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Welcome to Five River Carpenters Health & Welfare Fund

The Five River Carpenters Health & Welfare Fund provides eligible active employees and their eligible dependents with a broad range of health and welfare benefits including medical, prescription drug, dental and vision care benefits, as well as short term disability benefits if you are unable to work as the result of a non-occupational injury or illness. View the Summary Plan Document for complete details about your benefits.

This Web site contains important information about your benefits, and provides you with easy access to any forms and resources you may need, answers to frequently asked questions and more.

Latest Information

2022 Annual Notices

2023 COBRA Rates - Carpenters - effective January 1, 2023

Summary of Material Modification - Plan Changes Since 2021 SPD

Summary of Material Modification - 2023 Plan Changes - effective January 1, 2023

Summary of Material Modification - Autism Spectrum Disorder Treatment - effective August 1, 2022

Affidavit of Retirement Form

Coverage for OTC COVID-19 Diagnostic Testing Kits

At-Home and Over-the-Counter COVID-19 Diagnostic Testing

Medicare Part D Notice

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP)

No Surprises Act - Out of Network Providers and Balance Billing Prohibitions

Notice of Privacy Practices

Annual WHCRA Breast Reconstruction Notice

2022 Summary of Benefits and Coverage - effective January 1, 2022

2022 COBRA Rates - Carpenters - effective January 1, 2022

2021 Summary of Benefits and Coverage - effective January 1, 2021

2021 COBRA Rates - Carpenters - effective January 1, 2021

Virtual Visits

Coronavirus Testing

New Prescription Plan Administrator - effective January 1, 2020

Summary of Material Modification - Increase in Contribution Rate - effective July 1, 2022

Summary of Material Modification - Increase in Contribution Rate - effective July 1, 2019

Summary of Material Modification - Disability Benefits for Pregnancy - effective September 1, 2018

Summary of Material Modification - Updated Opioid Management Procedures - effective September 1, 2018

Summary of Material Modification - Increase in Contribution Rate - effective July 1, 2018

$0 Copay for Telahealth Services - effective January 1, 2019

HIPAA - Notice of Privacy - effective October 1, 2018

Premium Assistance Under Medicaid and the Children’s Health Insurance Program (CHIP) - effective July 31, 2018

This information is intended only to provide highlights of the benefits available under the Five River Carpenters Health & Welfare Fund. Complete details about the plans are contained in the governing plan documents. In the event of any inconsistency between the information on this Web site and the official plan documents, the terms of the plan documents, as interpreted by the Board of Trustees in its sole and absolute discretion, will control. The Board of Trustees of the Five River Carpenters Health & Welfare Fund reserves the right to amend, modify, or terminate all or part of the Plans at any time. Changes to the Plans' coverage, eligibility rules, and benefit amounts occur from time to time and there may be a delay in updating this website with those changes. You should not make any planning or treatment decisions without first confirming the pertinent information regarding such a decision with the Fund Office.

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