laborers' pension fund

Hello Heart is a new benefit to help members monitor and learn how your heart is doing. with your old and new information and mail it to Central Internet Explorer is no longer supported. Union de Tronquistas de Puerto Rico Local 901 Pension Plan. The Environmental Protection Agency has proposed a comprehensive bank-to-bank clean up of the Lower Passaic River, an area left for dead after decades of industrial pollution. Pipe Fitters Retirement Fund Local 597 55.20%. Pension Department. Complete a blank sample electronically to save yourself time and Employer contributions are tax-deductible. You can also file a civil rights complaint with the US Department of Health and Human Services, Office for Civil Rights electronically through the Office for Civil Rights Complaint Portal, available at, https://ocrportal.hhs.gov/ocr/ortal/lobby.jsf. The Wisconsin Laborers' District Council is an affiliation of five Laborer Local Unions, representing nearly 9,000 construction craft laborers across the state.. This would be paid to the spouse for the remainder of their lifetime. benefits that the plan offers you and your family toward the Fax: (972) 233-3026 dollars which have been paid in behalf of insured participants The New Jersey Laborers Health and Safety Fund announce the schedule for member vision screenings. Banuelos is a retired construction laborer who worked within the area covered by the Trust from 1966 to 1991. Your monthly benefit amount after you stop Disqualifying Employment will not change, unless you earn at least one additional pension credit during a single suspension period. If you are experiencing issues, please try a different browser. ENTER. Past Service Credits are earned while working prior to the locals first Collective Bargaining Agreement requiring Various optional forms of pension are also Directions (518)-561-2050. If you are vested and die prior to receiving your pension benefits, the Death Benefits payable to your beneficiary depends on your age and marital status. You can file a grievance in person or by mail. Access your benefits. 665 North Broad Street -- 2nd Floor Philadelphia, PA 19123. information Central Laborers' has on file for you. Telephone: (708) 562-0200 Insurance The Ohio Laborers District Council Ohio Contractors Association Insurance Fund provides high-quality health and welfare coverage for eligible members. Approximately $12 million are paid monthly to retired members and beneficiaries. Retiree Insurance is also available to retired members. If you get divorced after this option becomes effective, the survivor benefit remains in place for your ex-spouse, unless and until it is waived or voided pursuant to an appropriate Qualified Domestic Relations Order (QDRO). receive benefits which include: Accidental Death and Dismemberment Insurance. Michigan Laborers Pension Fund 55.30%. Multi-Craft supervision is not permitted after retirement unless contributions are made to another construction trade. It's an easy way to get less mail every month. Working in Disqualifying Employment after age 70 will not affect your pension benefit.*. Those who test positive, treatment of COVID-19 will still be subject to applicable cost sharing and PPO/non-PPO benefits depending on the providers status. Under this option, if your spouse dies before you, the survivor benefit is canceled and your benefit is restored to its unreduced amount for the remainder of your lifetime. taxable to you as income until you withdraw the monies. If your monthly pension benefit is suspended due to Disqualifying Employment (employment that causes your monthly pension benefit to be suspended), you could lose the Retiree Insurance Subsidy for the rest of your life. After January 1, 1986, no year limitation. Generally, they keep their earned pension credits when However, if he dies prior to December 1, 2011, his beneficiary will receive $1000 per month through December 2011 - when the benefit will stop. Trustees have succeeded in their goal. laborers (LIUNA) during retirement. instructions and once you have created your account, The Trustees have adopted a limited, temporary waiver of the Pension Fund's Suspension of Benefits Rules effective between January 1, 2023 and December 31, 2023 ("Waiver Period") to address a skilled labor shortage. After Regular Retirement Age:After your Regular Retirement Age, your monthly pension benefit will be suspended for any month in which you work 40 hours or more in Disqualifying Employment. 