IPF RETIREMENT BLUEPRINT - Annual Funding Notice
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IPF RETIREMENT
BLUEPRINT
Annual Funding Notice
A Publication of the Bricklayers & Trowel Trades International Pension Fund • Special Issue Spring 2021
Notice: This is not a cut in your existing benefits.
This issue of the IPF Retirement Blueprint continues to focus on the Pension Protection Act of 2006 (PPA). The
PPA has been discussed in annual mailings from the Fund Office to participants, employers and local unions.
This notice is also being sent to employers, pensioners and inactive participants.
The first notice concerns the PPA and can be found on page 2. In the Plan Year effective January 1, 2021,
the Plan was again considered in “endangered” status under the PPA. As noted in the box on page 3, the
Plan is certainly solvent, and remains in relatively strong financial position. Pursuant to the PPA requirements
for endangered plan status, the Trustees instituted a Funding Improvement Plan in 2010 and a subsequent
Rehabilitation Plan in 2016 after IPF was considered to be in “critical” status in that year. The Rehabilitation
Period ended on December 31, 2016 and a new Funding Improvement Plan was adopted on November 26,
2017. With a return to “endangered” Status in 2017, and remaining so through 2021, bargaining parties
should continue the 2009 15% PPA increase and the applicable annual increases from 2013 to 2021. Please
note that those bargaining parties operating under the Statutory Alternative schedule moved from a 4%
annual increase to a 6% annual increase starting in the 2017 Plan year. At this time, no additional
contribution rate increases other than those required by the 2010 Funding Improvement Plan are anticipated.
The Annual Funding Notice starts on page 2 and also provides information on Plan assets, participants
and its investment policy. You will also note sections on the Pension Benefit Guaranty Corporation (PBGC)
and additional information as noted in previous IPF publications. The Trustees are committed to the sound
administration of your Plan so as to provide the pension benefits that you earned. The Plan has always paid
its benefit obligations timely and
remains committed to doing so in
the future. Projected Funding Ratio & PPA Status
If you have any questions about this
Annual Funding Notice, or any other
questions, please contact the Fund
office at 1-888-880-8222, via email
at dstupar@ipfweb.org or write to
David F. Stupar, Executive Director,
Bricklayers and Trowel Trades
International Pension Fund, 620 F
Street, N.W., Suite 700, Washington,
DC 20004.
Despite the historic COVID-19 Pandemic, the International Pension Fund (IPF) continues on a
Sincerely yours, trajectory to full funding. How soon that goal is met continues to depend on a number of vari-
ables, including hours worked and investment returns on IPF assets. As noted on page 7, hours
for 2020 were 12% lower for the year due to the impact of COVID-19. At the time this report
went to printing, the American Rescue Plan Act was signed by President Biden. Guidance from
the Treasury Department is expected within 120 days, at which time the Trustees will be able to
avid F. Stupar
D
determine what assistance is available to the IPF under the Act.
Executive Director
The Trustees continue to monitor the Fund’s progress and will take corrective action should the trend
or rate of progress suggest that changes in the Funding Improvement Plan are necessary.
1BRICKLAYERS & TROWEL TRADES INTERNATIONAL PENSION FUND
EIN: 52-6127746 The plan’s actuary certified that If the Trustees of the Plan deter-
PN: 001 the plan was in endangered status mine that benefit reductions or
in 2021 because its funding modifications are necessary, you
This notice is provided pursuant percentage on January 1, 2021 will receive a separate notice
to section 432 (b) (3) of the Internal was projected to be less than 80%. in the future identifying and
Revenue Code (“Code”) and The funding percentage compares explaining the effect of those
Section 305(b) (3) of the Employee the value of the assets to the value reductions. In addition, any such
Retirement Income Security Act of benefits accrued at that time. reductions or modifications would
of 1974 (“ERISA”) to inform you Federal law requires pension plans only apply to participants and
of the status of the plan for the in endangered status to adopt a beneficiaries whose benefits has
plan year beginning on January 1, funding improvement plan aimed not commenced.
