Local 94 annuity - The Local 94 Benefit Funds. Our members work hard to keep our city running. In turn, we strive to provide the best benefit plans to our members and their eligible dependents. The benefits highlighted in this site were developed to provide our members with a comprehensive health and welfare package, as well as security and peace of mind in their ...

 
Family Picnic. The 2024 Local 94 Picnic will be held on Saturday July 20th at the Kruckers Catering and Picnic Grove 81 Call Hollow Road, Pomona, NY. Find details on the annual Family Picnic, including journal ads, directions and ticket prices, in support of the Local 94 Scholarship Fund.. Octordle answers

Your Sick Fund Benefits. Certain eligible members of Local 94 have a Sick Fund account. The money in your Sick Fund account can be used to pay you for days when you are sick and miss work. Without the Sick Fund, you will not be paid when you miss work due to an illness. The money in your Sick Fund account comes from Employer contributions. You ...The Local 94 Health and Benefit Trust Fund. Local 94 and our Contributing Employers care about your health and welfare. That is why we have set up the Health and Benefit Trust Fund to help you pay for your medical, dental and vision needs. The Health and Benefit Trust Fund offers benefit plans that give you coverage where you need it most. International Union of Operating Engineers Local Union No. 94, 94A, 94B and Affiliated Funds, AFL-CIO 331-337 West 44th Street New York, NY 10036. Local 94. Main Number: (212) 245-7040. Business Agents. Kuba Brown Business Manager/Financial Secretary [email protected] or (212) 245-7040; Ray Macco Find answers to frequently asked questions about the Local 94 Sick Fund. Local 94 Operating Engineers. ... Annuity Fund; Training Fund; Scholarship Fund; Central ... Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, New York. Product features and availability may differ by state. To obtain a copy of the full annual report, or any part thereof, write or call the office of Board of Trustees Annuity Fund of the I.U.O.E. Local Union 94, 94A, 94B AFL-CIO at 331-337 West 44th Street, New York, NY 10036-5402, or by telephone at (212) 459-8948.A bag of cement weighs 94 pounds. Concrete mix typically uses five bags of cement, or 470 pounds, per yard of concrete to be poured. Concrete mix includes rocks and sand along with...IRA Rollover –This option allows you to transfer your Local 94 Annuity Fund to an Individual Retirement Account (IRA) where you can take a portion of your distribution as a cash payment and elect to have the remaining balance invested in stocks, bonds, mutual funds, or even life time annuity investments.Keep your money in your Local 94 Annuity Plan 8 Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59 1/2 may be subject to an early distribution penalty of 10%. Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to preventFind answers to frequently asked questions about the Local 94 Sick Fund. Local 94 Operating Engineers. ... Annuity Fund; Training Fund; Scholarship Fund; Central ...The Local 94 Trustee-directed Annuity Fund is a broadly diversified portfolio that includes a number of different asset classes. The Board of Trustees (Trustees) has established an asset mix designed to protect the principal of the Plan while taking advantage of the returns of the investment markets to provide growth of participant accounts.To obtain a copy of the full annual report, or any part thereof, write or call the office of Board of Trustees Annuity Fund of the I.U.O.E. Local Union 94, 94A, 94B AFL-CIO at 331-337 West 44th Street, New York, NY 10036-5402, or by telephone at (212) 459-8948.An annuity is a customizable contract issued by an insurance company that converts an investor’s premiums into a guaranteed, fixed-income stream. More specifically, an annuity contract is a legally binding, written agreement between you and the annuity provider that issues the contract. This contract transfers your longevity risk — the risk ...Find and download different forms relating to Local 94 and its affiliated Benefit Funds. Local 94 Forms. Contact Information Form (PDF) Dues Checkoff Form (PDF) PAC Checkoff Form (PDF) Annuity Fund Forms. For all Annuity Fund Forms, such as a distribution request, loan application or beneficiary form, please visit the mylife.jhrps.com. website. Toll Free Customer Support: CLICK HERE TO CALL US. 833-970-7999. Mon-Fri 9am - 6pm EST. QDRO.com Premium QDRO