Embed Size (px)
Citation preview
Employee Benefit News
Carpenters’ Combined Funds, Inc.
VOLUME XI JUNE 2010 • PITTSBURGH, PA No. 1
UPDATE ON THE FINANCIAL POSITION OF THE GREATER PENNSYLVANIA CARPENTERS’
MEDICAL AND PENSION PLANSAt the April 29, 2010 Medical
Plan Board of Trustees meeting, our consultant, the Segal Company, presented the budget projections for the medical plan for 2010, 2011 and 2012. Obviously, there are a number of assumptions built into the projections and one of the key ones is the estimate of the number of hours our members will work during the next three years. Because hours of employment in 2010 appear to be down about 15% so far and, considering projections by the Union and our employers, the budget projections were based on an 11% decrease in hours of employment.
Using these numbers, total income in 2010 was projected at $56.5 million with total expenses projected at $59.6 million leaving an operating deficit of $3.1 million. In 2011, our total income would be $57.2 million but total expenses would be $65.1 million giving us an operating deficit of $7.9 million. In 2012, total income would be $57.9 million, total expenses would be $71.2 million and we would have an operating deficit of $13.3 million. Our break-even contribution rate for 2010 is projected at $5.30 per hour. The projection for 2011 is $5.83 per hour and, for 2012, $6.44 per hour. Our current average contribution rate is $4.94 per hour.
Thus, the Medical Plan faces a
challenge going forward, if these projections hold true. Right now, at the end of 2009, our continuation value or reserve in months is 16.4 months. By the end of 2012, if the projections hold true and with no plan changes, our continuation value will shrink to 9.2 months.
Turning to the Greater Pennsylvania Carpenters’ Pension Fund, you were recently mailed the Annual Funding Notice which told you that the Plan is in critical status for the plan year beginning January 1, 2010. The cover letter with the notice advised you that the plan had an investment return of 11.6% in 2009 and this favorable investment experience and the changes made by the Rehabilitation Plan have resulted in the plan to be projected at 74% funded January 1, 2010. This is an increase from 69% funded as of January 1, 2009. The Rehabilitation Plan is currently projected to satisfy the criteria for improving the funded status of the plan over time.
In reviewing the Annual Certification of Plan Status at the April 29, 2010 Board of Trustees meeting, our actuary, Cheiron, Inc., expressed concerns on our hours of employment so far in 2010 and the impact hours of employment have on the fund’s recovery. In 2009, unaudited numbers indicate that benefit payments exceeded employer
contributions by $23 million. Investment return has to make up this shortfall or the fund will shrink. If hours of employment decrease, it makes this challenge more difficult. Thus, our negative cash flow relative to our investment experience will be our greater challenge going forward. In summary, what we need to take away from all of this is that the recovery is going to take some time. Rest assured that we will keep you informed of your Plan’s progress.
Employee Benefit Newspublished by the
CARPENTERS’ COMBINED FUNDS
INCORPORATEDJOHN A. BROOKS
President
JAMES R. KLEINAdministrator
k
650 Ridge Road – Suite 300 Pittsburgh, PA 15205
PLEASE CALL US WITH ANY COMMENTS, QUESTIONS OR SUGGESTIONS,
Phone: 412-922-5330Toll Free Number: 1-800-242-2539
www. carpenterscombinedfunds .org
Page Two — EmployEE BEnEfit nEws
TRUSTEESGreater Pennsylvania
Carpenters’ Annuity/Savings Fund
John A. BrooksChairman
John p. GAdomski
rAymond w. VoGEl, Jr.JAck w. rAmAGE
Co-ChairmanfrEdErick Episcopo
John p. mAffEo, Jr.