2021. The notice is being provided at restoring the financial health If you wish to obtain more infor-
to participants and beneficiaries, of the plan. The law permits mation about this notice, you
the bargaining parties, the Pension pension plans to reduce, or even may contact Mr. David F. Stupar,
Benefit Guaranty Corporation, and eliminate, certain benefits and at 1-888-880-8222, or in writing
the Secretary of Labor. increase contributions as part of at 620 F Street, NW Suite 700,
a funding improvement plan. Washington DC, 20004.
ANNUAL FUNDING NOTICE
For Bricklayers and Trowel Trades International Pension Fund
This notice includes important Date for the plan year to get this markets. Actuarial values smooth
information about the funding percentage. In general, the higher out those fluctuations and can
status of your multiemployer the percentage, the better funded allow for more predictable levels
pension plan (“the Plan”). It also the plan. of future contributions. Despite
includes general information about The Plan’s funded percentage for the fluctuations, market values
the benefit payments guaranteed the Plan Year and each of the two tend to show a clearer picture of
by the Pension Benefit Guaranty preceding plan years is shown in a plan’s funded status at a given
Corporation (“PBGC”), a federal the first chart below. The chart also point in time. The asset values in
insurance agency. All traditional states the value of the Plan’s assets the second chart below are market
pension plans (called “defined and liabilities for the same period. values and are measured on the
benefit pension plans”) must last day of the Plan Year. The chart
provide this notice every year Year-End Fair Market also includes the year-end market
regardless of their funding status. Value of Assets value of the Plan’s assets for each
This notice does not mean that the The asset values in the chart below of the two preceding plan years.
Plan is terminating. It is provided are measured as of the Valuation
for informational purposes and Endangered, Critical,
Date. They also are “actuarial or Critical and
you are not required to respond values.” Actuarial values differ
in any way. This notice is required Declining Status
from market values in that they
by federal law. This notice is for do not fluctuate daily based on Under federal pension law, a plan
the plan year beginning January changes in the stock or other generally is in “endangered” status
1, 2020 and ending December 31,
2020 (“Plan Year”). 2020 2019 2018
Valuation Date 1/1/2020 1/1/2019 1/1/2018
How Well Funded Is
Funded Percentage 66.85% 66.07% 65.22%
Your Plan
Value of Assets $1,530,807,536 $1,497,150,523 $1,480,525,234
The law requires the administrator Value of Liabilities $2,289,889,266 $2,266,081,179 $2,270,098,422
of the Plan to tell you how well the
Plan is funded, using a measure 12/31/2020 12/31/2019 12/31/2018
called the “funded percentage.” Fair Market Value
$1,598,315,197* $1,551,149,571 $1,385,998,262
The Plan divides its assets by of Assets
its liabilities on the Valuation * Unaudited estimate
2Code, as amended from time
International Pension Fund Zone Status Stabilized, to time. The Board of Trustees
Projected Solvency Continues for 30 Years monitors the level of funding with
the assistance of the Plan’s enrolled
The IPF Board of Trustees is pleased to report that the Fund’s Pension actuary and the Plan’s indepen-
Protection Act zone status has continued to remain “Yellow” or “Endangered dent fiduciary. Once money is
Status”. This development can be attributed to changes the Plan has made contributed to the Plan, the money
is invested by Plan officials called
under the Funding Improvement Plan enacted in 2010, the subsequent fiduciaries. Specific investments
Rehabilitation Plan enacted in 2016, as well as a slight increase in contributions are made in accordance with the
reported to the Plan during recent Plan years. In addition, the Fund’s actuary Plan’s investment policy. Generally
has confirmed that IPF is able to pay expected benefits and meet expected speaking, an investment policy is a
written statement that provides the
expenditures over a thirty-year period commencing January 1, 2020 and run- fiduciaries, who are responsible for
ning through December 31, 2050. The actuary made the 30-year projections Plan investments, with guidelines
using plan provisions, participant data, IPF financial information and expecta- or general instructions concerning
tions of industry performance to project plan solvency. various types or categories of
investment management decisions.
