UWUA National Health & Welfare Fund

Health care is expensive...but the UWUA has a plan to make health care dollars go further

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What is the Fund and What Does it Do?

The UWUA National Health & Welfare Fund is a multiemployer plan established under the authority of the federal Taft-Hartley Act and the Employee Retirement Income Security Act (ERISA).  It is open to UWUA bargaining groups and to other bargaining groups that participate in joint bargaining with UWUA units.  The Fund was established in 2003 to provide a way for bargaining groups to accumulate funding for health benefits in a trust that is jointly-controlled by labor and employer representatives.  The Fund is governed by a Board of Trustees, which consists of an equal number of employer union representatives.  The Trustees have a legal responsibility to establish and maintain benefit plans, manage these plans, and prudently invest Fund assets.

  • The trust is a qualified non-profit organization and is exempt from income taxes under Section 501(c) (9) of the Internal Revenue Code.
  • The trust currently provides healthcare, vision, dental, life, AD&D, LTD, HRA and VEBA related insurance benefits from national vendors to more than 7,500 trust participants and their beneficiaries. All benefit delivery programs are capable of delivering benefit services on a national scale.
    Participating employers include Dominion, American Water, Peoples Natural Gas, Maverick Const., Utility Lines Const. Services, Hydaker-Wheatlake, Boston Generating Company, and Union- Built PC.
  • Participating unions include the IBEW, USW, and the UWUA.
  • Pooled benefit purchasing utilizing a Multi-Employer Health and Welfare Trust Fund promotes cost efficiencies (economies of scale), by allowing for the negotiating of the best rates, and by spreading costs among many employers and participants.
  • Trust assets can be accumulated to address future benefit delivery needs, while trust investment earnings are NOT subject to taxation.
  • The trust’s vision and dental benefits are currently self-insured.
  • The trust is administered by an eight-member Board of Trustees, composed of an equal number of union and employer representatives.
  • The trust has a “flat” and extremely efficient administrative structure. The trustees are responsible for all administrative, financial, and benefit procurement decisions relative to the trust’s assets. Required prior action, due diligence, and UWUA National Trust Funds professional input is received from the trust’s contracted legal, accounting, investment, and administrative professionals.

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Utility Workers’ Union of America
Fringe Benefit Funds

6525 Centurion Drive
Lansing, MI 48917-9275
Phone: 517.321.7502
Fax: 517.321.7508

For more information, visit www.uwuabenefits.org