Greater Pennsylvania Carpenters’
Pension FundJohn A. Brooks
ChairmanmichAEl J. dinGEy
louis r. GilBErti, Jr.lEE J. mAnGEs
roBErt d. mEyEr
michAEl w. plAtt
rAymond w. VoGEl, Jr.williAm r. wAtErkottE
michAEl p. wElsh
richArd f. riVErs, Jr.Secretary-TreasurerEuGEnE B. Brown
roBErt BuEchEl
dwiGht E. kuhn
thomAs A. lAndAu
roBErt f. lEAhEy
tErrEncE m. mcdonouGh
JAck w. rAmAGE
kEnnEth wolf
Greater Pennsylvania Carpenters’ Medical Plan
John A. BrooksChairman
michAEl J. dinGEy
fElix A. follEtti
roBErt J. GrAswick
richAd r. okrAszEwski
sAmuEl shillinG
rAymond w. VoGEl, Jr.williAm r. wAtErkottE
tErrEncE m. mcdonouGhCo-Chairman
roBErt BuEchEl
frEdErick Episcopo
thomAs A. lAndAu
John p. mAffEo, Jr.stAnlEy mErzlAk
John morris
rAymond A. VolpAtt, Jr.
Annuity/Savings Fund InformationHERE IS A SUMMARY OF MARKET VALUE ASSETS AS OF MAY 31, 2010
Percent Market Value of Total
Federated Total Return Bond Fund .......................... $ 5,053,048.66 2.30%
American Beacon Large Cap Value Fund .................. 4,545,480.12 2.06%
Blackrock Index Equity ............................................... 2,214,101.18 1.00%
Carpenters Stable Value Fund .................................... 151,434,951.19 68.70%
American Century Strategic Alloc. Conservative ....... 5,213,053.28 2.37%
American Century Strategic Alloc. Moderate ............ 8,174,326.85 3.71%
American Century Strategic Alloc. Aggressive .......... 19,379,417.50 8.79%
Federated Mid-Cap Index Fund ................................ 1,498,129.98 .68%
American Fund Growth Fund of America ................. 7,425,701.79 3.37%
American Fund EuroPacific Growth Fund ............... 8,293,076.76 3.76%
Third Avenue Small Cap Value Fund ......................... 2,671,470.87 1.21%
Fidelity Advisor Small Cap Fund ............................... 4,520,635.55 2.05%
TOTAL ........................................................................ $220,423,393.73 100.00%
MEDICAL ELIGIBILITY FOR ACTIVE MEMBERS
The next benefit period for the Medical Plan will start OCTOBER 1, 2010 and end MARCH 31, 2011.
In order to be eligible for this benefit period, an active member needs the following in employer contributions:
$3,256 for work performed during the period JANUARY 1, 2010 through JUNE 30, 2010
— or —$6,512 for work performed during the period
JULY 1, 2009 through JUNE 30, 2010
The eligibility level is based on 650 hours of employment at the majority journeyman’s rate. Thus, a journeyman can earn full benefits by working approximately four (4) months in the six (6) month work period.
If employer contributions are not sufficient to earn eligibility, a member may be permitted to make self-payment to make up the shortage.
Should you have any questions on eligibility, please do not hesitate to call the Fund Office at 412-922-5330 or 1-800-242-2539.
EmployEE BEnEfit nEws — Page Three
WELCOME TO RETIREMENTLOCAL UNION
No. 81James C. Hamilton
LOCAL UNION No. 86
Walter W. Gaffney
LOCAL UNION No. 142
Joseph J. AndreolaJames J. Conlan
Charles R. DuncanRobert G. Imblum
Donald J. KingRobert John KleinDonald D. LowryFred T. ShiringJeffrey L. Weis
John Williams III
LOCAL UNION No. 165
Randy K. BowserRicco M. Green
Phillip A. HughsonEarl W. Lasitis
Robert F. McMahonRobert R. Thompson
LOCAL UNION No. 211
Carl P. LongobardiThomas J. Rhall
LOCAL UNION No. 214
Marvin W. BellDavid E. Buck
Bonnie L. HartmanRonald C. HinkelLee R. Lightner
Franklin E. MillerCornelius R. SparksMichael T. Treese
John G. TroutJack W. Ziegler
LOCAL UNION No. 230
Frederick J. Cancilla, Jr.Clyde G. Jones
John R. McNally
LOCAL UNION No. 268
Steven R. ArblasterWayne A. Myers
Larry M. Tomczyk
LOCAL UNION No. 645
Andrew R. BrundaJoseph M. Chyko
John H. Keefer, Jr.Rich J. Kovaleski
Gary L. PotrzebowskiRobert M. Verbosh
Joseph P. WahyDrew Ziegler
LOCAL UNION No. 759
Samuel R. BigelowJohn A. Lint
LOCAL UNION No. 922
William L. BowdersRobert P. CerconeMichael P. WilsonThomas J. Winters
LOCAL UNION No. 947
Joseph DeAngelisJoseph Paul Keck
LOCAL UNION No. 950
Donald P. BlackThomas P. ByrneTerry D. CarlsonPaul B. Gibboney
Dennis N. JuryDuane L. Schnarrs
LOCAL UNION No. 1160
James M. DelletroPaul T. Keller
Thomas L. Patton
LOCAL UNION No. 1233
Robert H. GroteWilliam J. Riggins, Jr.