The investment policy of the Plan
if its funded percentage is less and the actuarial and financial
is as follows: The Board of Trustees
than 80 percent. A plan is in data that demonstrate any action
has appointed Segal Marco Advisors
“critical” status if the funded taken by the Plan toward fiscal
as independent fiduciaries to be
percentage is less than 65 percent improvement. You may get this
responsible for the investment of
(other factors may also apply). A information by contacting the
the Plan’s assets. This means that
plan is in “critical and declining” plan administrator.
Segal Marco Advisors is respon-
status if it is in critical status and If the Plan is in endangered, sible for creating the Statement of
is projected to become insolvent critical, or critical and declining Investment Policy and for selecting
(run out of money to pay benefits) status for the plan year ending investment managers, allocating
within 15 years (or within 20 December 31, 2021, separate assets among these managers,
years if a special rule applies). If notification of that status has or and monitoring the activity and
a pension plan enters endangered will be provided. performance of these managers.
status, the trustees of the plan
The investment managers are
are required to adopt a funding Participant Information responsible for the management
improvement plan. Similarly, if a The total number of participants of the assets assigned to them by
pension plan enters critical status and beneficiaries covered by the Segal Marco Advisors that include
or critical and declining status, the Plan on the valuation date was allocations among allowable asset
trustees of the plan are required 78,737. Of this number, 30,483 classes, selection and disposal of
to adopt a rehabilitation plan. were current employees, 26,366 individual securities, and diver-
Funding improvement and rehabil- were retired and receiving benefits, sifying portfolio assets under the
itation plans establish steps and and 21,888 were retired or no managers’ control. Commingled
benchmarks for pension plans to longer working for the employer investment vehicles, including
improve their funding status over and have a right to future benefits. mutual funds, may be used. To the
a specified period of time. The
extent assets are placed in commin-
plan sponsor of a plan in critical Total 78,737
gled funds, it is understood that
and declining status may apply Actives 30,483 the practices of such commingled
for approval to amend the plan to
Retirees 26,366 funds will be in accordance with
reduce current and future payment
the funds’ prospectus or invest-
obligations to participants and Term Vested 21,888
ment guidelines. The Segal Marco
beneficiaries.
Advisors Management Committee
The plan was in endangered status Funding & will be responsible for selecting
in the Plan Year ending December Investment Policies asset classes that are appropriate
31, 2019 because the funding Every pension plan must have a for “The Fund” and determining
level was below 80%. The Trustees procedure to establish a funding optimal weights.
reviewed the Funding Improvement policy for plan objectives. A funding The Committee will utilize infor-
Plan adopted on November 3, 2017 policy relates to how much money mation and research provided by
and determined, based on actuarial is needed to pay promised benefits. the Segal Marco Advisors Research
recommendations, that no changes The funding policy of the Plan is to Group in order to achieve the
were required. You may get a copy comply with the funding require- most efficient and optimal asset
of the Plan’s Funding Improvement ments of the Internal Revenue
Plan, any update to such plan Continued on page 4 ➤
3mix for “The Fund” while limiting when due for that plan year. An would be determined by dividing
risk. Asset classes that may be insolvent plan must reduce benefit the monthly benefit by the partic-
included are: payments to the highest level that ipant’s years of service ($600/10),
• Equities can be paid from the plan’s avail- which equals $60. The guaran-
able resources. If such resources teed amount for a $60 monthly
• Fixed Income are not enough to pay benefits accrual rate is equal to the sum
• Real Estate Equity at the level specified by law (see of $11 plus $24.75 (.75 x $33),
Benefit Payments Guaranteed by or $35.75. Thus, the participant’s
• Private Equity
the PBGC, below), the plan must guaranteed monthly benefit is
• Fund of Hedge Funds including apply to the PBGC for financial $357.50 ($35.75 x 10).
