Massachusetts Laborers’ Benefit Funds

What Massachusetts Laborers’ Benefit Funds does

Massachusetts Laborers' Benefit Funds (MLBF) is a Taft-Hartley multi-employer benefit fund headquartered at 1400 District Avenue, Burlington, Massachusetts, established in 2005 through collective bargaining between the Massachusetts and Northern New England Laborers' District Council (affiliated with LiUNA) and signatory employer associations. The fund is governed by a Board of Trustees with equal labor and management representation, a structure inherent to Taft-Hartley entities, and is not owned by any parent company or private equity sponsor. It celebrated its 20th anniversary in 2025.

MLBF administers four core benefit pools for eligible union laborers and their dependents across Massachusetts, Maine, New Hampshire, and Vermont: Health & Welfare (medical, dental, vision through BCBSMA, Davis Vision/Warby Parker, and Express Scripts/Accredo), Pension (guaranteed monthly retirement income with 5-year vesting and 30-credit full retirement), Annuity (retirement savings with safe-return investments), and Legal Services (free counsel for up to three qualifying cases annually, including home buying, immigration, family law, and criminal matters). Underlying technology is conventional benefit administration: ISSI Systems-hosted member, contractor, and administrative dashboards, Online Remittance Processing, Photo ID Roster Maintenance, and the BCBSMA MyBlue mobile app for member-facing health tools. The organization operates a small staff (11-50 employees) supporting thousands of members through digital portals, multilingual content (English, Spanish, Portuguese), SMS text updates, and regional health fairs.

The business model is funded by employer contributions remitted by signatory contractors based on hours worked by covered employees, the standard mechanism for Taft-Hartley multi-employer funds. Members access services through hour-based eligibility tiers (e.g., 300 hours for Massachusetts Legal Services eligibility, 700-1,000 hours for Health & Welfare Plan A/B tiers). Beyond the core funds, MLBF layers in wellness and support services — health coaching, mental health crisis lines (988, Laborers' Support Network), addiction recovery (LEAN), CPR certification, Blue365 discounts, and joint health fairs with the New England Laborers' Health and Safety Fund — to deepen member engagement without altering the underlying contribution-based revenue mechanics.

Name

Massachusetts Laborers’ Benefit Funds

Legal name

Massachusetts Laborers' Benefit Funds

Website

https://mlbf.org

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Massachusetts Laborers' Benefit Funds is a Taft-Hartley multi-employer benefit fund that administers Health & Welfare, Pension, Annuity, and Legal Services plans for union construction laborers and their families across Massachusetts, Maine, New Hampshire, and Vermont, funded by employer contributions under collective bargaining.

Ownership category

akta.pro rank

Product category

Multi-Employer Benefit Fund Administration

NAICS

Health and Welfare Funds (52512), Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251), Pension Funds (525110), Pension Funds (52511)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

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

akta.pro secondary industries

Benefits Administration & Total Rewards Outsourcing (BPACAKAE), Workforce Benefits Administration (Enrollment & Deductions) (BPACAIAF), Worksite Financial Wellness & Employee Assistance Programs (EAP) (FSAIAMAN)

Keywords

• Multi-employer benefit fund
• Union health welfare benefits
• Pension plan administration
• Annuity retirement fund
• Legal services fund

Headquarters

HQ city

Burlington

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Employer Contributions: Multi-employer Taft-Hartley benefit fund sustained by employer contributions from contractors who employ union laborers. Contributions are based on hours worked by covered employees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Massachusetts Laborers' Benefit Funds is a Taft-Hartley multi-employer benefit fund that administers Health & Welfare (medical, dental, vision, wellness), Pension, Annuity, and Legal Services benefits for union laborers and their dependents in Massachusetts and Northern New England. It is funded by employer contributions based on hours worked and governed by a Board of Trustees with equal labor and management representation.

Product overview

Massachusetts Laborers' Benefit Funds provides a comprehensive suite of four core benefit funds for union laborers: Health & Welfare (medical, dental, vision, wellness), Pension (guaranteed monthly retirement income), Annuity (retirement savings), and Legal Services (free legal counsel for up to 3 cases annually). The organization offers digital self-service through member dashboards and online portals, plus wellness programs including health coaching, mental health support lines (988, LSN, LEAN), CPR training, and regional health fairs. All four funds work together to support members from apprenticeship through retirement, with eligibility based on hours worked.

