Benefits

Construction members and Retired members Life Insurance -as of June 1, 2023 all active construction members and all retirees are eligible for the Downstate Illinois Laborers' District Council group life insurance policy of $2,000.00 with an additional $2,000.00 accidental policy. (This insurance does include our active non-construction membership). Member must be in good standing at the time of his/her passing. To designate a beneficiary, please complete the attached form and mail it to our office.  

Laborers National Pension Fund (LNPF). For more than 45 years, Laborers’ have been provided with retirement income security for workers of the public sector, industrial, and railroad who are represented by the Laborers’ International Union of North America (LIUNA).

Over the years, LNPF has grown from 274 pensioners in 1970 to over 20,000 pensioners and beneficiaries. LNPF has expanded benefits to include occupational disability, 30-year service pension and unparalleled benefits in all types of pensions paid. Benefits and administrative expenses are funded through collectively bargained employer contributions and investments. 

The Southern Illinois Laborers' & Employers Health & Welfare Fund offers medical, dental, vision, prescription, retiree and death benefits. The benefits you receive are determined by the plan of benefits and contribution rates negotiated in the collective bargaining agreement that covers your place of employment.

Please refer to your Summary Plan Description to determine the level of benefits that you receive.

Railroad Maintenance and Health and Welfare Fund Railroad Laborers and Operators that are covered by the RTOA agreement are covered by health care through the Railroad Maintenance and Industrial Health and Welfare Fund.

RTOA contractors' are enrolled in Plan D of the Health and Welfare Fund for Zones 1-4; Zone 5 is covered by Plan C. To become eligible for health and welfare benefits, an employee must work 300 hours per month to remain eligible. There is a 1,000 hour rollback in a 12 month period; this means if within the previous 12 months an employee has worked at least 1,000 hours they remain eligible for health and welfare benefits. Note that this is not determined in a calendar year it is a 12 month rolling period. The coverage will continue for a maximum of 4 months when using the 1,000 hour rollback to determine eligibility for health benefits.

Central Laborers Pension Welfare and Annuity Fund for Construction Members and Hulcher Services Employees In the year 2016, the Central Laborers' Pension Fund has provided 51 years of commitment to active and retired laborers. The Pension Fund was established in 1965 to help provide financial security to laborers (LIUNA) during retirement.  

The Pension Fund is a Taft-Hartley Trust Fund managed by eight Labor and eight Management Trustees who have an equal vote and serve without fees or compensation. The Trustees work together to build a secure future for you and your family. The Trustees also maintain a conservative investment strategy, diversifying investments so as not to expose assets to unnecessary risks. The Pension Plan is financed entirely by employer contributions negotiated through the collective bargaining process and investment income.

American Income Life Insurance Accidental Death & Dismemberment-all current active members in good standing are covered for a $4000 accidental and dismemberment benefit from American Income Life Insurance Company. This benefit is being provided at no cost to the member.  This accidental death benefit is provided to the survivors or to the estate of all active Local 773 members whose death or injury is a result of accident and ruled an accident by the Insurance Carrier. If you would like more information about this benefit please call American Income Life Insurance Company at 1-800-495-1213.