portable alpha strategies assistance. The PBGC will loan the Example 2: If the participant
• Other Alternatives including, plan the amount necessary to pay in Example 1 has an accrued
but not limited to—Diversified benefits at the guaranteed level. monthly benefit of $200, the
Beta, Commodities, Derivatives, Reduced benefits may be restored accrual rate for purposes of deter-
Infrastructure if the plan’s financial condition mining the guarantee would be
improves. A plan that becomes $20 (or $200/10). The guaranteed
Segal Marco Advisors shall be
insolvent must provide prompt amount for a $20 monthly accrual
responsible for voting the proxies
notice of its status to participants rate is equal to the sum of $11
of all securities held by the Fund
and beneficiaries, contributing plus $6.75 (.75 x $9), or $17.75.
and for providing the Board of
employers, labor unions repre- Thus, the participant’s guaranteed
Trustees with an annual report of
all such proxy votes cast on behalf senting participants, and PBGC. monthly benefit would be $177.50
of the Fund. In addition, participants and ($17.75 x 10).
beneficiaries also must receive
Under the Plan’s investment policy, information regarding whether, The PBGC guarantees pension
the Plan’s assets were allocated as and how, their benefits will be benefits payable at normal
follows: reduced or affected, including retirement age and some early
loss of a lump sum option. retirement benefits. In addition,
Asset Allocations Percentage the PBGC guarantees qualified
1 Stocks 56.2% Benefit Payments preretirement survivor benefits
Guaranteed by (which are preretirement death
2 Investment Grade Debt 12.8% the PBGC benefits payable to the surviving
3 High-Yield Debt 2.4% The maximum benefit that the spouse of a participant who dies
PBGC guarantees is set by law. before starting to receive benefit
4 Real Estate 9.0%
Only benefits that you have payments). In calculating a
5 Other 19.6% earned a right to receive and that person’s monthly payment, the
cannot be forfeited (called vested PBGC will disregard any benefit
benefits) are guaranteed. There are increases that were made under
For information about the separate insurance programs with a plan within 60 months before
Plan’s investment in any of the different benefit guarantees and the earlier of the plan’s termi-
following types of investments— other provisions for single-em- nation or insolvency (or benefits
common/ collective trusts, ployer plans and multiemployer that were in effect for less than 60
pooled separate accounts, or plans. Your Plan is covered by months at the time of termination
103-12 investment entities— PBGC’s multiemployer program. or insolvency). Similarly, the PBGC
contact the plan administrator. Specifically, the PBGC guarantees does not guarantee benefits above
a monthly benefit payment equal the normal retirement benefit,
Summary of disability benefits not in pay
to 100 percent of the first $11 of
Rules Governing status, or non-pension benefits,
Insolvent Plans the Plan’s monthly benefit accrual
rate, plus 75 percent of the next such as health insurance, life
Federal law has a number of $33 of the accrual rate, times each insurance, death benefits, vacation
special rules that apply to finan- year of credited service. pay, or severance pay.
cially troubled multiemployer plans For additional information about
that become insolvent, either as The PBGC’s maximum guarantee,
therefore, is $35.75 per month the PBGC and the pension
ongoing plans or plans terminated insurance program guarantees,
by mass withdrawal. The plan times a participant’s years of
credited service. go to the Multiemployer Page
administrator is required by law on PBGC’s website at www.
to include a summary of these Example 1: If a participant with pbgc.gov/multiemployer.
rules in the annual funding notice. 10 years of credited service has an Please contact your employer or
A plan is insolvent for a plan year accrued monthly benefit of $600, plan administrator for specific
if its available financial resources the accrual rate for purposes of information about your pension
are not sufficient to pay benefits determining the PBGC guarantee
4plan or pension benefit. PBGC Plan’s annual report by going to do not contain personal infor-
does not have that information. www.efast.dol.gov and using mation, such as the amount of
See “Where to Get More the search tool. Annual reports your accrued benefit. You may
Information,” below. also are available from the US contact your plan administrator if
Department of Labor, Employee you want information about your
Right to Request a Copy Benefits Security Administration’s accrued benefits.
