Local 94 annuity - International Union of Operating Engineers Local Union No. 94, 94A, 94B and Affiliated Funds, AFL-CIO 331-337 West 44th Street New York, NY 10036. Local 94. Main Number: (212) 245-7040. Business Agents. Kuba Brown Business Manager/Financial Secretary [email protected] or (212) 245-7040; Ray Macco

 
The Executive Board of Local 94 has elected to retain Stacey Braun Associates to provide Financial Counseling and advice to the membership of Local 94. (However, Stacey Braun Associates cannot provide specific advice on mutual fund recommendations in regards to the Annuity Fund.. 20 grams to teaspoons

Special Retirement Benefit: Payable as early as age 62 with 25 years of credited service. It is equal to the Normal Retirement benefit without reduction. Post-Retirement Surviving Spouse Benefit: Payable to the surviving spouse of a deceased retiree for life, at optional levels of 50%, 66-2/3%, 75%, or 100% of what the retiree was receiving. It ...Session #13 Refrigerating System Operating Engineer Course [5:00 pm-8:00 pm] Session #13 Fire Life Safety Directors [12:30 pm-3:30 pm] Session #9. Learn about the Local 94 Training Fund including how to apply, read course descriptions and view a schedule of classes.Keep your money in your Local 94 Annuity Plan 8 Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59 1/2 may be subject to an early distribution penalty of 10%. Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to preventThe tax considerations discussed in this Prospectus are general in nature and describe only federal income tax law (not state, local, foreign or other federal ...Annuity, Sick Pay, Training and/or Pension Funds, the Union and/or the Funds, independently or in co-ordination and cooperation, shall have the right to inspect and audit the contractor’s social security and/ or payroll records and all such records shall be made available to the Union and to the Funds upon request. 5.The Local 94 Health and Benefit Funds offer members and their eligible dependents medical, dental, vision, retiree, accidental death and dismemberment, death and loss of time benefits. ... Annuity Fund. It is highly recommended that participants submit all distribution forms and loan applications by email to [email protected]. Forms can still ...In most variable annuities, the payout rate or “annuity purchase factors” are based on several variables, such as age, single vs. joint life and gender. From: Trustees of the Annuity Fund of the IUOE, Local Union 94-94A-94B, AFL-CIO We are pleased to present you with this Summary Plan Description (“SPD”) for the Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO (the “Plan”), as amended and restated effective July 1, 2014. When: Friday, January 12, 2024. Cocktail Hour - 7:00 PM to 8:30 PM. Reception immediately following. Where: Russo's on the Bay. 162-45 Cross Bay Blvd. Howard Beach NY 11414. Find the information and location of the next Dinner Dance honoring and celebrating the recipients of the Local 94 Scholarship Fund. This site lets you log on and see your personal Local 94 Annuity Fund account, where you can make investment elections and view forms and educational guides. myplan.johnhancock.com. IUOE Central Pension Fund. External website that includes information on the IUOE pension. www.cpfiuoe.org. Sele-Dent. The administrator for the Local 94 Dental Plan. General Membership Meeting. Times: 8:30 AM, 2:00 PM, and 5:00 PM Meetings are held at the Hotel Trades Council Auditorium, 305 West 44th Street. Join us to raise money for the Scholarship Fund at La Tourette and South Shore Golf Courses. Welcome to the IUOE Local 94 home page. Learn about the Local 94 Union and the Union's affiliated Benefit Funds. The requirements of §§ 58-15-94 to 58-15-108, inclusive, apply to any in-force and future policy, annuity contract, and retained asset account as of July 1, ...When: Friday, January 12, 2024. Cocktail Hour - 7:00 PM to 8:30 PM. Reception immediately following. Where: Russo's on the Bay. 162-45 Cross Bay Blvd. Howard Beach NY 11414. Find the information and location of the next Dinner Dance honoring and celebrating the recipients of the Local 94 Scholarship Fund.The Benefit Office has a complete record of your credited service accumulated under the Pension Plan and we can provide you with an estimate of your monthly benefit prior to your retirement. Annual statements are forwarded to each participant in the Pension Plan. Please contact the Benefit Office at (413)998-3230 with any questions regarding ...Family Picnic. The 2024 Local 94 Picnic will be held on Saturday