LOCAL UNION No. 1419
Patrick W. DoyleWillard F. Hoffman
Randall R. MersRalph A. Nagle
William B. SchnavelyJohn R. Zanos
LOCAL UNION No. 1759
Clark E. Cooper
LOCAL UNION No. 2235
James E. Bortnick, Sr.John A. Catanzarite, Jr.
Jackie L. Knisely
LOCAL UNION No. 2237
William S. BarrickJohn C. Bauer
Richard J. Klink
LOCAL UNION No. 2274
David J. Green, Sr.Brenda L. HetrickErnest M. JohnsonDavid O. Pletcher
Paul R. RaabCarmen Sciulli
George J. ShultzDonald L. StonerThomas L. Stubna
LOCAL UNION No. 2507
Pauline D. ArmstrongKenneth E. GilbertAnnabell McCleaf
Donald D. Semple, Sr.
WARNING!The jurisdiction of the Greater Penn sylvania Regional Council of Carpen ters is 60 counties in Pennsylvania and this Newsletter is mailed to all mem bers in the jurisdiction. Hopefully there is information here that is inter esting to all.
However, to all of our members from Central and Northeastern Penn sylvania, when reading this Newsletter, please keep in mind that the benefit plans we are talking about are the Greater Pennsylvania Plans and may NOT be the benefit plans with which you currently participate.
Page Four — EmployEE BEnEfit nEws
IN MEMORIAMWe pause in respectful silence to honor the memory of all our members or former members
whose deaths have been reported to the Fund Office since our last newsletter.
LOCAL UNION No. 81
JOSEPH F. BENSURJanuary 29, 2010
DANIEL C. EDMONDSApril 4, 2010
MAURICE W. GJERTSENSeptember 17, 2009
CHRISTOPHER J. TAMILINDecember 30, 2009
LOCAL UNION No. 84
ROBERT N. LUTHERFebruary 25, 2010
RALPH MAGILLJanuary 24, 2010
JAMES MENDICINOFebruary 14, 2010
WILLIAM E. MURPHYFebruary 5, 2010
CLIFFORD E. OPPERUDDecember 19, 2009
LOCAL UNION No. 142
GEORGE R. BURTApril 10, 2010
SOLOMON ELMORE, JR.January 23, 2010
DANIEL G. GEARYMay 15, 2010
IRWIN W. JACKSONMarch 8, 2010
DAVID P. McFALLFebruary 4, 2010
DONALD I. McGREGORDecember 13, 2009
KENNETH P. RAINEYDecember 12, 2009
CHARLES J. RODGERSMarch 12, 2010
JOHN S. SMITHFebruary 23, 2010
DEAN G. SOILISNovember 25, 2009
JAMES A. TORTOLAMay 29, 2010
EDWARD WILLIAMS, JR.February 3, 2010
LOCAL UNION No. 165
MELVIN BLAGOVICHApril 19, 2010
GERALD D. CLINGANJanuary 14, 2010
JOHN D. DILUCIAFebruary 27, 2010
JOSEPH A. EMANUELEDecember 5, 2009
EDWARD J. FARRENDecember 31, 2009