of the Annual Report Public Disclosure Room at 200 Your plan administrator is identi-
Pension plans must file annual Constitution Avenue, NW, Room fied below under “Where to Get
reports with the US Department N-1513, Washington, DC 20210, More Information.”
of Labor. The report is called or by calling 202.693.8673.
the “Form 5500.” These reports Or you may obtain a copy of the Where to Get More
contain financial and other infor- Plan’s annual report by making Information
mation about the plan. You may a written request to the plan For more information about this
obtain an electronic copy of your administrator. Annual reports notice, you may contact Mr. David
F. Stupar at 1-202-383-3935,
or in writing at 620 F Street, NW
Suite 700, Washington DC, 20004.
For identification purposes, the
official plan number is 001 and
the plan sponsor’s employer
identification number or “EIN”
BAC Trustees Employer Trustees is 52-6127746.
Tim Driscoll Gregory Hess
Robert Arnold Matthew Aquiline
Carlos Aquin William McConnell
Jeremiah Sullivan Robert Hoover
Henry Kramer Anthony Marra
Gerald O’Malley Kevin Trevisian
Gerard Scarano
Notice of Summary Plan Information
Bricklayers & Trowel Trades International Pension Fund
This notice from the Bricklayers negotiated between Local Unions • $1.85 for each $.10 of
and Trowel Trades International and Union contractor associations contribution over $.80 through
Pension Fund, EIN 52-6127746, and employers. Employer $1.50 per hour plus
Plan 001 (“IPF” or the “Plan”) is contribution rates range between • $4.62 for each $.10 of
for the 2019 Plan Year. On July 30, $.10 per hour to $7.95 per hour. contribution rate over $1.50
2020 the Plan filed its 2019 Plan For Years of Credited Service per hour.
Year Form 5500 (Annual Return/
accrued through March 31. 2009:
Report of Employee Benefit Plan)
The monthly benefit accrued per For Years of Credited service accrued
with the Department of Labor.
Year of Credited Service accrued on and after April 1. 2009: Effective
This notice is being issued in
through March 31, 2009 is April 1, 2009, each $.10 per hour
accordance with Section 104(d) of
related to the level of the employer contributed to the Plan results
the Employee Retirement Income
contribution rate as follows: in a future benefit accrual rate
Security Act (“ERISA”) and provides
a summary of the information •$ 2.77 for each $.10 of of $1.40 per month for each Year
contained in the IPF’s Annual contribution rate up to $.30 of Credited service (1500 hours)
Return/Report. per hour plus accrued. IPF pension benefits
• $2.31 for each $.10 of accrued as of March 31, 2009
(A) Contribution Schedules and were not reduced or eliminated.
Benefit Formulas: IPF participating contribution rate over $.30
through $.60 per hour plus In addition, IPF participating
employers make contributions employers are required to remit
to the IPF at various hourly •$ 2.08 for each $.10 of an extra fifteen percent (15%) of
contribution rates established in contribution rate over $.60 their respective IPF contribution
collective bargaining agreements through $.80 per hour plus rates in order to retain the
5post April 2009 accrual rates and supporting actuarial and
as referenced above. This extra financial data can be obtained by
fifteen percent (15%) contribution contacting the fund’s Executive
rate is not recognized for benefit Director. The three schedules are
accrual under the Plan. If an IPF summarized below.
participating employer does not
(F) Employers Withdrawing from the
remit the extra fifteen percent
(15%) contribution, its employees Plan: No participating employers
will accrue benefits under the withdrew from the Plan during
IPF equal to fifty percent (50%) the preceding Plan Year.
of the reduced accrual rate or (G) Merger Activity: Effective
$.70 per month for each $.10 in January 1, 2019, Bricklayers
the IPF contribution rate for each Gulf Coast Pension Fund merged
Year of Credited Service accrued with the IPF.
beginning with the first date after (H) Variations to Funding Standard
April 1, 2009. During the plan
Account: The Plan applied for and
year there were no modifications
received a five (5) year extension
to the contribution schedules and
of the Fund’s amortization period
associated level of benefit accrual
under Section 431(d)(1) of the
other than the changes described
Internal Revenue Code beginning
in Section E, Status Under ERISA
Plan Year Number of Participants with the 2009 Plan Year. The Plan
§305, below.
