Central Laborers' Pension Welfare & Annuity Funds

What Central Laborers' Pension Welfare & Annuity Funds does

Central Laborers' Pension, Welfare, and Annuity Funds is a multi-employer Taft-Hartley benefit trust established in 1965 and headquartered in Jacksonville, Illinois. The fund delivers three core benefit products to members of the Laborers' International Union of North America (LiUNA) working under signatory collective bargaining agreements: a defined-benefit Pension Plan with total and occupational disability coverage, a defined-contribution Annuity Fund with multiple withdrawal options, and a Health and Welfare Fund providing medical (BCBS PPO and HealthLink networks), dental ($2,500/calendar year maximum), vision ($300/year), hearing, and prescription drug benefits (administered by CVS/Caremark). Additional support includes a Family Assistance Program and the CLWF LEAN initiative for addiction and mental health recovery.

The organization operates three web-based self-service portals: MemberXG for pension and annuity account access, the gobasys Employer Portal for electronic remittance and EFT payment submission (introduced January 2007), and the webspyglass Health/Welfare Portal for open enrollment, eligibility, and claims status. Benefit portability for traveling workers is supported through reciprocal transfer agreements with more than 80 partner labor funds spanning Illinois, the broader Midwest, Northeast, Southeast, and Western United States. Compliance posture includes HIPAA, ERISA, the No Surprises Act, and Mental Health Parity requirements, plus a 2011 HHS Waiver of Annual Limits for the Welfare Fund.

Funding flows entirely from signatory employer contributions calculated per hour worked under collective bargaining agreements; the fund does not price or sell benefits directly to members and operates with a small Fund Office staff of 11–50 employees. Governance is jointly administered by a Board of Trustees with equal labor and management representation. Distribution is conducted through union local networks and direct employer relations, with no traditional marketing or demand-generation activity.

Name

Central Laborers' Pension Welfare & Annuity Funds

Legal name

Central Laborers' Pension, Welfare, and Annuity Funds

Website

https://central-laborers.com

Company type

Private

Founded year

1965

Operating status

Operating

Headcount range

11–50 employees

Short description

Central Laborers' Pension, Welfare, and Annuity Funds is a multi-employer Taft-Hartley benefit trust in Jacksonville, Illinois, providing pension, annuity, and health/welfare benefits to LiUNA union construction laborers funded by signatory employer contributions.

Ownership category

akta.pro rank

Product category

Multi-Employer Pension and Welfare Funds

NAICS

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

SIC

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

akta.pro primary industry

Taft-Hartley / Labor Union & Public Sector Retirement Systems (FSAAAGAK)

akta.pro secondary industry

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

Keywords

• Multi-employer pension funds
• Taft-hartley benefit plans
• Union health welfare benefits
• Defined benefit pension
• Construction laborer benefits

Headquarters

HQ city

Jacksonville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Others

Revenue model

1. Employer Contributions: Multi-employer contributions from signatory employers based on hours worked by union laborers. Contributions fund Pension, Annuity, and Health/Welfare benefits. Contribution rates determined by collective bargaining agreements.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Central Laborers' Pension Welfare & Annuity Funds is a multi-employer Taft-Hartley benefit trust that provides a defined benefit Pension Plan, a defined contribution Annuity Fund, and a comprehensive Health and Welfare Fund (medical, dental, vision, hearing, prescription drugs) to union construction laborers (LiUNA members) and their families. Benefits are funded by employer contributions made under collective bargaining agreements based on hours worked, with eligibility determined by accumulated hours and vesting schedules. The fund supports benefit portability through 80+ reciprocal agreements with other labor funds across the United States.

Product overview

Central Laborers' Pension, Welfare, and Annuity Funds is a multi-employer Taft-Hartley benefit fund organization offering three core products: Pension Plan (defined benefit with disability coverage), Annuity Fund (defined contribution with multiple withdrawal options), and Health and Welfare Fund (comprehensive medical, dental, vision, hearing, and prescription benefits). The funds are accessed through member-facing portals (MemberXG for pension/annuity, webspyglass for health/welfare) and an Employer Portal for contribution management. Add-on programs include the Family Assistance Program and CLWF LEAN initiative for addiction and mental health support. The organization participates in reciprocal agreements with approximately 80+ other labor funds for traveling worker portability.