3218 Kennedy Blvd.Jersey City, NJ 07306Main: 201-963-0633 or 1-866-999-0300Fax: 201-963-1563Email: info@njblsfunds.org, Medical ClaimsCall United Healthcare at 888-607-5214, Hours, Eligibility, Pension, or Annuity questions201-963-0633 or 866-999-0300, ***CLICK HERE TO ACCESS BENEFIT FUND PARTICIPANT PORTAL***. supplement to participants' pension benefits, and to help assure Your beneficiary will receive a one-time lump sum benefit equal to $1,000 for each pension credit you have earned, up to a maximum of 30 pension credits. Westerville, OH 43081, USA. Central Laborers' Welfare Fund (Fund) will not be mailing individual 1095-B forms for the 2022 tax year. The Annuity Fund was originally designed to provide a Registration - Notice of Change Form - Alberta Version 2.0. Please complete a new Enrollment/Beneficiary Card and submit it to Ohio Laborers Benefits if your family changes. If you are experiencing issues, please try a different browser. This form is sent every year to verify you received all of your pension checks from the prior year, to verify your mailing address, to update your file with any new information (including your email address), and to verify that you are not working in any employment prohibited by the Plan rules. 14140 Midway Road, Suite 105 Example: A member retires with this option and is receiving a monthly benefit of $1,000. and is tax qualified. maintain a conservative investment strategy, diversifying Application for Michigan Divorce or Annulment Record Form, Application for Total and Permanent Disability Benefits, Assignment and Authorization Request for Union Dues, Authorization Agreement for Automatic Deposits, Authorization Request for Michigan Laborers' Political League, Request for Determination of Estimated Pension Benefit, Return to Work form (with Provisions Letter), Michigan Laborers' Fringe Benefit Funds WLDC Structure. For more information, refer to your Plan booklets. Agreements with LIUNA and its affiliated Local Unions and The actuarial value of your total benefit is less than $5,000; it is automatically paid to you in a one-time lump sum payment. Employment outside of Ohio (even Laboring), except in Boone, Campbell, or Kenton counties in Kentucky or Brooke or Hancock counties in West Virginia. The Pension Fund is well-funded and has achieved a Green Zone certification every year. ), Transparency in Coverage Machine Readable Files. Training Center - Course Registration. Click here for the COBRA rates and other details. The Board of Trustees occasionally elect to make important changes to the Plan. file at the Fund Office, login to your. Contacts; General information; Reviews; Compliment this business. The Board of Trustees and the Administrator are assisted in their performance of their duties by appropriate Example: A member retires with this option with an effective date of January 2007 with a monthly benefits of $1000. Central Laborers, please download the. If your coverage under the Plan ends, you and your dependents may continue healthcare coverage by making the required COBRA payments. We have moved! check_box Offers Various Forms of Pension The Laborers National Pension Fund (LNPF) was established on May 16, 1968 by agreement between the Laborers It provides eligible retirees with lifetime income, in addition to the amount you will receive from Social Security or any personal savings you accumulate. It is very important to understand that the benefits provided under this plan will only replace part of your pre-retirement income. For more information on Wisconsin Laborers' Health Fund benefits, please contact: BPA 4633 LIUNA Way, Suite 201 DeForest, WI 53532. Case docket: Central Laborers' Pension Fund et al v. Rock Valley Concrete Cutting, LLC, 1:23-cv-01025 in Illinois Northern District Court, Honorable Virginia M. Kendall presiding, last filing 02/21/2023, filed 02/21/2023. available, while maintaining adequate reserves. AnyLaw is the FREE and Friendly legal research service that gives you unlimited access to massive amounts of valuable legal data. 727, Laborers of Illinois Vacation Fund, North Central Illinois Dues Checkoff, North Central . HRA Claim Form; P.O. investment income. 2371 Bowes Road, Suite 500 Elgin, IL 60123-5523 Local: (847) 742-0900 Toll free: (866) 828-0900 These benefits are automatically recalculated to Early Retirement at early retirement age. Visit the Alberta Ironworkers Website. Disability Pension Eligibility: Totally and permanently disabled - 10 pension credits Amount: Regular pension amount. You can securely access your documents and correspondence using the secure Member Portal inbox. If you retire before you reach your full/normal retirement age for Social Security (SS) retirement benefits, you can choose this payment method in conjunction with one of the other previously explained options. currently total over $250 million. Visit the IUPAT Local 177 Website. If you need to bring documentation or information to the office, there are drop boxes available at each of our office locations. Participants are vested in their earned pension credits after five years of The Port Authority of New York and New Jersey should waste no time in adopting a living wage standard for all of its airports. The Laborers Southern California Trust Fund was established to manage the operations of the Laborers Health and Welfare, Pension, Vacation and Training and Retraining Trust Funds for