CHARLES B. FULMERMarch 9, 2010
MAURICE H. GODFREYNovember 18, 2009
ROY R. JACKSONMarch 5, 2010
KENNETH E. KOSJuly 3, 2009
DONALD L. KRAPFMarch 21, 2010
THOMAS L. MILLETARYNovember 10, 2009
VINCENT ORGERA, JR.March 26, 2010
THOMAS D. PLUTOApril 9, 2010
CHRISTOPHER M. RAEApril 20, 2010
FRANK S. SKERLAK, JR.March 28, 2010
RALPH WILLIAMSJanuary 8, 2010
LOCAL UNION No. 211
ROBERT W. FINKMarch 16, 2010
DONALD D. KULWICKIApril 2, 2010
WILLIAM J. SPINELLAMay 17, 2010
JAMES A. WOLFNovember 30, 2009
LOCAL UNION No. 214
RAYMOND F. BEARApril 30, 2009
EARL BRUBAKERJuly 12, 2008
C. H. BUCKWALTERMarch 21, 2010
JOHN A. DORKOSKINovember 1, 2009
ROBERT T. EVANSApril 23, 2010
GERALD A. FAIRCLOTHDecember 8, 2009
ROBERT GERBERMarch 3, 2010
JOHN L. GETTLEDecember 22, 2009
FERREE C. GROSSMANMarch 19, 2010
WILLIAM GUTHIERDecember 2, 2009
HARRY L. GUTTSCHALLSeptember 26, 2009
WALTER HAKEJanuary 10, 2010
DONALD L. HIMESOctober 14, 2009
HAROLD H. HORTINGMarch 20, 2010
RAY K. HOUSEROctober 20, 2009
HERBERT H. KRAMERMay 22, 2010
PAUL H. KREIDERJanuary 19, 2010
BRUCE I. LANDISDecember 15, 2009
DENNIS W. LUTZMarch 22, 2010
FREDERICK J. MARTELMarch 25, 2010
CASPER MECKMay 23, 2010
THOMAS M. MURPHYJanuary 5, 2010
WILLIAM H. OWENSFebruary 10, 2010
RICHARD L. PAINTERMay 2, 2010
ALBERT F. REIBSANESeptember 2, 2009
J. H. SCHELLApril 14, 2010
RICHARD T. SECRESTMay 14, 2010
GARY D. SHELDONOctober 18, 2009
GUY SIER, JR.November 7, 2009
WALTER H. SINGLEYDecember 17, 2009
DONALD E. STOUDTOctober 18, 2009
PAUL Z. VEREB, SR.May 19, 2010
EDWARD VOLKARFebruary 19, 2010
LOCAL UNION No. 230
SPENCE ASTLE, JR.November 26, 2009
RAYMOND BAUMILLERMarch 15, 2010
SALVATORE BORZIMay 23, 2010
EDWARD M. DEBOLDMarch 21, 2010
JOSEPH A. ELKONovember 30, 2009
WILLIAM A. KOVACMarch 19, 2010
GILBERT H. SCHMITTFebruary 18, 2010
FRANK E. SULLENBERGERDecember 11, 2009
WILLIAM F. YONDecember 16, 2009
LOCAL UNION No. 268
WILLIAM J. ALEXANDERJanuary 23, 2010
RUDOLPH G. DETELICHApril 19, 2010
WILLIAM J. GIBSONNovember 17, 2009
PETE MAIETTAMay 19, 2010
EmployEE BEnEfit nEws — Page Five
IN MEMORIAMWe pause in respectful silence to honor the memory of all our members or former members
whose deaths have been reported to the Fund Office since our last newsletter.