2019 638 did not use the shortfall funding
(B) Contributing Employers: The total method (as such term is used In
number of employers obligated to 2018 663 ERISA §305) for the Plan Year.
contribute to the IPF for the 2019 2017 675
(I) Right to Receive a Copy of the
Plan Year was 2,959.
Annual Report: You have the right
(C) Employers contributing more (E) Status under ERISA §305: The to receive a copy of the full
than five percent (5%) of total Plan Plan’s actuary certified that annual report for the 2019 Plan
contributions: There was no single the Plan was in “endangered” Year, the Plan’s Summary Plan
employer that contributed more or “yellow zone” status for Description and any Summary of
than five percent (5%) of the Plan’s 2017 per Pension Protection Material Modification, at no cost,
total contributions for the Plan Act requirements. Accordingly, by making a written request to the
Year. Employer contributions the Plan adopted a funding office of David F. Stupar, Executive
to the Plan total $119,228,309 improvement plan on November Director, at 620 F Street, N.W.,
for 2019. 14, 2017 to retain the same Suite 700, Washington, D.C.
measures set forth in the 20004. Please note that you are
(D) Number of Participants on whose previously adopted Funding entitled to receive only one (1)
behalf no contributions were made Improvement and Rehabilitation copy of the above-referenced
because Employers had withdrawn Plans designed to improve the documents during any one (1)
from the Plan: funding of the plan. A copy of twelve month period.
the current funding improvement
Schedule: Statutory Alternative Preferred Default
Contribution Increases: 4% annually 2013 2016, 3% per year in 2013, 2015 All contracts must pay
and 6% annually 2017 and annually through 2021 the 15% increase
through 2021
Benefit if 2009 15% contribution increase adopted $1.40 per $0.10 $0.85 per $0.10 No accrual
Benefit if 2009 15% contribution not adopted $0.70 per $0.10 $0.40 per $0.10 Not applicable
6Hours Reported to the IPF Benefit Statement Notice
This is to remind you that you have the
right to request a statement of your benefit
accrued under the plan. You may apply for a
statement once every 12 months, and we will
furnish a calculation of your accrued benefit
and tell you if you have enough service to be
vested in your benefit. You may also calculate
your future benefit based on hypothetical
accumulations of additional service via the
Member Portal. Benefit estimate requests
should include your name, mailing
address, IU member number, be made in
writing, and directed to:
David F. Stupar, Executive Director
Bricklayers & Trowel Trades
International Pension Fund
As shown in the chart above, hours for the IPF decreased by 12% during 2020 620 F. Street, N.W., Suite 700
as compared to 2019 totaling 51 million hours due to the effects of the COVID- Washington, DC 20004
19 Pandemic. pensionestimate@ipfweb.org
Improved BAC Member Portal, BACMobile Apps
Critical information is ready when information, are able to upload Before starting, have your IU
you need it with the new and forms, use the BAC Job Network membership number available
improved BACMobile app. Since the and check-in with the Local when for reference and make sure you
introduction of the BAC Member traveling to a new Local for work. have an active email account.
Portal in 2014, a secure, web-based Members of Locals/ADCs who have Once registered, securely record
system where BAC craftworkers established electronic dues payment your username and password
can review their records, the programs will be able to pay Local/ for future use.
