
Welcome to the
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MCASF Local 725 Benefit Trust Funds
Within this website members have access 24 hours a day, 7 days a week to commonly requested forms, useful highlighted links, frequently asked questions regarding your benefits, and a secure access to your personal benefit information

Valuable Information
is just a click away!

COMING INTO FOCUS!!
The Board of Trustees are pleased to announce that a
VISION BENEFIT
will be coming to the Health Plan!
Watch here for more detail as information on this
exciting benefit is rolled out

The Value of Your Retirement Plan
With Social Security expected to replace only about 40% of the income you earn while working, you'll need other sources of money to help you maintain a comfortable lifestyle in retirement. Your MCASF Local 725 retirement plans are a powerful tool that you can use to help fill the gap. Here's what you need to know. Retirement Plan Types: There are two kinds of retirement plans from MCASF Local 725. Defined Benefit (DB) Plan - Also called pension plan, this type of plan promises you income in retirement. Pensions are paid to a retiree each month, and the amount is set by a benefit formula that uses contributions, hours of service and vesting credits. The entire cost of this pension is paid by your employer. Defined Contribution (DC) Plan With this type of plan, MCASF Local 725 sets up an individual retirement savings account for you. This account is commonly called a 403(b) and is sponsored by the Trust but is owned by you once you have vested. Your employer contributes to this account but you can also contribute. The money is invested so that it can grow over time. Instead of a lifetime monthly income like the pension plan, the DC plan gives you access to a lump sum of money at retirement. What Happens When You Retire? With the pension plan, you'll have a retirement income for the rest of your life and, if you have a spouse, for the rest of your spouse's life, unless they waive their right to this benefit. While you are working, you will receive a pension statement each year showing you an estimate of how much you'll receive when you retire. With the DC plan, you can decide how much you want to withdrawal, you can take a payment monthly, a full account balance payment or you can roll it over into an IRA you have already set up. If you do not take a benefit prior to age 72, the Plan must pay you a required minimum distribution (RMD) each year thereafter you have an account balance with MCASF Local 725 DC Plan.


MCASF Local 725 Health Fund's
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Staying Connected in a Digital World
This piece empowers readers to build safe, meaningful online relationships by recognizing healthy dynamics and setting boundaries. It's about protecting your well-being while staying digitally connected.
Helping Kids Build Healthy Tech Habits
Designed for parents, this resource supports raising tech-savvy kids by promoting mindful screen use and open conversations. It encourages using technology as a tool - not a replacement for real-life connection.
Tech-Savvy, Not Tech-Addicted: Raising Balanced Kids in a Digital World
In today's digital age, it's challenging to help navigate technology without becoming overly dependent on screens. This webinar will provide you with practical strategies for raising tech-savvy children who can enjoy the benefits of technology while maintaining healthy boundaries - sign up now!
Thursday, July 17th from 1:30 pm - 2:15 pm Eastern

Locations in South Florida

Participant Portal
Do more online.....
Did you know you can change your address directly on the portal or you can update your beneficiaries.
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You can complete your enrollment form directly on the portal. Form is pre-populated with your information currently on file so it's easy to update, just a few clicks and you are done.
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If you are a pensioner, you can change your bank information on your direct deposit.
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If you need to send us important personal documents such as a birth certificate for a new born or a marriage certificate for your new spouse, you can now upload those documents securely through the participant portal.
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