July 20th at the Kruckers Catering and Picnic Grove 81 Call Hollow Road, Pomona, NY. Find details on the annual Family Picnic, including journal ads, directions and ticket prices, in support of the Local 94 Scholarship Fund.if you are a Local 94 member and have questions regarding the Central Pension Fund, please contact Jillian Loughnane by email or at (212) 331-1836. If you are not a Local 94 member, please contact the Central Pension Fund at (202) 362-1000. Start saving for retirmenent with the IUOE Central Pension Fund, an account that accumulates employer ...Generally, the answer is yes. The specific answer depends on your age, length of service and status at the time of your death. For more information about your options and the rules around death benefits, please visit the Central Pension Fund website or contact the Central Pension Fund Office at (202) 362-1000.TRUSTEES ANNUITY FUND OF THE I.U.O.E. LOCAL UNION 94, 94A, 94B AFL-CIO at 331-337 WEST 44TH STREET, NEW YORK, NY 10036-5402, or by telephone at (212) 541-9880. You also have the right to receive from the plan administrator, on request and at no charge, a statement of theRay is an Assistant Business Manager, the Recording-Corresponding Secretary and a Business Representative for Local 94. He also serves as a Trustee of the Health and Benefit Trust Funds, Annuity Fund and Training Fund. Ray currently is a Political Action Co-Chairman for Local 94. Your Sick Fund Benefits. Certain eligible members of Local 94 have a Sick Fund account. The money in your Sick Fund account can be used to pay you for days when you are sick and miss work. Without the Sick Fund, you will not be paid when you miss work due to an illness. The money in your Sick Fund account comes from Employer contributions. You ... Sign in at 7:15am. Double shot gun start at 8:00am. For reservations contact: Jillian Loughnane @ 212-331-1836 or David Hawkins @ 212-331-1858 or email @ [email protected]. Hole sponsorship available at $500/per hole. Breakfast, lunch and dinner sponsorships available.The Executive Board of Local 94 has elected to retain Stacey Braun Associates to provide Financial Counseling and advice to the membership of Local 94. (However, Stacey Braun Associates cannot provide specific advice on mutual fund recommendations in regards to the Annuity Fund. If you would like such advice, please click here.) You can receive ...For those retirees who satisfy the eligibility requirements, Commercial Retiree medical benefits include coverage for doctor visits, hospital stays and other medical services. There are three medical plan options for Commercial Retirees: The Basic Retiree Plan. The Medicare Retiree Plan. The PPO Retiree Plan.When: Friday, January 12, 2024. Cocktail Hour - 7:00 PM to 8:30 PM. Reception immediately following. Where: Russo's on the Bay. 162-45 Cross Bay Blvd. Howard Beach NY 11414. Find the information and location of the next Dinner Dance honoring and celebrating the recipients of the Local 94 Scholarship Fund.The first payment is determined by reference to standard annuity tables, assuming a net investment return of 3 1/2 percent per annum. It is the amount per month ...You can support the Local 94 Scholarship Fund with a Journal Ad. For more information, go to the Family Picnic page. Note: The entire amount of your journal ad is tax deductible for federal tax purposes.Keep your money in your Local 94 Annuity Plan 7 Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59 1/2 may be subject to an early distribution penalty of 10%. Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to preventTRUSTEES ANNUITY FUND OF THE I.U.O.E. LOCAL UNION 94, 94A, 94B AFL-CIO at 331-337 WEST 44TH STREET, NEW YORK, NY 10036-5402, or by telephone at (212) 541-9880. You also have the right to receive from the plan administrator, on request and at no charge, a statement of theKeep your money in your Local 94 Annuity Plan 7 Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59 1/2 may be subject to an early distribution penalty of 10%. Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to preventLocal 94 Participating Dental Providers Page 7 of 7 STATEN ISLAND GENERAL DENTISTRY Ian Cantor: John A. Damiano, DDS John A. Damiano, DDS: 4300 Hylan Blvd., Suite 2E Damiano, John A. Damiano, John A. Staten Island, NY 10312: 54 Hudson Place 433 Annadale Road: 718-948-0870 Staten Island, NY 10303:Local 94 does not have a relationship with any mortgage companies, but you may be able to find discounted services at Union Plus. Union Plus is brought to you by Union Privilege, which was established by the AFL-CIO. It provides consumer benefits and discounts to members and retirees of participating labor unions.Generally, the answer is yes. The specific answer depends on your age, length of service and status at the time of your death. For more information about your options and the rules around death benefits, please visit the Central Pension Fund website or contact the Central Pension Fund Office at (202) 362-1000. To meet this goal, there are four sources of medical benefits available to you as a Member: PPO benefits and hospital benefits through Anthem Blue Cross, Prescription benefits through OptumRx, Dental benefits through Local 94 and Sele-Dent, and/or. Certain non-PPO benefits, such as Eye Care, Hearing Aids, Loss of Time & Death Benefits, are self ... Keep your money in your Local 94 Annuity Plan 7 Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59 1/2 may be subject to an early distribution penalty of 10%. Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to prevent FInd out how to participate in the Local 94 Health and Benefit Trust Funds, including enrolling dependents, eligibility requirements and coordination of benefits. Local 94 Operating Engineers. Member Portal. ... 15 years of Total Credited Service (as defined in the Central Pension Plan) Be receiving a pension from the Central Pension Plan; if you are a Local 94 member and have questions regarding the Central Pension Fund, please contact Jillian Loughnane by email or at (212) 331-1836. If you are not a Local 94 member, please contact the Central Pension Fund at (202) 362-1000. Start saving for retirmenent with the IUOE Central Pension Fund, an account that accumulates employer ... FInd out how to participate in the Local 94 Health and Benefit Trust Funds, including enrolling dependents, eligibility requirements and coordination of benefits. Local 94 Operating Engineers. Member Portal. ... 15 years of Total Credited Service (as defined in the Central Pension Plan) Be receiving a pension from the Central Pension Plan;CONTACT INFORMATION FORM. International Union of Operating Engineers Local Union No. 94, 94A, 94B AFL-CIO and the International Union of Operating Engineers Local 94, 94A, 94B AFL-CIO Affiliated Funds 331-337 West 44th Street, New York, New York 10036 Phone (212) 331-1800 Fax (212) 245-7886. ALL FIELDS must be completed and the …Local 94 Trustee-directed Annuity Fund is a broadly diversified portfolio that includes a number of different asset classes. The Board of Trustees (Trustees) has established an asset mix designed to protect the principal of the Plan while taking advantage of the returns of the investment markets to provide growth of participant accounts.Special Retirement Benefit: Payable as early as age 62 with 25 years of credited service. It is equal to the Normal Retirement benefit without reduction. Post-Retirement Surviving Spouse Benefit: Payable to the surviving spouse of a deceased retiree for life, at optional levels of 50%, 66-2/3%, 75%, or 100% of what the retiree was receiving. It ...Joint and Survivor Annuity: Surviving spouse benefits may be selected at 50%, 66 2/3%, 75%, or 100% of the participant’s benefit. Example (based on a Participant and Spouse at age 65): Participant’s accrued benefit is $2,000.00 per month and payment is 50% J&S: Participant would receive $1,802.00 for life and Surviving Spouse would receive ...Local 94 Trustee-directed Annuity Fund is a broadly diversified portfolio that includes a number of different asset classes. The Board of Trustees (Trustees) has established an asset mix designed to protect the principal of the Plan while taking advantage of the returns of the investment markets to provide growth of participant accounts.Please call the Union Office at (212) 331-1800. You can also visit the Contact Us page for more information.Sign in at 7:15am. Double shot gun start at 8:00am. For reservations contact: Jillian Loughnane @ 212-331-1836 or David Hawkins @ 212-331-1858 or email @ [email protected]. Hole sponsorship available at $500/per hole. Breakfast, lunch and dinner sponsorships available.Reaching an annuity agreement with an insurance company or other entity is an important occasion — and often one that brings a great deal of relief with it, whether it’s the result...After the January 2024 MetLife rollover, there will be two changeover periods in April and October 2024 for those members wishing to switch plans. Retiree Forms Forms Optical Provider Forms & Resources Dental Benefits Update Effective January 1, 2024, UFA Members will receive dental coverage through MetLife MetLife