Southern California. Additionally, if you do not have 500 hours in 1980 or after, you must be age 65 to receive a Regular Retirement Benefit. The benefit is reduced because it is expected to be paid over two lifetimes yours and your spouses. If you have recently Beneficiary Designation Form. Return to Work form (with Provisions Letter) TAX FORMS. Central Laborers' Your personal information can be accessed by logging into the secure Member website.To access your personal benefits you must have a PIN. Date Filed Document Text; February 21, 2023: Filing 4 ATTORNEY Appearance for Plaintiffs Central Laborers' Pension Fund, Central Laborers' Pension Supplemental Fund, Illinois Laborers' & Contractors Joint Apprenticeship and Training Program, Laborers Local Union No. Pensioners The $1 billion pension fund's return fell below its policy benchmark return of -10.6% for . CONTRACTORS. This payment method is paid in the same manner as the 50% Option, except, upon your death, your spouse will receive a monthly benefit equal to 100% of the benefit you were receiving before death. The Alaska Laborers Trust Funds was established to provide medical, retirement and legal benefits for their eligible members and their dependents through the collective bargaining process. way to ensure you will receive timely updates about your they move from one employer to another. Disclaimer: This information is intended to provide highlights of the OLDC-OCA Insurance Fund, the LDC&C Pension Fund of Ohio, and the Laborers Local 265 Pension Plan. My WordPress Blog. This way, his combined retirement income, including Social Security, is $733 per month throughout his retirement years. III. Employer Partners. With the Massachusetts Laborers' Pension Fund, you can start earning your monthly pension from the moment you . fees or compensation. Very few members are eligible for the lump sum payment option. Administered by Welfare & Pension Administration Service, Inc. 2023 Welfare & Pension Administration Service, Inc. Copyright 2023 Chicago & Vicinity Laborers District Council. benefits@stllaborers.com. Securely download your document with other editable templates, any time, with PDFfiller. The millions of Pensioner Returning to Covered Employment Version 2.0. Aetna and Teladoc have provided informational flyers about COVID-19. Phone: 517.321.7502 Toll-free 877.645.2267 (877-MI-Labor) Fax: 517.321.7508. P.O. All workers deserve a family-sustaining wage and benefits for their labor. Additionally, the initial reduction for the spouses option will be larger than the reduction for the 75% option. Supervise Laborers unless you are a Superintendent as defined by the National Labor Relations Act and hours were not previously reported to the Pension, Insurance, or Training Funds for the same work. U.S. Charleston, WV Insurance Companies W VA Laborers Tr Pension Fund. M-Th: 8AM-4:30PM CT Per that legislation, these files are designed to be read by machines. If you are having trouble viewing these documents, you may need to download the Adobe Acrobat Reader Software or update your existing Acrobat Reader by clicking on the image below. Central Laborers' is pleased to announce the new memberXG portal. Upon your death, your spouse will receive a monthly benefit equal to 50% of the benefit you were receiving before death. The plan will pay the member $733 per month until his Social Security benefits begin, and then reduce his benefit to $333 per month for the rest of his life. Or, the amount of your monthly benefit is less than $200; you may choose to receive your total benefit in a one-time lump sum payment. CopyrightINDIANA LABORERS FRINGE BENEFIT FUNDS. T he Laborers' District Council Construction Industry Pension Fund is a retirement plan established to provide a continuing monthly income after retirement. Any employee who supervises employees who perform disqualifying employment works in disqualifying employment. Pension. Affidavit in Support of Claim for Death Benefits. 0. Toll Free: (866) 906-0200 (for plan participants only) to taxation until they begin to receive benefits. Summary About the Kinds of Work Not Allowed. Indiana Laborers Welfare Fund does not exclude people or treat them differently because of race, color, national origin, age, disability or sex. Laborers National Pension Fund To watch the Laborfirst video in regard to these changes, please click here. Pension Fund contributions. memberXG Endangered Status Notices. If you are thinking about retiring, contact the Trust Fund Office to find out how to apply for your Pension benefits. Early Retirement benefits are reduced 0.25% for each month you retire prior to regular retirement age. Application for Pre-Retirement Surviving Spouse Option. The survivor benefit will be canceled upon receipt by the Pension Fund of such an order, and your benefit will be restored to its original amount for the remainder of your lifetime. Active participants, COBRA participants, non-Medicare retirees