Annuity Fund – Participants: We are pleased to present you with this revised booklet summarizing key features of your Local 43 Annuity Plan. In addition to retirement, the Fund provides benefits in the event of death, disability, or separation from the electrical industry. Loans and Hardship Withdrawals may be available for specific needs such as college education or a home remodel. Because this summary cannot cover every detail of the Plan provisions, we encourage you to carefully review the full Plan document to understand your rights and responsibilities listed within. If you have questions, please contact the Annuity Fund Office at 315-474-5729.

Pension Fund – We are pleased to present you with this booklet, commonly called the Summary Plan Description, which outlines the important features of your Pension Plan. While it summarizes key benefits, it cannot include every detail or answer all questions. We strongly encourage you to review the full Plan documents very carefully to be fully aware of your rights and responsibilities. This booklet is intended to provide a clear overview of what you can expect and how the Plan works. Staying informed about your benefits will help you plan for your future with confidence. If you have any questions, please contact the Pension Fund Office at 315-474-5729.

Welfare Fund – Dear Participant: This booklet describes the International Brotherhood of Electrical Workers Local No. 43 and Electrical Contractors Welfare Fund as of January 1, 2023. Since the last edition, there have been several changes to the Plan. We encourage you to review this booklet and familiarize yourself with the Benefits available to you and your family. Detailed descriptions of Benefits, along with eligibility requirements for each participant will be included. These and other important topics are covered in 13 sections throughout the booklet. If you have any questions, please contact the Pension Fund Office at 315-474-5729.