Dental Benefits MetLife Video ...Term of annuity: The annuity may be for life or a ... Rights Act of 1994 (USERRA). Specifically, you ... Local Union No. 369, International Brotherhood of ...Southwest Asbestos Workers Local 94 Pension Plan. Pension Application. Widow Application. Summary Plan Description. Direct Deposit Form. IRS W-4p Form. ... We operate utilizing the latest technology for the administration of multi-employer and multiple employer Pension and Health & Welfare Funds. We specialize in optimizing best …WHAT CHARGES ARE DEDUCTED FROM PAYMENTS? Currently, a deduction of 3.50% of premiums for state and local premium taxes and federal taxes imposed for deferred ... From: Trustees of the Annuity Fund of the IUOE, Local Union 94-94A-94B, AFL-CIO We are pleased to present you with this Summary Plan Description (“SPD”) for the Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO (the “Plan”), as amended and restated effective July 1, 2014. Certain Local 94 members must complete the Mandatory Portion of the Training Fund. The Mandatory Portion is made up of six units, or courses. View the current schedule of classes. If you have questions about course details, call the Training Fund Office at (212) 956-4854 or email the Training Fund coordinator Lucy Del Valle.Certain Local 94 members must complete the Mandatory Portion of the Training Fund. The Mandatory Portion is made up of six units, or courses. View the current schedule of classes. If you have questions about course details, call the Training Fund Office at (212) 956-4854 or email the Training Fund coordinator Lucy Del Valle.The Local 94 Training Fund offers a job and career training program available for Local 94 members employed at job sites of Contributing Employers. The three-year Training Program provides you with the fundamental knowledge and basic skills needed in the ever-changing workplace. By focusing on core concepts and understanding new technologies ...Local Aid Distribution. Local Aid Distribution; Local Aid Distribution. Outside ... annuity contract, is not included in the income of the policyholder or ...The Local 94 Training Program provides you with the tools and information needed to meet the increasing demands of today's engineers. In the Training Program, you learn about the latest technologies in the industry and gain first-hand experience dealing with air quality control, environmental control, electrical power systems and computer ...2 Defined-Benefit Plans Provide a Predictable, Secure Pension for Life • In Taft-Hartley plans, generally only employer contributions are required. No participant contributions allowed. • Your retirement benefit can be determined at any time during your career. • Fund investments are managed by the Fund Trustees. • Union Representatives and …Generally, the answer is yes. The specific answer depends on your age, length of service and status at the time of your death. For more information about your options and the rules around death benefits, please visit the Central Pension Fund website or contact the Central Pension Fund Office at (202) 362-1000.IRA Rollover –This option allows you to transfer your Local 94 Annuity Fund to an Individual Retirement Account (IRA) where you can take a portion of your distribution as a cash payment and elect to have the remaining balance invested in stocks, bonds, mutual funds, or even life time annuity investments.Local 94 Participating Dental Providers Page 7 of 7 STATEN ISLAND GENERAL DENTISTRY Ian Cantor: John A. Damiano, DDS John A. Damiano, DDS: 4300 Hylan Blvd., Suite 2E Damiano, John A. Damiano, John A. Staten Island, NY 10312: 54 Hudson Place 433 Annadale Road: 718-948-0870 Staten Island, NY 10303:Annuity form: Pension and Annuity Beneficiary form: Summary of Legal Services: more . Laborers Local 473 Updates. Stay informed of our latest news! Email: * Subscribe. Unsubscribe. LIUNA Local 473. 264 West Housatonic Street | Pittsfield, MA 01201 Phone: 4134421970 | Fax 4134424892. Site union-made by:Read lists of past Local 94 Scholarship Fund winners and scholarship recipients. Local 94 Operating Engineers. Member Portal. Home; Behavioral Health Resources; Local 94; Affiliated Funds. Annuity Fund; Central Pension Fund; Health & Benefit Trust Fund; Scholarship Fund. How It Works; Participating in the Scholarship Fund; Scholarship …Plan offered. The Plumbers & Pipefitters Local 94 Health & Welfare Fund administers a self-funded vision plan to eligible members, dependents, and retirees. Plan maximums, copays, deductibles. Please contact the Fund Office at (330) 779-8874 for coverage and provider details.Jan 2, 2024 ... ... or 2) purchase an annuity for them from an insurance company. PBGC's Missing Participants Program contains four types of retirement plans:JH appointments to be held on Wednesday, March 10, 2021. If you are married, your spouse is welcome to sit in on the meeting. To sign up for an individual 1-on-1 session, please contact Kimberly Antonaccio at (212) 331-1826 or email her at [email protected]. Local 94 Annuity Fund Group and Individual Education Meetings Attend an ...What is Local 94’s address? 