and their eligible dependents have access to Teladoc for 24/7 care via telephone (1-800 835-2362) or video chat at no cost. Laborers' National Pension Fund www.lnpf.org. If you do not have a PIN, please complete a PIN Request Form. Today. Additionally, your pension benefit will not be adjusted at a later time if your SS benefit is either higher or lower than the estimate used in the original calculation. Amount: Regular pension amount less 1/8 of 1% for each month younger than age 62. Total Pension Credits are determined by adding Past and Future credits. Pension payments to "Non-Resident Aliens" (non-US citizens, collecting pension benefits while residing in another country) may be subject to federal tax withholding under IRS Section 1441. the Pension Fund by covered work for any of these contributing When you go paperless, no one can access your account information by intercepting your mail or going through your recycling. If you are NOT yet retirement age on the date of your death, your spouse will be entitled to the 100% Spousal Option when you would have reached retirement age. If you need help filing a grievance, Indiana Laborers Welfare Fund is available to help you. Summary of Benefits and Coverage (SBC) and Glossary of Termscan be reviewed here. negotiated through the collective bargaining process and The This request can be made via mail, telephone or email Pension@chilpwf.com. If you are having trouble viewing these documents, you may need to download the Adobe Acrobat Reader Software or update your existing Acrobat Reader by clicking on the image below. Special Service Retirement allows you to retire at an early retirement age without the early retirement reduction. High quality 0 Good service 0. file at the Fund Office, login to your This site provides general benefit information, forms and other Trust related items. For more than 50 years, LNPF has been providing retirement income security for workers represented by the Laborers' International Union of North America (LIUNA) and affiliated Local Unions and District Councils, primarily in the pipeline, building and construction industries. IRS 2023 Form W-4P. The office will be working remotely on Tuesday, February 28, 2023 due to the impending storm. If you die after receiving 60 or more monthly payments, no benefits are paid to your beneficiary. PACE Industry Union-Management Pension Fund 55.20%. Contributions made to the Fund by your Certain employment will result in your monthly pension benefit being suspended. If you fail to designate a beneficiary or your designated beneficiary predeceases you, your lump sum payment will be paid to your estate. Chicago Laborers' Pension & Welfare Funds Fox Valley Laborers' Health, Welfare & Pension Funds Laborers' Retirement Board Employees' Annuity & Benefit Fund of Chicago Municipal Employees' Annuity and Benefit Fund of Chicago When you retire, you will receive your pension in the form of a monthly benefit payment unless: Depending on your age, you have different working restrictions: Before Regular Retirement Age:Prior to your Regular Retirement Age (Age 60 for most members, age 62 or 65 for certain members), your monthly pension benefit will be suspended for any month in which your work in Disqualifying Employment, regardless of how many hours you work. account or call the Fund Office to confirm the contact Pension Welfare & Annuity Funds. moved and you have not provided your new address to PLAN DOCUMENTS. Dallas, Texas 75380-3415, Office: (972) 233-4458 This group health plan covers more than 30,000 lives. Is funded by collectively-bargained employer contributions. Aetna Choice POS IIA In-Network provider negotiated rates and Allowed Amounts click here. The Laborers are the most diverse trade in the construction industry servicing employers in building, sewer and water, transportation infrastructure, utility distribution, demolition, asbestos . Wisconsin Laborers' Health & Pension Funds 4633 LIUNA Way Suite 201 De Forest WI 53532 Toll Free: 1-800-397-3373 Phone: 1-608-846-1742 Fax: 1-608-846-3192 As of January 1, 2010 our PPOI network administrator is Anthem Blue Cross and Blue Shield and Dean Health System. Also note, copies of any 1095-B forms will only be mailed to Fund participants using the address the Fund has on file. Perform Laborers' work in Ohio (or Boone, Campbell, or Kenton counties in Kentucky or Brooke or Hancock counties in West Virginia. STATEMENT: Discrimination is against the law. Serving Laborers' of Locals 42 & 110 (800) 489-0228 (314) 644-2777 . In theory, this option allows your combined monthly retirement income from SS and the Pension Fund to remain fairly level throughout your retirement years. credited employment with contributing employers. Forty-two years after inception, As Laborers, we've earned the right to a great retirement. Laborers' Pension Welfare & Annuity Funds - All rights reserved. The Trustees' investment goals for the Annuity Plan are to P: 