The National Roofers Union and Employers Joint Health and Welfare Fund was formed subject to collective bargaining agreements by and
between various local unions of the United Union of Roofers, Waterproofers, and Allied Workers and employers in the roofing industry.
Due to economies of scale and a mobile workforce, the collective bargaining parties designed the Fund as a “multiemployer” Fund so
that workers for the unionized employers in the industry could be covered by one health benefit program.
Under the multiemployer trust fund arrangement, industry employers make contributions to the Fund, in amounts required by the Collective
Bargaining Agreements, on behalf of employees working under those agreements. These contributions are just a part of the overall
wage/benefit package negotiated by the union and the employers. The Fund’s Board of Trustees, which consists of industry labor
and management leaders, receives the contributions, holds them in trust to pay benefits and administrative expenses, and invests
the reserves for the future.
To clarify the work necessary for an employee to be eligible for benefits, and to specify the benefits available, the Board of Trustees
has adopted Benefit Rules governing the provision of benefits. These Benefit Rules represent the efforts of the Trustees to secure the
best benefits possible for the largest number of employees and dependents. The Benefit Rules for the Plan are reproduced in the
Summary Plan Description.
The Fund is not an insurance company that returns profits to its investors. The Fund uses all contributions and earnings either
to provide benefits to employees and their dependents or to pay necessary expenses.
The Trustees of the National Roofers Union & Employers Joint Health & Welfare Fund hire Wilson-McShane Corporation to perform various
functions associated with administration of the Fund. This includes processing medical claims, dental claims, vision claims, and disability
income benefits as well as eligibility administration and employer contribution processing. The Plan also contracts with a variety
of other Service Providers, such as Cigna.
Cigna is the Plan’s Medical Preferred Provider Organization (“PPO”). The Plan contracts with Cigna to utilize their network of providers
and doctors. Using the Cigna network, the Plan receives significant discounts on incurred claims. CIGNA also provides utilization & disease
management as well as a prescription drug program.
If you have questions regarding your benefits, please contact the Fund office, Wilson-McShane Corporation, at:
3001 Metro Drive, Suite 500
Bloomington, MN 55425
Toll Free: (800) 622-8780 or (952) 854-0795
Fax: (952) 854-1632
Claims Fax: (952) 851-3521