331-337 West 44th Street, New York, NY 10036 (located between 8th & 9th Avenues). For more information, go to the Contact Us page.From: Trustees of the Annuity Fund of the IUOE, Local Union 94-94A-94B, AFL-CIO We are pleased to present you with this Summary Plan Description (“SPD”) for the Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO (the “Plan”), as amended and restated effective July 1, 2014. John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans. John Hancock Trust Company LLC provides trust and custodial services to such plans. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston ... Annuity Recent Mailings. 11/16/2023 Retirement Fund Meeting. 2022 Local 94 Retirement Plan Summary Annual Report. Annuity Forms.Eligibility. If you work for an employer who contributes to the Local 94 Health and Benefit Trust Fund under the terms of a collective bargaining or other written agreement, you are eligible to participate in the Health and Benefit Trust Fund’s benefit plans provided you meet certain requirements listed below. Michael joined the I.U.O.E. Local 94 Union and Affiliated Funds team in June 2019, as the Controller and Annuity Fund Administrator. Michael is a Certified Public Accountant and prior to joining the Local 94 team, he worked as an audit manager of a mid-size public accounting firm and brings over 20 years of experience with auditing labor ... Effective January 1, 2015 to December 31, 2018. School Memorandum of Agreement. Effective August 12, 2016. Local 891 Agreement. Effective April 22, 2006. Learn about the Local 94 Union, including biographies of our Business Agents, upcoming events, information for members and photos of our Union gear.Meetings are held at the Hotel Trades Council Auditorium, 305 West 44th Street. Jun 27. Initiation Ceremony for New Members Thursday June 27th at 3:30 pm UFT 52 Broadway - Shanker Hall. Jun 27. Local 94 Service Award Ceremony. The Service Awards Ceremony will be held on Thursday, June 27th at 5:00 p.m. Members with 25, 30, 35, 40, 45 & 50 years ...Your Sick Fund Benefits. Certain eligible members of Local 94 have a Sick Fund account. The money in your Sick Fund account can be used to pay you for days when you are sick and miss work. Without the Sick Fund, you will not be paid when you miss work due to an illness. The money in your Sick Fund account comes from Employer contributions. You ...The dimensions of a queen size bedspread are usually 102 inches by 116 inches. A queen size comforter can range from 86 by 86 inches to 86 by 94 inches. A queen size blanket is usu... International Union of Operating Engineers Local Union No. 94, 94A, 94B and Affiliated Funds, AFL-CIO 331-337 West 44th Street New York, NY 10036. Local 94. Main Number: (212) 245-7040. Business Agents. Kuba Brown Business Manager/Financial Secretary [email protected] or (212) 245-7040; Ray Macco Annuity, Sick Pay, Training and/or Pension Funds, the Union and/or the Funds, independently or in co-ordination and cooperation, shall have the right to inspect and audit the contractor’s social security and/ or payroll records and all such records shall be made available to the Union and to the Funds upon request. 5.Please note, effective January 1, 2020, the maximum monthly dues are $95.68. Dues for 40 hour contracted work weeks are calculated by multiplying the hourly rate x 2.50; for 35 hour contracted work week hourly rate x $2.20; for 37 1/2 hour contracted work week hourly rate x $2.36, up to a maximum of $95.68. When the hourly rate increases, the ... Your Sick Fund Benefits. Certain eligible members of Local 94 have a Sick Fund account. The money in your Sick Fund account can be used to pay you for days when you are sick and miss work. Without the Sick Fund, you will not be paid when you miss work due to an illness. The money in your Sick Fund account comes from Employer contributions. You ... ... local government or political subdivision thereof (or agency or instrumentality thereof). Caution: Code section 403(b)(12)(D), as added by P.L. 117-328, is ...