Differentiator

Problem solved

Functional benefit

Products and services

• Pension Plan Defined benefit pension plan for union construction laborers providing retirement income, with Total and Permanent Disability Benefit and Occupational Disability Benefit options. Includes separate Summary Plan Description (SPD) documents for pre- and post-January 1, 2009 entrants.
• Annuity Fund Defined contribution annuity fund offering multiple withdrawal options including age-based, disability, hardship, and rollover distributions, with separate Pre-October 2004 and Post-October 2004 account segments for covered union laborers.
• Health and Welfare Fund Comprehensive health benefits for union construction laborers and their families, including medical (BCBS PPO and HealthLink networks), dental ($2,500/calendar year), vision ($300/year), hearing ($100 exam/$750 aids), and prescription drug coverage administered through CVS/Caremark. Retiree Plan available through HealthLink network.
• Family Assistance Program (including CLWF LEAN) Employee and family assistance program providing grief counseling (MetLife), funeral discount and planning services, addiction support, mental health advocacy, recovery resources, and connections to AA, NA, and suicide prevention hotlines for LiUNA members and their families. The CLWF LEAN (Laborers' Support Network) initiative is the member-facing component of this program.

Quantifiable outcome

• 500 hours in 6-month period grants initial health/welfare eligibility; coverage continues based on quarterly hour contributions
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

88 partnerships are on record, tiered minor.

