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Benefits / About

What are the Carpenters' Benefit Trust Funds?
The Carpenters' Benefit Trust Funds consist of a Health and Welfare Fund, Pension Fund, Vacation Fund and an Annuity Fund. Each Trust Fund is a not-for-profit organization under Internal Revenue Service (IRS) guidelines. The purpose of each Fund is to provide specific benefits to eligible members of the Carpenters' Union. As a not-for-profit Trust under federal law, all assets of the Funds must be used to provide those benefits.

Who is in charge of administering the Benefit Trust Funds?
Each Benefit Trust Fund is governed by a Board of Trustees. The Board of Trustees is made up of one-half Employers and one-half Labor Representatives. They are responsible for overseeing the financial strength of the plan, making sure the plan complies with all applicable laws and regulations, and for determining the benefits available for eligible participants.

Carpenters' Benefit Funds Office is a member-service not-for-profit that administers multiple benefit plans for union carpenters and their families in Southern Illinois, Missouri, and Kansas. While seeking to improve accessibility and quality of service, the Benefit Funds Office partners with the union, employers, and members to provide life changing benefits.

How are the Benefit Trust Funds funded?
Your health, pension, vacation and annuity benefits are a result of the Collective Bargaining Agreement (CBA) between signatory contractors and the Carpenters Regional Council (CRC). Within the CBA, a portion of the overall wage package negotiated between the employer and the CRC is dedicated to benefits. For example, in 2021, if the Journeyman wage package is $40.37, the breakdown of the employer paid benefits contributions include: $7.72 for health & welfare, $9.35 for pension and $0.70 for annuity.
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