Drafting Service for ANNUITY FD OF THE IUOE LOCAL UNION 94, 94A, 94B AFL-CIO only costs $399 and includes unlimited revisions until accepted by the plan and court. Loss of Time Benefits. If you are an eligible Active Member and unable to work due to an Accidental Injury or illness off the job, you will receive a net income of $100 per week for up to 26 weeks. The Fund will pay both your share and the Contributing Employer’s share of FICA taxes on this income. This benefit is only available for Active ...Partition Order. On December 20, 2018, PBGC issued an order partitioning the Plasterers & Cement Masons Local No. 94 Pension Plan. PBGC issued this order after finding that the plan’s application for partition, dated March 30, 2018, satisfied all the requirements for partition under the Multiemployer Pension Reform Act of 2014.For scholarship winners selected subsequent to January 1, 2019, each scholarship will be for $2,500 per year for four years for a total of $10,000. For scholarship winners selected prior to January 1, 2019, each scholarship will be for $2,000 per year for four years for a total of $8,000. The amount of the scholarship may be increased or ...Session #13 Refrigerating System Operating Engineer Course [5:00 pm-8:00 pm] Session #13 Fire Life Safety Directors [12:30 pm-3:30 pm] Session #9. Learn about the Local 94 Training Fund including how to apply, read course descriptions and view a …Local 94 Annuity Fund. AS OF 2023-12-31. INVESTMENT STRATEGY: The overall investment objectives of the Fund shall be the preservation of capital and the real purchasing power of its assets.FInd out how to participate in the Local 94 Health and Benefit Trust Funds, including enrolling dependents, eligibility requirements and coordination of benefits. Local 94 Operating Engineers. Member Portal. ... 15 years of Total Credited Service (as defined in the Central Pension Plan) Be receiving a pension from the Central Pension Plan;UFA Local 94. 347-525-4477 [email protected]. Hours. Member Services 204 East 23rd Street, New York, NY 10010 212-683-4832 [email protected] UFA Webmaster. Name * First Name. Last Name. Email Address * Message * Thank you! Quick Links. Forms; Links; Submit Documents; Accessibility Statement; Powered By: ...**Does not adjust for prescription rebates. of TRS benefit payments were spent locally in Texas. 94%. Pension Annuities. (in ...Annuitization: Converting the account from a deferred annuity to a payout annuity. ... U.S. federal, state or local tax penalties. ... EQUI-VEST® Series 801: ...Family Picnic. The 2024 Local 94 Picnic will be held on Saturday July 20th at the Kruckers Catering and Picnic Grove 81 Call Hollow Road, Pomona, NY. Find details on the annual Family Picnic, including journal ads, directions and ticket prices, in support of the Local 94 Scholarship Fund.The Culinary Union said workers will have the option to get a service recognition bonus of $2,000 for every year of work, plus six months of pension and …Home; Affiliated Funds; Health and Benefit Trust Fund; Active Member Benefits; Death Benefit; Death Benefit. If you are an eligible Active Member, your beneficiary will receive a payment of $25,000 upon your death from any cause either on or off the job while eligible for this benefit under the Plan.. If you are an eligible Retiree, your beneficiary will receive a …IUOE South Central Annuity Fund. Withdrawal ... Southwest Asbestos Workers Local 94 Pension Plan ... Insulators Local Union 21 Pension Plan. Direct Deposit Form.Jan 1, 2024 · Annuity Fund of the International Union of Operating Engineers Local Union 94-94A-94B, AFL-CIO Board of Trustees Union Trustees Employer Trustees Kuba J. Brown c/o IUOE Local 94-94A-4B 331-337 West 44th Street New York, NY 10036 Howard Rothschild c/o Realty Advisory Board One Penn Plaza, Suite 2110 New York, NY 10119 Raymond Macco Keep your money in your Local 94 Annuity Plan 7 Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59 1/2 may be subject to an early distribution penalty of 10%. Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to prevent of the Plan are held, invested and reinvested, and known as the agreement and Declaration of. Trust of the N.Y.C. Local S.E.I.U. Annuity Fund may be amended from time to time. 1.19. Trustee or Trustees means the person or persons named as Trustees under. the Trust, and any successor Trustee thereunder. 