• Bricklayers Local #8 of IL Pension Fund (St. Louis, MO)minorOthersReciprocal agreement for annuity benefits allowing benefit portability for members working in covered employment across fund jurisdictions.
• Building Laborers' Local 310 (Cleveland, OH)minorOthersReciprocal agreement covering Pension, Welfare, and Annuity benefits for traveling laborers.
• Building Trades United Pension Trust Fund (Milwaukee, WI)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Cement Masons' Local 527 Pension & Welfare Funds (Bridgeton, MO)minorOthersReciprocal agreement covering Pension and Welfare benefits.
• Central IL Bricklayers (East Alton, IL)minorOthersReciprocal agreement for Welfare benefits.
• Cement Masons Local 502 Pension Fund (Bellwood, IL)minorOthersReciprocal agreement for Pension benefits.
• Cement Masons & Plasterers' Local 518 Health Care Fund (Kansas City, MO)minorOthersReciprocal agreement for Welfare benefits.
• Central IL Carpenters Health & Welfare (Lincoln, IL)minorOthersReciprocal agreement for Welfare benefits.
• Chicago Laborers' Pension, Health & Welfare Fund (Chicago, IL)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Chicago Plastering Institute Pension Fund (Alsip, IL)minorOthersReciprocal agreement covering Pension and Welfare benefits.
• Connecticut Laborers' Funds (West Haven, CT)minorOthersReciprocal agreement covering Pension, Welfare, and Annuity benefits.
• Construction Industry Funds of Rockford (Carol Stream, IL)minorOthersReciprocal agreement for Welfare and Annuity benefits.
• Construction Industry Laborers' Pension & Welfare Funds (Kansas City, MO)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Construction Workers Pension Fund (Merrillville, IN)minorOthersReciprocal agreement for Pension benefits.
• Contractors Laborers Teamsters & Engineers Pension Plan (Omaha, NE)minorOthersReciprocal agreement for Pension benefits.
• Employers and Laborers' Locals 100 and 397 (EKON) (St. Louis, MO)minorOthersReciprocal agreement covering Pension, Welfare, and Annuity benefits.
• Fox Valley Construction Workers Pension Fund (Chicago, IL)minorOthersReciprocal agreement covering Pension, Welfare, and Annuity benefits.
• Fox Valley Laborers' Pension, Health & Welfare Funds (Chicago, IL)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Greater Kansas City Laborers' Pension Fund (Overland Park, KS)minorOthersReciprocal agreement for Pension benefits.
• Greater St. Louis Construction Laborers' Pension & Welfare Funds (St. Louis, MO)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Hawaii Laborers' Pension & Welfare Fund (Honolulu, HI)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Illinois State Painters Welfare Fund (Maryland Hts, MO)minorOthersReciprocal agreement for Welfare benefits.
• Indiana State Council of Platers and Cement Masons Fund (Indianapolis, IN)minorOthersReciprocal agreement for Annuity benefits.
• Indiana State District Council Pension & Welfare Fund (Terre Haute, IN)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Indiana Laborers' Defined Contribution Trust Fund (Terre Haute, IN)minorOthersReciprocal agreement for Annuity benefits.
• Indiana State District Council of Roofers Welfare Fund (Lafayette, IN)minorOthersReciprocal agreement for Welfare benefits.
• International Union of Painters & Allied Trades of DC 81 (Des Moines, IA)minorOthersReciprocal agreement for Welfare benefits.
• Iowa Laborers' Health & Welfare Fund (Des Moines, IA)minorOthersReciprocal agreement for Welfare benefits.
• Iron Workers' Mid-America Pension Fund (Lansing, IL)minorOthersReciprocal agreement for Pension benefits.
• Kenosha Building & Construction Trades Welfare Fund (Kenosha, WI)minorOthersReciprocal agreement for Welfare benefits.
• Kenosha Laborers' Local 237 Pension Fund (Kenosha, WI)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Kentucky Laborers' District Council Health & Welfare Funds (Lawrenceburg, KY)minorOthersReciprocal agreement for Welfare benefits.
• Laborers' Funds Administrative Office of Northern California (Pleasanton, CA)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Laborers' Local 130 (Scranton, PA)minorOthersReciprocal agreement for Annuity benefits.
• Laborers' Local 231 Pension, Health, Welfare & Annuity Funds (Pekin, IL)minorOthersReciprocal agreement covering all benefit types: Pension, Welfare, and Annuity.
• Laborers' Local 1174 (Allentown, PA)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Laborers' Local No. 754 Joint Benefit Fund (Chestnut Ridge, NY)minorOthersReciprocal agreement covering Pension, Welfare, and Annuity benefits.
• Laborers' Local 785 Health & Welfare Fund (Ithaca, NY)minorOthersReciprocal agreement for Welfare benefits.
• Laborers' Metropolitan Detroit Health Care Fund (Detroit, MI)minorOthersReciprocal agreement for Welfare benefits.
