Northern Illinois & Iowa Laborers Health and Welfare Trust

What Northern Illinois & Iowa Laborers Health and Welfare Trust does

Northern Illinois & Iowa Laborers Health and Welfare Trust is a jointly trusteed Taft-Hartley multiemployer welfare benefit plan, not a conventional for-profit insurer. It is governed by a Board of Trustees representing labor and management and is funded exclusively by employer contributions required under collective bargaining agreements — most prominently with Laborers Local 309 — paid on behalf of eligible employees based on hours worked. Eligibility requires 1,000 hours of contributions within any 12 consecutive month period, after which the worker and dependents gain access to a unified benefits package that includes medical coverage through a UnitedHealthcare Shared Services PPO network, dental ($1,500 annual max), vision ($500 annual max), prescription drugs via Sav-Rx, mental health and substance abuse treatment, $20,000 life/AD&D insurance, short-term disability ($300/week for 13 weeks), plus specialty benefits such as transplant coverage ($500,000 per transplant), IVF (up to $15,000 lifetime), chiropractic/massage therapy, rehabilitation therapy, and home health care. The plan is self-funded and operates under ERISA with compliance to the Affordable Care Act and the No Surprises Act.

The fund does not sell coverage commercially and has no direct distribution; benefits flow through the CBA channel and are delivered via a stack of third-party administrators and provider networks. Member-facing digital infrastructure includes a Teladoc virtual-visit program at 100% coverage, a MedExpert Health pricing-comparison tool, and LuxSci-powered secure online claim forms, all accessed via the trust's primary communication channel at laborerswelfare309.com. Day-to-day operations are run from a single fund office at 2837 7th Avenue in Rock Island, Illinois, staffed by a team including fund administrators Samantha Gange and Jody Lentz, with member phone support at 1-309-786-3361. Revenue figures are not publicly disclosed; financial inflows consist entirely of employer contributions tied to covered labor hours, and the trust retains discretion to amend, expand, reduce, or terminate benefits without vested member rights — a structural feature typical of Taft-Hartley welfare plans.

Name

Northern Illinois & Iowa Laborers Health and Welfare Trust

Legal name

Northern Illinois & Iowa Laborers Health and Welfare Trust

Website

https://laborerswelfare309.com

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Northern Illinois & Iowa Laborers Health and Welfare Trust is a Taft-Hartley multiemployer welfare fund providing medical, dental, vision, prescription, life, and disability benefits to union laborers and dependents in Northern Illinois and Iowa, funded by employer contributions under collective bargaining agreements.

Ownership category

akta.pro rank

Product category

Multiemployer Health and Welfare Benefits

NAICS

Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251)

SIC

Services-Membership Organizations (8600)

akta.pro primary industry

Taft-Hartley / Union Multiemployer Group Health Plans (FSAIAFAG)

Keywords

• Health insurance benefits
• Welfare benefit plans
• Multiemployer trust funds
• Union health coverage
• Group benefit plans

Headquarters

HQ city

Rock Island

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Personnel, Infrastructure, Technology or R&D, Others, Marketing or Sales

Revenue model

1. Employer Contributions: The trust receives contributions from employers who have collective bargaining agreements with participating unions. Contributions are made on behalf of eligible employees based on hours worked. Employers must have an effective labor agreement with a participating Union that requires payment of contributions to the Fund.

Pricing tiers

Distribution channels1 record

Marketing channels2 records

Core offering

Northern Illinois & Iowa Laborers Health and Welfare Trust is a self-funded Taft-Hartley multiemployer benefit plan that provides comprehensive health and welfare coverage to eligible union laborers and their dependents. The plan delivers medical, dental, vision, prescription drug, life insurance, short-term disability, mental health/substance abuse, transplant, fertility, rehabilitation, home health, and chiropractic/massage therapy benefits, funded by employer contributions remitted under collective bargaining agreements.

