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
2024 COBRA Rates - Carpenters
- effective January 1, 2024
2023 Annual Notices
Summary of Material Modification - Public Employees & Incarceration Change
- effective September 1, 2023
Summary of Material Modification - Continuous Glucose Monitors
- effective January 1, 2024
2023 Beneficiary Designation Form
Summary of Material Modification - Increase in Contribution Rate
- effective August 1, 2023
2023 COVID Emergency Declaration Period End Notice
- effective May 11, 2023
2023 SavRx Step Therapy Program
2023 Summary of Benefits Sheet
2023 Summary of Benefits and Coverage
- effective January 1, 2023
2022 Summary of Benefits and Coverage
- effective August 2022 - December 2022
No Surprises Act Notice
Machine Readable Transparency in Coverage
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.