• Laborers' National Industrial Pension Fund (Washington, DC)minorOthersReciprocal agreement for Pension benefits.
• Laborers' National Pension Fund (Dallas, TX)minorOthersReciprocal agreement for Pension benefits.
• Laborers' Pension & Welfare Funds of Local 186 (Plattsburgh, NY)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Laborers' Pension Trust Fund - Detroit and Vicinity (Detroit, MI)minorOthersReciprocal agreement for Pension benefits.
• Laborers' Tri-County Pension Fund (Wilkes-Barre, PA)minorOthersReciprocal agreement for Pension benefits.
• Local Unions 19 & 127 Health & Welfare Funds (Milwaukee, WI)minorOthersReciprocal agreement for Welfare benefits.
• Massachusetts Laborers' Pension (Burlington, MA)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Michigan Laborers' Pension & Health Care Fund (Eagan, MN)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Minnesota Cement Masons & Plasterers' Pension Fund (Mendota Heights, MN)minorOthersReciprocal agreement for Pension benefits.
• Minnesota Laborers' Pension Fund (Minneapolis, MN)minorOthersReciprocal agreement for Pension and Welfare benefits.
• North Central Illinois Laborers' Health & Welfare Fund (Peoria, IL)minorOthersReciprocal agreement for Welfare benefits.
• Northern Illinois & Iowa Laborers' Health & Welfare (Rock Island, IL)minorOthersReciprocal agreement for Welfare benefits.
• Northern Illinois Annuity Fund (Seattle, WA)minorOthersReciprocal agreement for Annuity benefits.
• Ohio Laborers' District Council - Ohio Contractors Associates Insurance Fund (Westville, OH)minorOthersReciprocal agreement for Welfare benefits.
• Ohio Laborers' District Council & Contractors Pension Fund (Westville, OH)minorOthersReciprocal agreement for Pension benefits.
• Ohio Local #1 Operative Plasterers' & Cement Masons' Pension Fund (Canfield, OH)minorOthersReciprocal agreement for Pension benefits.
• Operative Plasters & Cement Masons Pension Fund (Quorum) (Springfield, IL)minorOthersReciprocal agreement for Pension benefits.
• Operative Plasters & Cement Masons Annuity Fund (Quorum) (Springfield, IL)minorOthersReciprocal agreement for Annuity benefits.
• Operative Plasters & Cement Mason Local 21 Area 561 (Des Moines, IA)minorOthersReciprocal agreement for Pension and Annuity benefits.
• Painters & Glaziers Central & Southern IL (Collinsville, IL)minorOthersReciprocal agreement for Welfare benefits.
• Painters District Council 30 Health & Welfare Fund (Aurora, IL)minorOthersReciprocal agreement for Welfare benefits.
• Painters Local 32 (West Frankfort, IL)minorOthersReciprocal agreement for Welfare benefits.
• Railroad Maintenance & Industrial Health & Welfare Fund (Springfield, IL)minorOthersReciprocal agreement for Welfare benefits.
• Rochester Laborers' Pension, Welfare & Annuity Funds (Rochester, NY)minorOthersReciprocal agreement covering all benefit types: Pension, Welfare, and Annuity.
• St. Louis Painters Welfare Fund (Maryland Hts, MO)minorOthersReciprocal agreement for Welfare benefits.
• South Central Laborers' Welfare (Goodville, TN)minorOthersReciprocal agreement for Welfare benefits.
• Southeast Laborers' Health Fund (Goodville, TN)minorOthersReciprocal agreement for Welfare benefits.
• Southern Illinois Laborers' & Employers' Annuity, Health & Welfare Fund (Marion, IL)minorOthersReciprocal agreement for Welfare and Annuity benefits.
• Southern Ohio Painters' Health & Welfare Fund (Canfield, OH)minorOthersReciprocal agreement for Welfare benefits.
• Southern Painters' Welfare Fund (Pittsburgh, PA)minorOthersReciprocal agreement for Welfare benefits.
• Southwest Laborers' Health & Welfare Fund (Plano, TX)minorOthersReciprocal agreement for Welfare benefits.
• Southwest Multicraft (Albuquerque, NM)minorOthersReciprocal agreement for Welfare benefits.
• Susquehanna Laborers (Harrisburg, PA)minorOthersReciprocal agreement for Pension and Welfare benefits.
• West Virginia Laborers' Pension (Charleston, WV)minorOthersReciprocal agreement for Pension benefits.
• Western Illinois Cement Masons (Rock Island, IL)minorOthersReciprocal agreement for Welfare benefits.
• Western Pennsylvania Pension Fund (Pittsburgh, PA)minorOthersReciprocal agreement for Pension benefits.
• Western Pennsylvania Welfare Fund (Pittsburgh, PA)minorOthersReciprocal agreement for Welfare benefits.
• Wisconsin Laborers' Health Pension Funds (Carol Stream, IL)minorOthersReciprocal agreement for Pension and Welfare benefits.
• Wisconsin Masons' Benefit Fund (Madison, WI)minorOthersReciprocal agreement for Pension benefits.
• Indiana Laborers Pension Fund (812-238-2551)minorOthersReciprocal transfer agreement for pension contributions for members working in Indiana jurisdiction.
• Indiana Laborers Welfare Fund (812-238-2551)minorOthersReciprocal transfer agreement for welfare contributions for members working in Indiana jurisdiction.