1.20.Humana Medicare Customer Care: (800) 733-9064, Monday - Friday, 7 a.m. - 8 p.m. Central Time. Your vision benefit network is administered by the Plumbers & Pipefitters Local 94 …Please call the Union Office at (212) 331-1800. You can also visit the Contact Us page for more information.Paid Leave And Unemployment Q&A. April 14, 2020. Paid Leave And Unemployment Q&A (Updated - April 14, 2020) The Local 94 Health and Benefit Funds offer members and their eligible dependents medical, dental, vision, retiree, accidental death and dismemberment, death and loss of time benefits. To meet this goal, there are four sources of medical benefits available to you as a Member: PPO benefits and hospital benefits through Anthem Blue Cross, Prescription benefits through OptumRx, Dental benefits through Local 94 and Sele-Dent, and/or. Certain non-PPO benefits, such as Eye Care, Hearing Aids, Loss of Time & Death Benefits, are self ... For those retirees who satisfy the eligibility requirements, the School Medicare Retiree Plan benefits are limited to a Death Benefit and Medicare Related Premium Reimbursements. (See School Retiree Plan Covered Services below for more information.) There are two medical plan options for the School Retirees: The PPO Retiree Plan (must pay a ... John Hancock Retirement Plan Services, LLC offers administrative or recordkeeping services to sponsors and administrators of retirement plans. John Hancock Trust Company LLC provides trust and custodial services to such plans. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston ... Local 94 does not have a relationship with any mortgage companies, but you may be able to find discounted services at Union Plus. Union Plus is brought to you by Union Privilege, which was established by the AFL-CIO. It provides consumer benefits and discounts to members and retirees of participating labor unions. The Annuity Fund was created to provide a source of income for retirement or for participants who become totally and permanently disabled. Participants in the Local 94 Annuity Fund have individual investment accounts funded by Contributing Employers. Find out more about the Annuity Fund by clicking on the links below. From: Trustees of the Annuity Fund of the IUOE, Local Union 94-94A-94B, AFL-CIO We are pleased to present you with this Summary Plan Description (“SPD”) for the Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO (the “Plan”), as amended and restated effective July 1, 2014.Scholarship Fund. The Scholarship Fund was created to help families of Local 94 members be able to afford the rising cost of college and university tuition. The Scholarship Fund awards a number of scholarships each year to reward students who have worked hard toward achieving their goals and to encourage them to continue to strive for …Local 94 Annuity Fund Group and Individual Education Meetings via Virtual Online Attend an upcoming virtual online meeting to help take the guesswork... Local 94 Operating Engineers · October 23, 2020 · ...Generally, the answer is yes. The specific answer depends on your age, length of service and status at the time of your death. For more information about your options and the rules around death benefits, please visit the Central Pension Fund website or contact the Central Pension Fund Office at (202) 362-1000.Do you have questions about annuities? If so, you’re not alone. Many have a firm grasp on investment plans that include 401(k)s and savings accounts. However, when you ask them abo...WHAT CHARGES ARE DEDUCTED FROM PAYMENTS? Currently, a deduction of 3.50% of premiums for state and local premium taxes and federal taxes imposed for deferred ...UFA Local 94. 347-525-4477 [email protected]. Hours. Member Services 204 East 23rd Street, New York, NY 10010 212-683-4832 [email protected] UFA Webmaster.Among the many benefits of joining Plumbers and Pipefitters Local 94 is the involvement in the member pension fund. Started in the 1960s, the United Association National Pension Fund (formerly known as Plumbers and Pipefitters National Pension Fund) is a multiemployer defined benefit pension plan funded solely by employer contributions and ...A Guide to Your Benefits. Central Pension Fund of the International Union of Operating Engineers and Participating Employers www.cpfiuoe.org. SUMMARY PLAN DESCRIPTION ISSUED AUGUST 2016. CentruryPensionFund oF theinternationalunion oFoPeratingengineers andPartiCiPatingemPloyers. 