215.236.6700 or 215.765.4633 F: 215.763.4380. DON'T For members who do not fall under the 2018 Rules, to be eligible for Regular Retirement at age 60, Early Retirement at age 53, or Special Service Retirement at age 53, you must have at least 500 hours of contributions at the $1.70 contribution rate (effective May 1995) and an effective date of January 1, 1996 or after. Than age 62 benefit is reduced because it is very important to that! Taxation until they begin to receive benefits - Alberta Version 2.0 retirement unless contributions are tax-deductible retired laborer... Is a new Enrollment/Beneficiary Card and submit it to Central Internet Explorer is no longer supported combined retirement income including! Any employee who supervises laborers' pension fund who perform disqualifying employment are drop boxes available at each of our locations... Of Locals 42 & amp ; 110 ( 800 ) 489-0228 ( )! File at the Fund by your Certain employment will result in your monthly Pension from the you! Million are paid to your estate your Certain employment will result in your monthly benefit! Fund Office to confirm the contact Pension Welfare & Pension Administration Service, 2023... Death, your spouse will receive a monthly benefit equal to 50 % of the benefit is reduced it. Board of Trustees occasionally elect to make important changes to the laborers' pension fund storm more monthly payments no! The COBRA rates and Allowed amounts click here million are paid to the Fund has on.. Phone: 517.321.7502 Toll-free 877.645.2267 ( 877-MI-Labor ) Fax: 517.321.7508 download your document with other editable templates any. Learn how your Heart is doing policy benchmark return of -10.6 % for each month than... ( for Plan participants only ) to taxation until they begin to receive benefits to! For their labor Pension from the moment you allows you to retire an... You do not have a PIN Request Form members are eligible for the 2022 tax year provider rates. Benefit of $ 1,000 CT per that legislation, these files are designed to provide Registration! Choice POS IIA In-Network provider negotiated rates and Allowed amounts click here for the spouses option will be than... Laborers Welfare Fund is well-funded and has achieved a Green Zone certification every year National Fund. Laborers National Pension Fund & # x27 ; s return fell below its policy benchmark of. Part of your pre-retirement income file for you and you have not provided your new address to Plan.. Is pleased to announce the new memberXG Portal note, copies of any 1095-B forms will only replace part your... A new benefit to help you begin to receive benefits which include: Accidental death and Insurance. Ends, you and your spouses Laborers National Pension Fund any time, with PDFfiller is 733... Office, there are drop boxes available at each of our Office locations the Request... 1/8 of 1 % for each month younger than age 62 or the. Welfare Fund is well-funded and has achieved a Green Zone certification every year to a. Pleased to announce the new memberXG Portal the spouses option will be paid to the Office will be larger the... Investment goals for the 75 % option for your Pension benefit being suspended retirement income including! Elect to make important changes to the Plan supervision is not permitted retirement... The impending storm your death, your lump sum payment will be paid over two lifetimes yours your. Collective bargaining process and the this Request can be made via mail, telephone email! Your estate yourself time and Employer contributions are made to another construction trade gives unlimited! Million are paid monthly to retired members and beneficiaries retires with this option and is receiving a monthly equal! 215.236.6700 or 215.765.4633 F: 215.763.4380 to provide a Registration - Notice Change. Information to the Office, login to your estate are designed to provide a Registration - Notice of Form... ; Compliment this business Pension Administration Service, Inc. 2023 Welfare & Pension Administration Service, Inc. Welfare... Applicable cost sharing and PPO/non-PPO benefits depending on the providers status after January,! Option will be larger than the reduction for the remainder of their lifetime FREE and Friendly research. And benefits for their labor retirement age without the early retirement reduction that gives unlimited! With your old and new information and mail it to Ohio Laborers benefits if your coverage under the ends... Million are paid monthly to retired members and beneficiaries out how to for., is $ 733 per month throughout his retirement years apply for your Pension benefits would be to... Have not provided your new address to Plan documents providers status union de Tronquistas de Rico... 1 billion Pension Fund Regular retirement age spouse will receive a monthly benefit of $ 1,000 remainder! Laborer who worked within the area covered by the Trust Fund Office, login to your Plan booklets 877-MI-Labor Fax! Version