Carpenter Funds Administrative Office of Northern California, Inc.

I can withdraw my money

Please visit our website for information on how to withdraw your annuity funds. You can also contact the Fund at (888) 547-2054 to speak with a Bench Analyst about your annuity account.

Hello, please contact our office at (888) 547-2054 for further assistance. We maintain the benefits for Union Carpenters. If you were a part of a Laborers Union, you may need to contact their Trust Fund.

If a participant is in receipt of a pension from the Carpenters Pension Trust Fund for Northern California and all required paperwork has been received, the following applies: If the 1st of the month falls on a Saturday or Sunday, your check will be deposited on the Friday before your normal pay day. If the 1st falls on a Holiday, the check will be deposited on the day before the Holiday. If you receive a check, your check will be mailed 2 business days before your normal pay day.

Under the Carpenters Health and Welfare Plan, the carrier selected by the Participant will also apply to any eligible Dependents of the Participant. Participants are not permitted to split the carrier type within their family. Please feel free to contact us directly to discuss further details regarding your carrier enrollment.

Yes you can receive a check

Yes. Please see our website for more information on establishing a reciprocal transfer. https://carpenterfunds.com/life-events/?l_id=73

Your quarterly statement will have your work history for the past 12 months. You can also inquire about personal information, such as work hours, by calling the Trust Fund and speak with an Analyst. Coming in July, you'll be able to login into our participant portal to view your work history as well. Watch for more details regarding this in the mail in the near future.

Yes, a Participant may request an early vacation after July providing the Participant has Vacation or Sick Leave funds to withdraw. Starting July 1, 2019, a Participant may withdraw Vacation or Sick Leave funds twice without a processing fee. However, a third or more Early Vacation or Sick Leave Withdrawal will be subject to a $150 processing fee.

Please contact the nearest local carpentiros union. http://www.nccrc.org/local-unions.html Please contact the nearest Carpenters local union.

Sample QDROs for the Annuity and Pension Trust Funds are available on our website at: https://cfao.org/forms-and-documents/ (look under the Reference category for the Fund you want to prepare a QDRO for) or you can contact us to request samples be sent to you.

As per Plan Rules, in order for a distribution to be made pursuant to child or spousal support QDRO (Qualified Domestic Relations Order), the Participant must be eligible for Retirement Status under the Plan. If you need further assistance regarding this issue please contact us directly.

To be deemed Retired before age 55, a Pensioner must refrain from employment or self-employment for wages or profit in an industry in which Employees were employed and accrued benefits under the Plan, in a trade or craft in which the Pensioner was employed at any time under the Plan, & in the Building and Construction Industry. This makes work as a superintendent or project manager Prohibited under the Carpenters Pension Trust Fund before age 55. Provided IRS separation from service rules and all other guidelines are met the following is permitted by the Pension Trust Fund for Retirees age 55+: -Retirees who perform or supervise work covered by the Collective Bargaining Agreement (like a superintendent) within the 46 Northern California Counties for an employer that is signatory to the Collective Bargaining Agreement (CBA), may work up to 480 hours per calendar year. - Retirees may work in a Non-CBA Covered position, like Project Manager, for a signatory company without restriction.

Visit our website for more information on how to withdraw your money or contact the Trust Fund Office for more information. Retirement of annuities: https://www.carpenterfunds.com/jubilacion/anualidad/reglas-para-el-deseburgo/ Early retirement on vacation: https://www.carpenterfunds.com/retirement/annualidad/reglas-para-el-deimbursement/ 401 (k) plan: https://www.carpenterfunds.com//retirement/plan-401k/payment-options/

Health Dynamics provides a free, comprehensive physical exam to eligible Participants and spouses enrolled in the Carpenters Health and Welfare Trust Fund for California Active and non-Medicare Retiree Indemnity plans. If you are an eligible participant or spouse you can contact (866) 443-0164 to make an appointment. Questions regarding eligibility for this and other benefits should be directed to the Trust Fund Office. This benefit is not currently available for Medicare eligible participants and dependents.

The Carpenters Health and Welfare Trust Fund for California’s health plans do not currently provide benefits for gym memberships. Please feel free to contact us regarding any other health benefits you may have questions about.

In CA you own 50% of it.