District Council 16 Northern California Health & Welfare Trust Fund

What District Council 16 Northern California Health & Welfare Trust Fund does

District Council 16 Northern California Health & Welfare Trust Fund is a jointly-trusteed Taft-Hartley multiemployer welfare benefit plan established under ERISA, providing health and welfare benefits to members of the International Union of Painters and Allied Trades (IUPAT) District Council 16 and their dependents in Northern California. The plan serves workers in the painters, glaziers, and resilient floor covering trades whose signatory employers make required hourly contributions under collective bargaining agreements; participants working at least 130 hours per month receive 100% employer-paid coverage, with surplus contributions accumulating in a Cash Bank reserve for short-hour months. Retirees receiving pensions from qualifying plans (Bay Area Painters, Northern California Glaziers, Resilient Floor Covering, and IUPAT/IBPAT) and their dependents are also eligible.

The fund delivers a unified benefits platform spanning medical (Anthem Blue Cross PPO/APPO and Kaiser HMO options), prescription drugs (WellDyneRx, including mail-order and the WellView portal), dental (Delta Dental Indemnity PPO, DeltaCare USA HMO, UHC Dental), vision (VSP with TruHearing hearing discounts), mental health and substance abuse treatment (BEAT IT/Anthem), care counseling (Health Services Foundation, effective January 2026), a wellness program (Smart Choices/Healthy Rewards), an HRA for out-of-pocket medical reimbursements (L1 OnDemand), COBRA continuation, a maternity leave program, and an Employee Assistance Program. The plan is administered by Health Services & Benefit Administrators (HS&BA) out of Dublin, California, with employer remittance handled through the i-Remit online reporting and ACH payment portal (ISIsystems) and participant self-service through ISIsystems participant login and trustee portals. The fund is governed by an equal-representation labor/management Board of Trustees and is not a corporate entity — it has no parent company, no public ticker, and no equity ownership structure.

Name

District Council 16 Northern California Health & Welfare Trust Fund

Legal name

District Council 16 Northern California Health & Welfare Trust Fund

Website

https://dc16trustfund.org

Company type

Private

Operating status

Operating

Short description

The District Council 16 Northern California Health & Welfare Trust Fund is a jointly-trusteed Taft-Hartley multiemployer welfare benefit plan that provides medical, dental, vision, prescription, mental health, wellness, and COBRA benefits to IUPAT District Council 16 painters, glaziers, floor covering workers, retirees, and dependents in Northern California, funded by bargained employer hourly contributions.

Ownership category

akta.pro rank

Product category

Multiemployer Health & Welfare Benefits

NAICS

Health and Welfare Funds (52512), Insurance and Employee Benefit Funds (5251), Other Insurance Funds (525190)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321), Services-Social Services (8300)

akta.pro primary industry

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

akta.pro secondary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

Keywords

• Health and welfare benefits
• Taft-Hartley trust fund
• Multiemployer health plan
• Union health benefits
• Construction trade benefits

Headquarters

HQ city

Dublin

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Employer Hourly Contributions: Bargained hourly employers make required hourly contributions to the Trust Fund on behalf of covered employees. Eligibility requires 130 hours minimum per month for 100% employer-paid coverage. Contributions accumulate in a 'Cash Bank' system for months when employees work fewer hours.
2. Participant Self-Payments: Self-payments from participants who work less than 130 hours per month to cover the dollar shortfall between employer contributions and required monthly healthcare contributions. Also includes retiree self-pay premiums.

Pricing tiers

Distribution channels7 records

Marketing channels4 records

Core offering

The District Council 16 Northern California Health & Welfare Trust Fund is a jointly-trusteed Taft-Hartley multiemployer benefit plan that pools negotiated hourly employer contributions from signatory contractors in the painting, glazing, and resilient floor covering trades to provide comprehensive health and welfare benefits (medical, dental, vision, prescription drugs, mental health, wellness, maternity leave, COBRA, and death benefits) to eligible union members, retirees, and their dependents in Northern California.

