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Benefits

All Members

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IBEW Local 288 benefits are overseen by Labor Management Cooperative Committees and jointly administered by a board of trustees. Each board of trustees is made up of an equal number of Union Trustees and Employer Trustees.

Health Insurance:

Dakotas Health Plan
P.O. Box 1951
Fargo, ND 58107
800-995-4600

Coverage

For each hour worked, the contributing employer pays the rate in effect at the time the hours are worked. Also known as the Health and Welfare Fund, it provides coverage for the employee that consists of:

  • Life
  • Accidental Death and Dismemberment
  • Comprehensive Major Medical
  • Prescription Drug Discount Program
  • Accident and Sickness Weekly Disability Benefits

The benefit also includes Family Coverage, which provides Comprehensive Major Medical and the Prescription Drug Program for spouses and dependent children.

No Exam Required

No medical examination is required to become covered under the fund.

How it Works

For each hour worked, the employer pays an amount into the fund the following month. The amount is determined by multiplying the number of hours worked times the contribution rate in effect at the time. In the subsequent month, the health plan processes these funds for coverage the succeeding month in which a full monthly premium has been received.

An example

Example: Hours worked in June would be paid by the 15th day of July. The funds are then processed in August for coverage starting September 1, assuming 160 hours were worked in the month of June. If less than a full month of premium has been worked, an additional month would be needed for coverage to start.

Eligibility

To remain eligible, you must work at least an amount that equals or exceeds the monthly premium. This would be 160 hours or more. You may elect to continue coverage under the Self-Payment Provisions.

There is no penalty for additional hours worked. Each employee has a dollar bank in which additional credits will be kept. If an employee works any overtime, these dollars will be held for later use.

Flex Plan

Flex Plan participation is available for covered employees who have more than 3 months of coverage in their dollar bank. Refer to the Dakotas Health Plan Summary Plan Description Booklet for additional details.

National Pension:

National Electrical Benefit Funds (NEBF)
2400 Research Blvd., Ste. 500
Rockville, MD 20850-3266
301-556-4300

For each hour worked, the contributing employer pays the rate in effect at the time the hours are worked. The NEBF is a defined benefit fund that provides eligible employees with monthly retirement benefits. Benefits are paid in the form of normal retirement, early retirement benefits, total and permanent disability benefits, or in the case of death of the employee – a surviving spouse benefit.

The employee will become vested upon working 300 or more hours per calendar year for a period of 5 years. Normal retirement age is 65 with less than 10 years of vesting credits, and age 62 with 10 or more years of vesting credits.

Local Pension Plan:

Principal Financial Group
800-543-4015

For each hour worked, the contributing employer pays the rate in effect at the time hours are worked. The local pension plan is a defined contribution benefit fund that provides eligible employees with a life annuity, flexible payout or a lump sum option. Benefits are paid in the form of normal retirement benefits, early retirement benefits, total and permanent disability benefits, or in the case of death of the employee – a designated beneficiary benefit.

Employer contributions are sent monthly to Principal Financial Group and are deposited directly into the employee’s self-directed account. The employee can then invest the contribution in the investment options made available through the plan investment approved by the board of trustees.

Vacation/Holiday Accounts:

Mason City Area Agreement ONLY

For each hour worked, the contributing employer pays the rate in effect at the time hours are worked. The Local Vacation/Holiday Account is an employer-contribution fund that is deposited at a designated depository. Contributions shall be treated as wages for purposes of federal and state tax withholdings and payment of Social Security (FICA) tax.

Employer contributions are sent monthly to the selected depository and distributed to the employee four times annually. On February 15, May 15, August 15 and November 15, the balance of funds – including any interest earned – is forwarded to the employee at their registered address.