Frequently Asked Questions

Frequently Asked Questions

Laborers’ Local Union 1191 is committed to protect and improve the quality and security of our members’ working conditions and personal lives through pro-active representation, effective political action, and open communication, supported by education and training programs designed to empower Union members.

HOW ARE MY BENEFITS FUNDED?

Employer contributions are the primary source of financing for the benefits provided under the Health Care Fund and for Fund operation expenses.

WHAT ARE THE FUND’S ELIGIBILITY REQUIREMENTS?

Initial eligibility requires 700 hours of contributions within six (6) months or less. There is a one (1) month bookkeeping period in which you are not eligible. You will become eligible the month following the bookkeeping period. Initial eligibility provides one (1) month of coverage.

Continuing eligibility requires 350 hours of employer contributions within three (3) consecutive months or less.

There is a one (1) month bookkeeping period in which you are not eligible. You will be eligible the month following the bookkeeping period and remain eligible for three (3) months.

Annual eligibility requires 1,200 hours within twelve (12) consecutive months or less. There is a one (1) month bookkeeping period in which you are not eligible. You will be eligible the month following the bookkeeping period and remain eligible for up to three (3) months. (Annual eligibility runs concurrent with the continuing rule).

HOW CAN I ADD MY DEPENDENTS TO THE PLAN?

Complete a “Membership and Record Change Form” and submit copies of marriage, birth certificates and spouses social security number.

HOW DO I BECOME A PARTICIPANT?

You become an Active Participant in the Plan after you have been credited with at least 870 Hours of Work in 12 consecutive months. If you do not earn 870 Hours of Work in the first 12 months you work, the starting date for your eligibility period is rolled forward, month by month, until you earn 870 Hours of Work in 12 consecutive months.

WHAT IS THE PLAN YEAR?

It is the 12-month period beginning each September 1st and ending the next August 31st.

How DO I BECOME ENTITLED TO BENEFITS?

To be entitled to Pension Benefits, a Participant must attain Vested Status.

WHAT IS VESTING?

An Active Participant is Vested when he has attained at least 5 Years of Service.

WHAT IS A YEAR OF SERVICE?

A Year of Service is credit given for 870 Hours of Work in a Plan Year. However, if you work less than 870 Hours of Work, you will be credited with a partial Year of Service.

WHEN CAN I RETIRE?

You can retire when you meet the eligibility requirements for retirement.
However in general, normal retirement age is 60 with 5 Years of Service and early retirement age is 55 with 10 Years of Service. Please note that the early retirement benefits are reduced from age 60 for the early commencement of this Benefit.

The Plan also provides Unreduced Early Retirement Benefits under the provisions of Index 85 and “30 Years and Out.”

CAN I TAKE CASH DISTRIBUTION?

No. The Pension Fund is set up to pay monthly pension benefits to eligible Participants.

HOW OFTEN IS THERE A VACATION DISTRIBUTION?

The vacation distribution is done semi-annually.

WHAT DAY WILL VACATION CHECKS BE MAILED OUT?

Your first vacation benefit checks would be mailed the last week in May and the second would be mailed the last week in November.

CAN I GET MY VACATION MONEY EARLY IF I AM NOT WORKING ANYMORE?

No. vacation checks are not mailed out early unless it is for a death benefit or the member has been inducted into the military

WHAT WORK MONTHS ARE INCLUDED IN MY VACATION CHECK?

1) First Distribution - Vacation benefit checks are for the prior October through March of the current year if contributions are paid by the contractor prior to April 30. JUNE DISTRIBUTION

2) Second Distribution - Vacation benefit checks are from April through September of the current year if contributions are paid by the contractor prior to October 31. DECEMBER DISTRIBUTION

IF MY HOURS ARE TURNED IN LATE. WILL I STILL GET MY VACATION MONEY?

If approved by the Board of Trustees, there will be a late distribution

CAN I GIVE YOU MY ADDRESS CHANGE OVER THE PHONE?

No, for security reasons, you must call your Local Union to change your address

CAN SPOUSES OR FRIENDS FIND OUT VACATION AMOUNTS?

No, the member must call the vacation Fund Office.

CAN YOU TELL ME MY AMOUNT OF D & V (LABORERS’ METRO) VACATION?

No,you should call BeneSys to obtain this information (248-822-4142).

MONEY WAS DEDUCTED FROM MY PAYCHECK, BUT I DIDN’T RECEIVE A CHECK?

Chances are a check was not sent out because we do not have an address and/or a dues card on file. You should call the Local Union in the area you live or work in.

WHO WE ARE?

Michigan Laborers Training and Apprenticeship Institute (MLTAJ) is a non-profit training facility that is jointly administered by management and union laborers’.

WHERE ARE WE?

There are three state-of-the-art MLTAI locations to serve the training needs of Michigan’s Laborers

***WAYNE SITE - 5555 Cogsweli St., Wayne, MI 481&i (734) 729-7005
***PERRY SITE - 11155 S. Beardslee Rd., Perry, MI 48872 (517) 625-4919
***IRON MOUNTAIN - W-8008 South US 2, Iron Mountain Ml 49801 (906) 774 5703

WHAT DOES IT COST?

MLTAI offers this training to Union Construction Craft Laborers’ completely free of Charge. In fact, Laborers’ who attend training may receive a travel allowance to help offset travel expenses.

WHAT IS OUR GOAL?

It is the goal of MLTAI to satisfy the training needs of Construction Craft Laborers’, Local Laborer Unions and Contractors alike. To accomplish this goal, MLTAI develops specific courses as needed, and if necessary will take the training to the Laborers’ by way of satellite courses.

HOW DO I GET IN CLASS?

Go to our website WWW.MLTAI.COM and fill out class applications. I would fill out no more than three or four applications at a time. We started that process to cut down on all the paper we use. This way it’s all done electronically. You don’t have to call the training center to find out if we have your application. When you first enter your application it will say summited once it says pending we have it.