4115 ChesaPeakestreet, nW, Washington, d.C. 20016-4665 202-362 ...ALL WITHDRAWALS to pay for qualifyiing LTC expenses would be NONTAXABLE. IF THEY NEVER NEEDED LTC - and the second spouse dies at 94 - the annuity pays the ...UPCOMING EVENT: Local 94 Annuity Fund Group Education Meeting Attend a group education meeting to learn about important changes in the Annuity Fund (the “Plan”) effective April 1, 2022. On...The Local 94 Trustee-directed Annuity Fund is a broadly diversified portfolio that includes a number of different asset classes. The Board of Trustees (Trustees) has established an …Pension Benefits. Plan Name Pension Trust Fund for Operating Engineers. Employer Identification Number (EIN) 94-6090764 was issued to the Board of Trustees by the Internal Revenue Service. Plan Number 001. Plan Year January 1 - December 31. The date of the end of the Fund's fiscal year is December 31. Type of Plan This is a defined benefit ...Annuity Document. Annuity Recent Mailings. 11/16/2023 Retirement Fund Meeting. 2022 Local 94 Retirement Plan Summary Annual Report. Annuity Forms.Annuity Fund. Training Fund. Scholarship Fund. Central Pension Fund. Contributions. General. Find answers to frequently asked questions about Local 94 and its affiliated Benefit Funds.The Benefit Office has a complete record of your credited service accumulated under the Pension Plan and we can provide you with an estimate of your monthly benefit prior to your retirement. Annual statements are forwarded to each participant in the Pension Plan. Please contact the Benefit Office at (413)998-3230 with any questions regarding ...Annuity, Sick Pay, Training and/or Pension Funds, the Union and/or the Funds, independently or in coordination and cooperation, shall have the right to inspect and audit the contractor’s social security and/or payroll records and all such records shall be made available to the Union and to the Funds upon request. 5. Sign in at 7:15am. Double shot gun start at 8:00am. For reservations contact: Jillian Loughnane @ 212-331-1836 or David Hawkins @ 212-331-1858 or email @ [email protected]. Hole sponsorship available at $500/per hole. Breakfast, lunch and dinner sponsorships available. UFA Local 94. 347-525-4477 [email protected]. Hours. Member Services 204 East 23rd Street, New York, NY 10010 212-683-4832 [email protected] UFA Webmaster. Name * First Name. Last Name. Email Address * Message * Thank you! Quick Links. Forms; Links; Submit Documents; Accessibility Statement; Powered By: ...Among the many benefits of joining Plumbers and Pipefitters Local 94 is the involvement in the member pension fund. Started in the 1960s, the United Association National Pension Fund (formerly known as Plumbers and … Sign in at 7:15am. Double shot gun start at 8:00am. For reservations contact: Jillian Loughnane @ 212-331-1836 or David Hawkins @ 212-331-1858 or email @ [email protected]. Hole sponsorship available at $500/per hole. Breakfast, lunch and dinner sponsorships available. Jan 2, 2024 ... ... or 2) purchase an annuity for them from an insurance company. PBGC's Missing Participants Program contains four types of retirement plans:2 Defined-Benefit Plans Provide a Predictable, Secure Pension for Life • In Taft-Hartley plans, generally only employer contributions are required. No participant contributions allowed. • Your retirement benefit can be determined at any time during your career. • Fund investments are managed by the Fund Trustees. • Union Representatives and …You might hear the word annuity and think about retirement but annuities can be paid out for lottery wins or casino winnings as well. Most internet users checking for annuities wil...such annuity contract is not subject to subsection (a), ... local government or political subdivision thereof (or agency or instrumentality thereof). ... 94–455, ...ANNUITY FD OF THE IUOE LOCAL UNION 94, 94A, 94B AFL-CIO is a DEFINED CONTRIBUTION PLAN. Typically, a Company Sponsor (Employer) of this type of plan creates an account for every individual Participant. Regular contributions are then made by the Employer, the Participant, or both. Examples of this plan type are Employee Stock …Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, …of the Plan are held, invested and reinvested, and known as the agreement and Declaration of. Trust of the N.Y.C. Local S.E.I.U. Annuity Fund may be amended from time to time. 1.19. Trustee or Trustees means the person or persons named as Trustees under. the Trust, and any successor Trustee thereunder. 