The New York City District Council of Carpenters Welfare Fund provides a comprehensive package of benefits that include:

• Health care coverage with medical, prescription drug, and hearing benefits, as well as dental and vision benefits.
• Disability benefits that help protect you in the event that illness or injury prevents you from working.
• A life insurance benefit that helps to protect your family in the event of your death.

*Please Note- Effective as of October 1, 2013, all participants are required to fill out two separate beneficiary forms. One form, which comes from the Fund Office, designates a beneficiary for your Pension and Welfare benefits. The second form, which comes from Empower, designates a beneficiary for your Annuity benefits. If you have only completed one of these forms, your beneficiary designation will not carry over for both. Instead, your benefit for the form you have not completed will be paid out in the manner stated in the appropriate Summary Plan Description (“SPD”). Further, if you have failed to complete either form, all of your benefits will be paid out as stated in the SPDs. Participants should also note that beneficiaries should be changed on both forms in the event of a divorce or separation agreement. Divorce judgments and/or wills cannot always be applied to Pension, Welfare, and Annuity benefits without completed beneficiary forms.

Active NYCDC Documents

Welfare SPD- Actives, Retirees, and Perm (Office) Employees

Summary of Benefits- Anthem Dental Plan (Active)

Summary Of Material Modifications (SMM)

Summary of Material Modifications: NYCDCC Welfare Fund- Dental, Disability Pension, and Trustee Addition- June 2023

Summary of Material Modifications: NYCDCC Welfare Fund- No Surprises Act

Summary Of Benefits And Coverage

SBC- Active PPO/POS 2025

Other