Differentiator

Problem solved

Functional benefit

Products and services

• Health and Welfare Fund Comprehensive health insurance coverage including medical visits, hospitalizations, dental care, vision care, and wellness benefits for union laborers and their dependents. Covers Plan A (1,000 hours) and Plan B (700 hours) eligibility tiers and transitioned to Blue Cross Blue Shield of Massachusetts EPO network effective July 1, 2025.
• Pension Fund Guaranteed monthly retirement income for vested union laborers. Requires 5 years of pension credits with 1 credit earned per 1,000 hours worked annually; full retirement at 30 credits; early retirement available at age 55 with reduced benefits. Pension increase announced for 2022 for those who worked at least 250 hours in 2020 or later.
• Annuity Fund Retirement savings fund providing safe returns on investments. Members can access funds at age 65 with pension or Social Security, early retirement (55–65), age 72+ still working, after one year without covered employment, or with permanent disability.
• Legal Services Fund Free legal counsel and representation for up to 3 qualifying cases per year with no attorney fees. Covers home buying, used car purchases, debt disputes, estate management, bankruptcy, divorce, criminal matters, and immigration. Requires 300 eligible hours for Massachusetts members or 450 eligible hours for Maine, New Hampshire, and Vermont members.
• Member Dashboard Online self-service portal allowing members to view work history, check registered hours, access benefit information, and manage their accounts through ISSI Systems.
• Online Remittance Processing System Employer-facing system for processing benefit contributions and remittance payments to the fund through ISSI Systems.
• Photo ID System Photo ID card issuance and roster maintenance system for members to verify eligibility at job sites.
• Regional Health Fairs Free health fairs organized with the New England Laborers' Health and Safety Fund, offering flu vaccines, COVID-19 immunizations, blood pressure, glucose, cholesterol, bone density, vision, hearing, prostate exams, lung function, and skin assessments.
• Health Coaching Program Free personalized health coaching through Kristin Woodruff to help members set realistic goals, make lasting lifestyle changes, find motivation, and navigate available health resources. Available at 781-272-1000 ext. 577.
• Laborers' Support Network Free support for family matters, grief, and mental health challenges, available 24/7 in English, Spanish, and Portuguese at 800-522-6763.
• Laborers Escaping Addiction Now (LEAN) Substance addiction and dependency support program for members and families struggling with substance use, available at 1-844-423-LEAN.
• CPR Certification Classes Free CPR certification classes (including AED/defibrillator training) provided through the New England Laborers' Training Association at local Union Halls.

Quantifiable outcome

• Free legal assistance for up to 3 cases per year with no attorney fees for eligible members
• +1 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Warby ParkerminorOthers · 1 July 2025Vision provider added to Davis Vision network as of July 2025, offering virtual eye exams, online shopping, home try-on, and retail locations.
• Blue Cross Blue Shield of Massachusetts (BCBSMA)coreOthersPrimary health insurance provider for the Health & Welfare Fund, offering EPO network coverage starting July 2025 (transitioning from Cigna). Members use MyBlue app for benefits management.
• Davis VisioncoreOthersVision benefits provider covering eye exams and glasses or contacts every 24 months.
• Express ScriptscoreOthersPharmacy benefit manager for prescription medications.
• New England Laborers' Health and Safety FundcoreStrategic or Co-development PartnerCo-organizer of regional health fairs providing free health screenings, vaccinations, and wellness services to members and families.
• New England Laborers' Training AssociationminorOthersProvides CPR certification classes for laborers through local Union Halls.
• Laborers' Support NetworkminorOthersMental health and support services for laborers, available 24/7 in English, Spanish, and Portuguese at 800-522-6763.
• LEAN (Laborers Escaping Addiction Now)minorOthersSubstance addiction support program for laborers and family members, available at 1-844-423-LEAN.
• 988 HotlineminorOthersNational suicide and crisis hotline available 24/7 for mental health crises, accessible by call or text.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Market position

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/masslaborersbenefits

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Massachusetts Laborers’ Benefit Funds