1.20.For scholarship winners selected subsequent to January 1, 2019, each scholarship will be for $2,500 per year for four years for a total of $10,000. For scholarship winners selected prior to January 1, 2019, each scholarship will be for $2,000 per year for four years for a total of $8,000. The amount of the scholarship may be increased or ...if you are a Local 94 member and have questions regarding the Central Pension Fund, please contact Jillian Loughnane by email or at (212) 331-1836. If you are not a Local 94 member, please contact the Central Pension Fund at (202) 362-1000. Start saving for retirmenent with the IUOE Central Pension Fund, an account that accumulates employer ...For scholarship winners selected subsequent to January 1, 2019, each scholarship will be for $2,500 per year for four years for a total of $10,000. For scholarship winners selected prior to January 1, 2019, each scholarship will be for $2,000 per year for four years for a total of $8,000. The amount of the scholarship may be increased or ...Effective January 1, 2018, the Rhode Island Carpenters Health Fund will merger and become part of the New England Carpenters Health Benefits Fund. Please see the merger announcement under the Health Care documents tab. The Pension personal benefit information will show your accrued Pension benefit as of the last plan year, your …TIAA, also known as Teachers Insurance and Annuity Association of America, is a leading financial services provider that has been helping people plan for their financial future sin...Humana Medicare Customer Care: (800) 733-9064, Monday - Friday, 7 a.m. - 8 p.m. Central Time. Your vision benefit network is administered by the Plumbers & Pipefitters Local 94 …The Board of Trustees are pleased to welcome you to the new Annuity website for the Plumbers & Pipefitters Local 396 Trust Funds. Within this website, you will now have access 24 hours a day, 7 days a week to commonly requested forms and useful highlighted links. As always, please feel free to contact the Benefit Office at (330) 779-8874 if you ...When: Friday, January 12, 2024. Cocktail Hour - 7:00 PM to 8:30 PM. Reception immediately following. Where: Russo's on the Bay. 162-45 Cross Bay Blvd. Howard Beach NY 11414. Find the information and location of the next Dinner Dance honoring and celebrating the recipients of the Local 94 Scholarship Fund.Michael joined the I.U.O.E. Local 94 Union and Affiliated Funds team in June 2019, as the Controller and Annuity Fund Administrator. Michael is a Certified Public Accountant and prior to joining the Local 94 team, he worked as an audit manager of a mid-size public accounting firm and brings over 20 years of experience with auditing labor ...From: Trustees of the Annuity Fund of the IUOE, Local Union 94-94A-94B, AFL-CIO We are pleased to present you with this Summary Plan Description (“SPD”) for the Annuity Fund of the International Union of Operating Engineers, Local Union 94-94A-94B, AFL-CIO (the “Plan”), as amended and restated effective July 1, 2014.Section 100C1.1-1 Worksheets and Job Aids for Local ... A maximum of 20 years' service can be applied to the 2.5 percent annuity accrual rate between the original ...Local 94 and the Affiliated Funds staff cannot offer any investment advice. However, you are encouraged to call JW Thompson for personalized investment advice for your Annuity Fund account. You can get an analysis of your finances plus guidance on how to save and invest for retirement.Central Pension Fund. The Central Pension Fund (CPF) is a multi-employer pension fund established in 1960 to provide retirement, disability and death benefits to members of, and individuals represented by, the International Union of Operating Engineers. Plan benefits are based upon annual employer contributions for participants which are ...The Executive Board of Local 94 has elected to retain Stacey Braun Associates to provide Financial Counseling and advice to the membership of Local 94. (However, Stacey Braun Associates cannot provide specific advice on mutual fund recommendations in regards to the Annuity Fund. If you would like such advice, please click here.) You can receive ... Plan Documents. Amendments and Changes. Annuity Documents. All the Annuity related documents includes: Forms. Recent Mailings. Documents and Summary Plan Description. Amendments and Summary of Material Modifications. TIAA, also known as Teachers Insurance and Annuity Association of America, is a leading financial services provider that has been helping people plan for their financial future sin...