Product overview

Northern Illinois & Iowa Laborers Health and Welfare Trust operates as a multi-benefit health and welfare plan providing comprehensive benefits to eligible union laborers and their dependents. The plan is administered as a unified portfolio of core insurance and healthcare products, including Medical Benefits (with PPO network through UnitedHealthcare), Dental Care, Vision Care, and Prescription Drug Benefits (via Sav-Rx), along with Life Insurance ($20,000), Short-Term Disability ($300/week for 13 weeks), Mental Health/Substance Abuse coverage, and specialty benefits like Transplant ($500,000 max), Fertility ($15,000 lifetime max), and Chiropractic/Massage Therapy. Supporting modules include Virtual Visits powered by Teladoc (100% coverage), an Online Claim Form system, a Medical Pricing Comparison Tool, and the Summary Plan Description document. The plan structure uses tiered coverage with in-network vs. out-of-network cost-sharing, annual deductibles ($300 individual/$900 family), and out-of-pocket maximums ($2,300 individual/$6,900 family in-network).

Differentiator

Problem solved

Functional benefit

Products and services

• Medical Benefits Comprehensive medical coverage including hospital and physician benefits, emergency room services, preventive care, and specialty services. PPO network through UnitedHealthcare Shared Services provides 80% coverage for in-network services versus 60% for out-of-network. Subject to a $300 individual / $900 family annual deductible and out-of-pocket maximums. Available to eligible union laborers and their dependents.
• Dental Care Expense Benefit Dental coverage with a $1,500 calendar year maximum per person. Adults receive coverage for eligible dental expenses; children under 18 receive 100% preventive care (two exams and one set of x-rays per year) not subject to the annual limit. Orthodontia for under-18 dependents has a $1,000 lifetime maximum. Available to all eligible plan participants and dependents.
• Vision Care Expense Benefit Vision coverage with a $500 calendar year maximum per person (does not apply to individuals under age 18). Covers complete vision exams, prescribed lenses, frames, and contact lenses. Under-18 benefits include a $250 frame allowance and $250 lens allowance per prescription. Available to all eligible plan participants and dependents.
• Prescription Drug Benefits Prescription drug program administered by Sav-Rx with Retail Card Program (30-day supply) and Mail Service Program (90-day supply). Generic medications at $10 retail / $20 mail order copayment; brand name medications at $20 retail / $40 mail order copayment. Specialty drugs have a $20 copayment for 30-day supply in-network only. Smoking cessation drugs available with $10/$20 copays for 30-day supply, limited to two 90-day courses per year.
• Life Insurance Benefit $20,000 life insurance benefit for active employees provided through a separate insurance policy. Includes accidental death and dismemberment insurance with a maximum benefit of $20,000. Available to eligible active union laborers.
• Short-Term Disability Benefit Short-term disability coverage providing $300 per week for a maximum of 13 weeks. Benefits begin on the first day of an accident and the eighth day of sickness. Available to eligible active union laborers.
• Virtual Visits (Teladoc) Telemedicine service allowing members to speak with a doctor anytime, anywhere. The plan pays 100% with no deductible or copay when using UHC's Teladoc program. Available to all eligible plan participants.
• Mental Health and Substance Abuse Benefits Coverage for mental health and substance abuse treatment. Inpatient treatment at 80% PPO/60% Non-PPO. Outpatient treatment with $5 copayment for provider office visits. Includes facility benefits. Pre-certification required for facility stays through UMR.
• Transplant Benefits Transplant expense coverage with $500,000 per transplant maximum. OptumHealth Transplant Network providers receive 90% coverage of $10,000 (then 100%); PPO or Non-PPO providers receive 70% coverage of $10,000 (then 100%). Available to eligible plan participants.
• Chiropractic Care and Massage Therapy Plan pays 80% for in-network providers and 60% for out-of-network providers up to $50 per visit. Available to eligible plan participants.
• Rehabilitation Therapy Combined limit of 50 visits per calendar year for all inpatient/outpatient physical, occupational, and speech therapies. Visits exceeding 8 per injury/illness must be pre-certified with Telligen. Available to eligible plan participants.
• Home Health Care $40 per visit home health care benefit. Each visit by a home health team member counts as one visit; four hours of home health aide service counts as one visit. Sav-Rx M2P Program for home infusion is not subject to the visit cap. Available to eligible plan participants.
• In Vitro Fertilization and Fertility Treatments Plan pays 50% up to a $15,000 lifetime maximum per person for IVF and fertility treatments. Available to eligible plan participants.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Partnerships

