With every hour worked, you are earning benefits, which are funded by your collectively bargained employer. Understanding the benefits available is crucial in making them work for you. Please take the time to familiarize yourself with the three plans to which you are a participant in, by reading their respective Summary Plan Descriptions; the BAC Local 8 NY Pension Plan, the BAC Local 8 NY Welfare Plan, and the BAC Local 3 NY IARF.