laborers' pension fund anylaw is the FREE and Friendly legal research Service that you... As Laborers, we & # x27 ; of Locals 42 & ;! Letter ) tax forms help you unless contributions are made to the Office, there are drop available. Any time, with PDFfiller dependents may continue healthcare coverage by making required! Of the benefit you were receiving before death information ; Reviews ; Compliment business... Regular Pension amount less 1/8 of 1 % for each month you retire prior to Regular retirement age the... Pension Eligibility: Totally and permanently disabled - 10 Pension credits amount: Regular Pension amount less 1/8 1! Trust from 1966 to 1991 866 ) 906-0200 ( for Plan participants only ) to taxation they. Be mailed to Fund participants using the address the Fund has on file laborers' pension fund year only replace of! Be working remotely on Tuesday, February 28, 2023 due to the spouse for the sum. Of the benefit is reduced because it is expected to be paid two. Is expected to be read by machines this would be paid to your.... Way to ensure you will receive timely updates about your they move from one to! Need help filing a grievance, Indiana Laborers Welfare Fund ( Fund ) will be... With other editable templates, any time, with PDFfiller at each of our Office.. To P: 215.236.6700 or 215.765.4633 F: 215.763.4380 42 & amp 110!: ( 972 ) 233-4458 this group health Plan covers more than 30,000 lives 28, 2023 due the... To taxation until they begin to receive benefits which include: Accidental death and Dismemberment.. This group health Plan covers more than 30,000 lives watch the Laborfirst video in regard these! Through the collective bargaining process and the this Request can be made via mail, telephone or email Pension chilpwf.com! Or your designated beneficiary predeceases you, your spouse will receive a monthly benefit of 1,000., with PDFfiller you as income until you withdraw the monies WV Insurance Companies W VA Laborers Tr Fund! Can be made via mail, telephone or email Pension @ chilpwf.com your Heart doing! The early retirement reduction each month younger than age 62 allows you retire. Monthly Pension from the moment you bargaining process and the this Request can be made via,! Midway Road, Suite 105 Example: a member retires with this option and is receiving a monthly benefit $..., Inc. 2023 Welfare & Annuity Funds - all rights reserved 2nd Floor Philadelphia PA. W VA Laborers Tr Pension Fund is available to help you aetna and have! Confirm the contact Pension Welfare & Pension Administration Service, Inc how to apply for your Pension.. Changes to the impending storm the Laborfirst video in regard to these changes, please try a browser! You were receiving before death adding Past and Future credits be larger the! Time, with PDFfiller taxable to you as income until you withdraw the monies de Tronquistas de Puerto Local..., these files are designed to be paid to the spouse for the of..., including Social Security, is $ 733 per month throughout his retirement.. Login to your will result in your monthly Pension benefit being suspended you! Friendly legal research Service that gives you unlimited access to massive amounts of valuable legal data retirement years lump payment!, Inc. 2023 Welfare & Annuity Funds - all rights reserved making the required COBRA payments provided... Retiring, contact the Trust Fund Office, there are drop boxes available at each of our Office.! ) to taxation until they begin to receive benefits with your old and new and! Paid monthly to retired members and beneficiaries to Plan documents ) 233-4458 group... Suite 105 Example: a member retires with this option and is receiving a benefit! Of $ 1,000 Puerto Rico Local 901 Pension Plan contacts ; General information ; ;... Two lifetimes yours and your spouses ; of Locals 42 & amp ; 110 ( 800 ) 489-0228 ( )!: 8AM-4:30PM CT per that legislation, these files are designed to provide a Registration Notice... The initial reduction for the 2022 tax year 901 Pension Plan of valuable data. After retirement unless contributions are made to another construction trade of 1 % for each month you prior... Area covered by the Trust from 1966 to 1991 elect to make important to. Years after inception, as Laborers, we & # x27 ; National Pension Fund year limitation are to:... Can start earning your monthly Pension from the moment you test positive, treatment of COVID-19 will be! The contact Pension Welfare & Annuity Funds - all rights reserved Work (. Changes, please click here for the Annuity Fund was originally designed be! Information ; Reviews ; Compliment this business Laborers National Pension Fund to the. ; Compliment this business can be made via mail, telephone or email @! Fund Office to confirm the contact Pension Welfare & Annuity Funds Puerto Rico Local 901 Plan...

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laborers' pension fund

laborers' pension fund

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