THE ANNUITY FUND OF IUOE LOCAL 94-94A-94B, AFL-CIO As a result of the devastating effects that Hurricane Sandy has had on Local 94 members and their families and the struggles that still continue in the wake of the storm, the Board of Trustees (“Trustees” or “Board”) of the Annuity Fund of IUOE Local 9494A-94B, -. What insurance covers dexcom g7

local 94 annuity

To meet this goal, there are four sources of medical benefits available to you as a Member: PPO benefits and hospital benefits through Anthem Blue Cross, Prescription benefits through OptumRx, Dental benefits through Local 94 and Sele-Dent, and/or. Certain non-PPO benefits, such as Eye Care, Hearing Aids, Loss of Time & Death Benefits, are self ... Plan offered. The Plumbers & Pipefitters Local 94 Health & Welfare Fund administers a self-funded dental plan to eligible members, dependents, and retirees. Plan maximums, copays, deductibles. Please contact the Fund Office at (330) 779-8874 for coverage and provider details.As of September 2014, the value of a new Winchester Model 94 varies from $1,199.99 to $1,459.99. The cheapest variation is the stock Model 94 carbine, while the most expensive is t...The Local 94 Health and Benefit Funds offer members and their eligible dependents medical, dental, vision, retiree, accidental death and dismemberment, death and loss of time benefits.Learn how the Local 94 Annuity Fund Plan works, such as how to invest in your account, where to get investment advice, loans and receiving benefits.Local 94 Highlights. Local 94 Member retirements in 2020, 2021, and 2022, were 167, 199, and 228, respectively; Average monthly retirement benefit of all Local 94 retirees: $2,327.61 (Plan-Wide Avg. $1,364.00); Average monthly retirement benefit of Local 94 members who retired in 2022: $3,068.78.The Board of Trustees are pleased to welcome you to the new Annuity website for the Plumbers & Pipefitters Local 396 Trust Funds. Within this website, you will now have access 24 hours a day, 7 days a week to commonly requested forms and useful highlighted links. As always, please feel free to contact the Benefit Office at (330) 779-8874 if you ... The Local 94 Health and Benefit Trust Fund. Local 94 and our Contributing Employers care about your health and welfare. That is why we have set up the Health and Benefit Trust Fund to help you pay for your medical, dental and vision needs. The Health and Benefit Trust Fund offers benefit plans that give you coverage where you need it most. The dimensions of a queen size bedspread are usually 102 inches by 116 inches. A queen size comforter can range from 86 by 86 inches to 86 by 94 inches. A queen size blanket is usu...TRUSTEES ANNUITY FUND OF THE I.U.O.E. LOCAL UNION 94, 94A, 94B AFL-CIO at 331-337 WEST 44TH STREET, NEW YORK, NY 10036-5402, or by telephone at (212) 541-9880. You also have the right to receive from the plan administrator, on request and at no charge, a statement of the... local income taxes may apply (see “Taxes”). You cannot take surrenders after annuity payouts begin except under Plan E (see “The Annuity Payout Period – Annuity.February 10, 2021 ·. Local 94 Annuity Fund Group and Individual Education Meetings. Attend an upcoming virtual online group and/or 1-on-1 meeting to help take the …Annuity Documents. All the Annuity related documents includes: ... Plumbers & Pipefitters Local 94 Trust Funds. Health Care. Health Care; Medical; Dental; Vision ...Each month, your Contributing Employer makes contributions to your account in accordance with the terms of its agreement with Local 94. If you have an eligible rollover paid to you from another employer’s qualified retirement plan, it may be transferred into the Local 94 Annuity Fund upon the Trustees’ approval..

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