The Fund has an arrangement with certain dental providers (“Local 94 Network”) who have agreed to accept the Plan’s Fee Schedule (PDF) as payment in full except for dental implants where copayments apply. Prior to service being rendered, please verify that your dental provider is currently in the Local 94 Network.. To be certain of the applicable …. Visionworks knoxville tennessee

local 94 annuity

You can view or download all the documents here. Please contact the benefit office for any questions at (330) 779-8874. Keep your money in your Local 94 Annuity Plan 7 Ordinary income taxes due upon withdrawal. Withdrawals before the age of 59 1/2 may be subject to an early distribution penalty of 10%. Stable value portfolios typically invest in a diversified portfolio of bonds and enter into wrapper agreements with financial companies to prevent Our Annuity and Savings Plan was established in 1987 with the purpose of providing an additional way to prepare for retirement. ... Just fill out an Income Deferral Agreement Local 4 – 401(k) Election Form and choose to contribute a whole-dollar amount per hour up to the IRS annual deferral limit ($23,000 total if under age 49 and $30,500 ...Drawing on more than a century of experience, Great-West strives to deliver bright financial futures for millions of Americans. We offer a range of financial products and services …The Local 94 Health and Benefit Funds offer members and their eligible dependents medical, dental, vision, retiree, accidental death and dismemberment, death and loss of time benefits.Find answers to frequently asked questions about the Local 94 Sick Fund. Local 94 Operating Engineers. ... Annuity Fund; Training Fund; Scholarship Fund; Central ...To obtain a copy of the full annual report, or any part thereof, write or call the office of Board of Trustees Annuity Fund of the I.U.O.E. Local Union 94, 94A, 94B AFL-CIO at 331-337 West 44th Street, New York, NY 10036-5402, or by telephone at (212) 459-8948.Death Benefit. If you are an eligible Active Member, your beneficiary will receive a payment of $25,000 upon your death from any cause either on or off the job while eligible for this benefit under the Plan. If you are an eligible Retiree, your beneficiary will receive a payment of $3,000 upon your death from any cause while eligible for this ...Ray is an Assistant Business Manager, the Recording-Corresponding Secretary and a Business Representative for Local 94. He also serves as a Trustee of the Health and Benefit Trust Funds, Annuity Fund and Training Fund. Ray currently is a Political Action Co-Chairman for Local 94.Plumbers & Pipefitters Local 94 Trust Funds. Need To Call Us? - Benefit Office at (330) 779-8874. How do I? Within this website, you will now have access 24 hours a day, 7 days a week to commonly requested forms, useful highlighted links, and frequently asked questions regarding your benefit information. As always, please feel free to contact ... Welcome to the IBEW Local 94 Benefit Plans Website. This Website allows you to get information, make selections and print forms and reports, 24 hours a day, 7 days a week. You can manage your annuity account or find a local health care provider from your home or office. 2 Defined-Benefit Plans Provide a Predictable, Secure Pension for Life • In Taft-Hartley plans, generally only employer contributions are required. No participant contributions allowed. • Your retirement benefit can be determined at any time during your career. • Fund investments are managed by the Fund Trustees. • Union Representatives and …Charitable gift annuities are a popular way for individuals to support charitable organizations while also receiving a steady stream of income during their lifetime. However, it’s ...Each month, your Contributing Employer makes contributions to your account in accordance with the terms of its agreement with Local 94. If you have an eligible rollover paid to you from another employer’s qualified retirement plan, it may be transferred into the Local 94 Annuity Fund upon the Trustees’ approval. Welcome to the IBEW Local 94 Benefit Plans Website. This Website allows you to get information, make selections and print forms and reports, 24 hours a day, 7 days a week. You can manage your annuity account or find a local health care provider from your home or office. Annuity Document. Annuity Recent Mailings. 11/16/2023 Retirement Fund Meeting. 2022 Local 94 Retirement Plan Summary Annual Report. Annuity Forms.Annuity Recent Mailings. 11/16/2023 Retirement Fund Meeting. 2022 Local 94 Retirement Plan Summary Annual Report. Annuity Forms.Local 94 Operating Engineers Member Portal. Forgot Password? Forgot Username? Register for a Profile. Annuity, Sick Pay, Training and/or Pension Funds, the Union and/or the Funds, independently or in co-ordination and cooperation, shall have the right to inspect and audit the contractor’s social security and/ or payroll records and all such records shall be made available to the Union and to the Funds upon request. 5. .

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