Four partnerships are on record, tiered core.

• UnitedHealthcare Shared ServicescoreTechnology or IntegrationPPO Provider Network for medical benefits. Members access in-network providers at higher coverage rates (80% in-network vs 60% out-of-network). Network information available at www.whyuhc.com/uhss.
• UMRcoreTechnology or IntegrationUtilization Review (Pre-certification) services for the plan. Contact: 1-877-257-7110. Handles pre-certification for hospital stays, mental health/substance abuse facility stays, skilled nursing facilities, and certain outpatient procedures.
• Sav-RxcoreTechnology or IntegrationPrescription drug benefit administrator for Retail Card and Mail Order Programs. Located at 224 North Park Ave, Fremont, NE 68025. Contact: 1-800-228-3108. Website: www.savrx.com. Also provides Sav-Rx M2P Program for home infusion of prescription drugs.
• Teladoc HealthcoreTechnology or IntegrationVirtual visit telemedicine service available to members. Contact: 800-835-2362. The Plan pays 100% with no deductible or copayment for using UHC's Teladoc program. Members can speak with a doctor anytime, anywhere.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Others

• Laborers' International Union of North America (LIUNA): International union that establishes and oversees affiliated local health and welfare trust funds like the subject company, providing governance frameworks, contribution structures, and benefit design guidance for regional Laborers funds.
• Service Employees International Union (SEIU): Major labor union operating affiliated health and welfare benefit plans for unionized workers in service industries; comparable in establishing affiliated benefit plan structures serving union members.

Broad incumbents

• UnitedHealth Group: Major national health insurer whose UnitedHealthcare Shared Services and Teladoc divisions provide the PPO network and telemedicine used by the subject trust; comparable as a broad incumbent offering group health infrastructure to multiemployer plans.
• Elevance Health: Major US health insurance carrier offering group health plans, PPO networks, and pharmacy benefits comparable to those serving multiemployer Taft-Hartley funds across multiple states.
• The Cigna Group: Major health services company providing PPO networks, PBM services, and benefits administration comparable to the underlying infrastructure relied upon by multiemployer welfare funds.
• CVS Health: Healthcare conglomerate offering PBM (Caremark) and health insurance (Aetna) services comparable to the role Sav-Rx and UnitedHealthcare play for the subject trust, with similar pharmacy and insurance infrastructure at much greater scale.
• Blue Cross Blue Shield Association: National federation of health insurance carriers offering PPO and HMO products comparable to UnitedHealthcare's network used by the subject trust, serving employer-sponsored group health plans nationally.
• Health Care Service Corporation (HCSC): Mutual company operating Blue Cross Blue Shield plans in multiple states including Illinois and Iowa, the subject trust's operating geography; comparable as a regional broad incumbent offering PPO and group health products.

Direct peers

• International Brotherhood of Teamsters: Major US labor union operating a network of regional health and welfare trust funds for its members across multiple industries; comparable in administering multiemployer-style benefit plans serving unionized workers.
• International Brotherhood of Electrical Workers (IBEW): Major US union jointly administering with NECA a network of regional health and welfare trust funds for electrical construction workers; directly comparable as a jointly trusteed multiemployer health fund structure in the construction trades.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Northern Illinois & Iowa Laborers Health and Welfare Trust