According to the members, one of the most vital programs of the Local are found in health benefits offered through the International Union Of Operating Engineers Local 181, 320 & Tennessee Valley Authority Health & Welfare Trust Fund & Welfare Plan (The Plan).

In recent years health care has undergone staggering change. As a result the cost of healthcare & health insurance has far out-paced the rate of inflation. The Plan Trustees have worked tirelessly to keep costs down while maintaining a quality plan for the members. One avenue of achieving cost savings is through discounts negotiated by third party administrators within a PPO network of providers. Local 181 utilizes this method to meet the needs of the membership.

Eligible participants have access to a PPO plan known as Anthem Blue Cross and Blue Shield. Utilizing healthcare providers in the Anthem BCBS PPO network will be the most cost-effective means for the membership and their dependents to gain quality healthcare. Healthcare providers out-of-network are available to the members, however at a higher deductible and co-payment as compared to the in-network providers.

Prescription drug coverage is an important aspect of our healthcare program. The Plan utilizes CAREMARK, Inc. to manage the cost of this benefit. Under Caremark the members have access to local participating pharmacies for one (1) order prescription needs. For long term or maintenance medications members and the fund save additional monies via mail order prescriptions. Members may utilize pharmacies outside the Caremark network, however at a higher deductible and co-payment as compared to the in-network providers.

For questions about claims or procedures call the fund office:

If calling from IN use: 1-800-626-7024

If calling from KY use: 1-800-242-7076

Pension

Planning for retirement is critical for every working person. Local 181 participates in the

CENTRAL PENSION FUND (CPF) of the International Union Of Operating Engineers.

The CPF is a multi-employer pension fund established in 1960 to provide retirement, disability and death benefits to members of, and individuals represented by, the International Union of Operating Engineers. Plan benefits are based upon annual employer contributions for participants which are reported to CPF from employer locations.