars for you to
use for other benefits.
We continue to review our benefit program to assure quality, promote choice, manage the cost
of health care and meet your individual needs effectively. Finding ways to get the most from
our benefit plans is important to all of us. Read this information, share it with your family.
Help us to use available benefit dollars as wisely as possible.