Product overview

District Council 16 Northern California Health & Welfare Trust Fund is a Taft-Hartley multi-employer health and welfare trust fund serving union workers in the International Union of Painters and Allied Trades (IUPAT) in Northern California. The organization operates a unified benefits platform offering medical plans (Anthem Blue Cross PPO/APPO and Kaiser HMO), prescription drug benefits (WellDyneRx), dental plans (Delta Dental Indemnity, DeltaCare USA, UHC Dental), vision care (VSP), mental health/substance abuse benefits, care counseling (via Health Services Foundation), a Smart Choices/Healthy Rewards wellness program with an associated HRA, maternity leave, COBRA continuation, and an Employee Assistance Program. It is administered by Health Services & Benefit Administrators (HS&BA). The fund provides employer-facing tools including the i-Remit online reporting and remittance portal, participant and trustee login portals (ISIsystems), and an HRA account management tool (L1 OnDemand).

Differentiator

Problem solved

Functional benefit

Products and services

• Indemnity Medical Plan (Blue Cross PPO)

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature3 records

Partnerships

15 partnerships are on record, tiered core.

• Health Services & Benefit Administrators (HS&BA)coreImplementation/ SI/ Consulting PartnerPlan Administrator for the Trust Fund. Manages all Trust Fund operations, participant inquiries, eligibility processing, and claims administration. Located in Dublin, CA.
• Anthem Blue CrosscoreTechnology or IntegrationMedical insurance carrier providing Blue Cross PPO and Blue Cross Advantage PPO network plans. Handles medical claims processing and provider networks.
• Kaiser PermanentecoreTechnology or IntegrationHMO medical plan provider for participants in Kaiser service areas. Offers Kaiser Premier Plan, Kaiser DHMO Plan, and Kaiser Early Retiree Plan.
• Delta DentalcoreTechnology or IntegrationDental benefits administrator providing Indemnity Dental Plan (PPO) under Group #0308 with extensive provider network.
• DeltaCare USAcoreTechnology or IntegrationPrepaid dental HMO plan for California residents under Group #6123.
• United Healthcare Dental (UHC Dental)coreTechnology or IntegrationPrepaid dental HMO option available to all members under Group #712019.
• VSP (Vision Service Plan)coreTechnology or IntegrationVision care plan administrator providing routine vision exams and coverage, plus TruHearing hearing aid discount program.
• WellDyneRxcoreTechnology or IntegrationPharmacy benefit manager (PBM) handling prescription drug coverage including mail-order service and WellView member portal.
• BEAT ITcoreTechnology or IntegrationMental health and chemical dependency treatment prior authorization and claims processing for inpatient services.
• Health Services Foundation (HSF)coreTechnology or IntegrationCare Counseling services provider replacing MedExpert effective January 1, 2026. Provides one-on-one guidance for participants navigating healthcare decisions.
• International Union of Painters and Allied Trades (IUPAT)coreStrategic or Co-development PartnerParent labor union for District Council 16. Collective bargaining agreements with signatory employers fund the Trust Fund.
• Northern California Glaziers Pension PlancoreStrategic or Co-development PartnerPension fund for glaziers. Retirees receiving pension from this plan qualify for Trust Fund retiree benefits.
• Bay Area Painters and Tapers Pension Trust FundcoreStrategic or Co-development PartnerPension fund for painters and tapers. Production workers receiving pension from this plan qualify for Trust Fund retiree benefits.
• Resilient Floor Covering Pension PlancoreStrategic or Co-development PartnerPension fund for resilient floor covering workers. Retirees from this plan qualify for Trust Fund retiree benefits.
• IUPAT Pension Plan (IBPAT)coreStrategic or Co-development PartnerInternational union pension plan. Production workers receiving pension from this plan qualify for Trust Fund retiree benefits.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks3 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/dc16iupat

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 District Council 16 Northern California Health & Welfare Trust Fund