• North Central Illinois Laborers' Health & Welfare Fund (309-692-0860)minorOthersReciprocal transfer agreement for welfare contributions for members working in northern Illinois locals.
• Northern Illinois Annuity Fund (855-855-7814)minorOthersReciprocal transfer agreement for annuity contributions for members working in northern Illinois jurisdiction.
• Southern Illinois Laborers' Annuity Fund (618-998-1300)minorOthersReciprocal transfer agreement for annuity contributions for members working in southern Illinois jurisdiction.
• Southern Illinois Laborers' Welfare Fund (618-998-1300)minorOthersReciprocal transfer agreement for welfare contributions for members working in southern Illinois jurisdiction.
• Northern Illinois & Iowa Laborers' Health & Welfare Trust (800-810-2583)minorOthersReciprocal transfer agreement for welfare contributions for members working in northern Illinois/Iowa locals.
• CM & PL Local 518 Health Care Fund (877-518-0518)minorOthersReciprocal transfer agreement for welfare contributions for plasterers and cement masons members.
• Illinois OP & CM Annuity Fund (Quorum) (217-793-7200)minorOthersReciprocal transfer agreement for annuity contributions for operative plasterers and cement masons.
• OPCMIA Local 18 Pension Fund (Quorum) (217-793-7200)minorOthersReciprocal transfer agreement for pension contributions for operative plasterers and cement masons.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Indiana State District Council of Laborers Pension & Welfare Fund: Adjacent-state multi-employer Taft-Hartley fund providing pension and welfare benefits to Indiana union laborers. Reciprocal partner with Central Laborers and operates the same regulatory model under collective bargaining agreements with LiUNA locals.
• Chicago Laborers' Pension, Health & Welfare Fund: Multi-employer Taft-Hartley benefit fund for Chicago-area union laborers, offering pension, health/welfare, and annuity benefits. Geographically adjacent and serves a similar LiUNA construction laborer population under the same regulatory framework.
• Minnesota Laborers Pension Fund: Multi-employer Taft-Hartley pension and welfare fund for Minnesota LiUNA members. Reciprocal transfer partner operating an analogous benefit structure under the same collective bargaining-driven contribution model for union construction laborers.
• Laborers' Funds Administrative Office of Northern California: Multi-employer Taft-Hartley benefit fund administrator for Northern California LiUNA members providing pension, health/welfare, and annuity benefits. Direct reciprocal partner with comparable fund structure and benefit administration services.
• Plumbers Local 130 UA Pension Fund: Multi-employer Taft-Hartley pension and welfare fund for plumbers and pipefitters under a similar collective bargaining model. Reciprocal partner with comparable fund structure but serves the plumbing trade rather than general laborers.
• Laborers' National Pension Fund: National multi-employer defined benefit pension fund for LiUNA members and other construction laborers. Operates a Taft-Hartley structure similar to Central Laborers' Pension Fund and is a reciprocal partner. Comparable in mission, regulatory framework, and beneficiary base.

Broad incumbents

• National Electrical Benefit Fund (NEBF): Multi-employer Taft-Hartley pension fund for IBEW (International Brotherhood of Electrical Workers) members nationwide. Operates a defined benefit pension plan similar in structure and regulatory framework but serves a different building trades craft.
• Central Pension Fund of the IUOE: National multi-employer defined benefit pension fund for International Union of Operating Engineers members. Comparable Taft-Hartley structure serving a different construction trade but with similar benefit design, regulatory compliance, and reciprocal network model.
• Mid-America Carpenters Regional Council Benefit Funds: Multi-employer benefit funds for union carpenters across the Midwest, providing pension, health/welfare, and annuity coverage. Operates similar Taft-Hartley fund structure for a related building trades craft, with reciprocal agreements.

Others

• Laborers' International Union of North America (LiUNA): Parent labor union that charters Central Laborers' Pension Fund through affiliated district councils and locals. Not a competing fund but the organizing body whose collective bargaining agreements generate employer contributions flowing to the fund.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/central-laborers-pension

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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

Frequently asked questions about Central Laborers' Pension Welfare & Annuity Funds