International Union and its affili- ADC dues through the Portal. One
ated benefit funds are continuing of the latest enhancements allows Creating Your BAC Member
the Union’s tradition of member members to estimate future IPF Portal Account is Fast and Easy
service into the digital age. The pension benefits beyond the current
Portal, which works in concert with o Log onto BAC website at bacweb.org
estimate displayed in the portal.
parallel systems for Local Unions/ o Have your IU Member Number ready
ADCs and contractors, provides an Currently in the U.S., there are (located on the upper left of your
additional level of service that lets 18,366 users registered and Union card)
members rest assured that their 8,590 of them are mobile users.
o Have the address of your active email
information is secure, up-to-date, In Canada, there are 444 regis-
account ready
and that their service has been trations and 178 mobile users. In
addition, 10,209 U.S. users and o Click on the “Member Portal” banner
properly accounted for. Portal users o Click on “Create an Account”
have access to their International 246 Canadian users have elected
to receive IPF and IHF publications o Follow the instructions on the screen
Pension Fund (IPF), International
electronically. o Sign up for the receipt of IPF/IHF materials
Health Fund (IHF) and BAC Save
data, including hours, contribution The Member Portal can be electronically
rates, reciprocity designations, and accessed via BAC’s homepage at o Record your username and password
activity. They also have access to www.bacweb.org. First time visitors for future use
membership data including benefi- should “Create an Account,” then
ciary designations and contact follow the instructions to register.
Continued on page 8 ➤
7IPF Retirement Blueprint/Annual Funding Notice PRSRT STD
U.S. POSTAGE
PAID
A Publication of the . . .
WASHINGTON, DC
Bricklayers & Trowel Trades PERMIT NO. 13
International Pension Fund
620 F Street, NW
Suite 700
Washington, DC 20004
www.bacbenefits.org
Address Service Requested
Improved BAC Member Portal, Utilize the BAC Benefits Website
BACMobile Apps Continued from When we launched our website near the turn of the century, we were pleased to be able
page 7 to provide our members and participants with adequate online information regarding
their benefits. As times have changed, our members and participants tend to visit the
BACMobile website on their mobile devices. Some prefer to access the BAC Member Portal to view
Smartphone and tablet hours and benefit information; some would like to view and access the health coverage
users can now access all of and eligibility information while at medical office visit; or simply know what resources
the Member Portal features
are available if they are needed; and they all want their own personal login account
on the go with the new
BACMobile App. Applications belonging only to themselves.
can be downloaded from The International Pension Fund (IPF) and International Health Fund (IHF) in conjunc-
Google Play (Android tion with the Member Assistance Program (MAP) have launched a new website
devices) or App Store that is mobile responsive. We encourage you to visit us at bacbenefits.org
(iOS devices) as and view the new and improved features, including:
follows:
• Specific information for the IPF, IHF, IPF-Canada, BACSave benefits
Android Devices
and Reciprocity
Visit Google Play
store and search • Easily accessible information for members to get assistance from MAP
for “bacmobile” • Consolidated FAQs for easy viewing and filter
and look for the
BACMobile app that • Filterable news and BAC Journal articles related to the IPF,
displays a trowel. Tap IHF and MAP
on the icon to download • Forms and Resource pages where members and participants can easily access
the app to your device. After applications and other forms
downloading, launch to use.
iOS Devices
• Participants can easily access and login to the BAC Member Portal to review benefit
information so that they don’t have to login to multiple places on each site
Visit the Apple App store
and search for “bacmobile” • A contact page where members and participants can directly email the Fund offices or
and look for the “BACMobile” MAP for questions.
app that displays a trowel. If you have any questions or comments about the new website, please feel free to contact:
Tap on the “Get” button and
then click on “Install.” You David Stupar (IPF and IPF Canada): DStupar@ipfweb.org
will be promoted to enter Amber Brailer (IHF and IHF Canada): ABrialer@bacweb.org
your iTunes login, and then Karen Greer (MAP): KGreer@bacweb.org
download the app. Find the
“BACMobile” icon and launch
to use.You can also read