MELVIN MCCARTYApril 13, 2010
LOUIS E. SPADINFebruary 12, 2010
LOCAL UNION No. 645
DONALD F. BRADYApril 9, 2010
ROBERT J. BRENNANNovember 25, 2009
RICHARD CAPONEMarch 9, 2010
DAVID CRAGLENovember 20, 2009
ROBERT W. EROHJuly 13, 2009
WARREN EVANSFebruary 17, 2010
JOSEPH M. GRYZIECFebruary 13, 2010
ROBERT P. JONESDecember 16, 2009
RICHARD R. KNIGHTFebruary 12, 2010
THOMAS J. MIKOLSApril 30, 2010
JOHN R. NAESSIGMarch 14, 2010
ADAM T. NOVITSKYJuly 13, 2008
JOSEPH PEHALAFebruary 23, 2010
JAMES D. PELTON, JR.April 1, 2010
MELVIN RAMEYDecember 13, 2009
JACOB SUSCAVAGEDecember 17, 2009
PAUL VANDYKENovember 25, 2009
HARRY A. WENNERMarch 12, 2010
LOCAL UNION No. 759
LOUIS F. BEGANYIDecember 20, 2009
PHILLIP A. GIRARDJanuary 11, 2010
RAYMOND E. HENRYDecember 7, 2009
GEORGE POPPDecember 11, 2009
JOHN R. ZENEWICZFebruary 3, 2010
JOSEPH A. ZILKAFebruary 25, 2010
JOSEPH D. ZUZICHNovember 23, 2009
LOCAL UNION No. 922
GERALD L. ALLENDecember 5, 2009
RICHARD L. CAMPBELLApril 1, 2010
DONALD R. CANTWELLFebruary 3, 2010
RUSSELL D. DIEHLJanuary 7, 2010
WALTER DIESINGApril 22, 2010
HOYT E. FORTEMay 16, 2010
LOCAL UNION No. 947
E. NORMAN CARLSONMarch 1, 2010
RALPH R. HETRICKMarch 19, 2010
JOSEPH MACKINSFebruary 3, 2010
LOCAL UNION No. 950
EUGENE L. BARTONMay 23, 2010
MITCHELL B. FOORFebruary 27, 2010
MYLES M. MILLERFebruary 3, 2010
LOCAL UNION No. 1160
FREDERICK W. ARENTHNovember 4, 2009
JOSEPH GERBASIJanuary 17, 2010
RONALD F. KOONTZJanuary 6, 2010
JOHN J. KRESTMarch 25, 2010
HENRY L. MALINOWSKIFebruary 19, 2010
MARK SHARApril 30, 2010
DOMINIC A. STRAFALACEMay 6, 2010
JAMES C. WALLACE, JR.April 5, 2010
LOCAL UNION No. 1233
CHARLES J. LINSENBIGLERJuly 2, 2009
MARK J. MARTINOctober 28, 2009
LOCAL UNION No. 1419
DAVID R. COXMay 17, 2010
JOSEPH P. KOZARDecember 20, 2009
JAMES A. NEILSONApril 7, 2010
STANLEY PYTELOctober 14, 2009
LOCAL UNION No. 1759
MARIO E. BOSCOMay 4, 2010
JAMES A. CIRILLOApril 17, 2010
WILLIAM A. GUNDLACHJanuary 20, 2010
JAMES R. WHERRYApril 29, 2010
LOCAL UNION No. 2235
ROBERT L. BIVINSDecember 14, 2009
PAUL DAVISJanuary 6, 2010
RONALD A. FOWLERApril 23, 2010
ERNEST LAPOSTAOctober 17, 2009
DALE R. SAVAGEOctober 20, 2009
TIMOTHY W. SIEFFERTMarch 29, 2010
LOCAL UNION No. 2274
RICHARD L. BASINGERJanuary 15, 2010
RAYMOND E. BESTFebruary 1, 2010
JOSEPH G. FLEMINGJanuary 22, 2010
DOMENICK F. GOBLECKDecember 26, 2009
WILLIAM T. HARTEISSeptember 18, 2009
LEWIS T. HINSINGERNovember 14, 2009
RUSSELL J. HOSTETLERDecember 19, 2009
WILLIAM I. KALPApril 18, 2010
DONALD F. McDEAVITTMarch 21, 2010
RICK A. MOSTOLLERDecember 30, 2009
MICHAEL J. PETERSONMay 10, 2010
MARLIN G. SHRECKENGOST
December 9, 2009
OLLIE I. SMITHNovember 13, 2009
LEE N. VINTONMay 13, 2010
LOCAL UNION No. 2507
TERRI L. STOUFFEROctober 30, 2009
Page Six — EmployEE BEnEfit nEws
EmployEE BEnEfit nEws — Page Seven
Direct Deposit for Pension BenefitWhen we distributed our May,
2010 pension payments, there were 5,707 individuals in receipt of benefits which totaled almost $5.9 million for the month. Of the 5,707 individuals, 3,613 or 63% have now elected direct deposit for their monthly pension benefit. Each month we electronically deposit their pension benefit directly into their bank account instead of sending their checks through the mail.
In this manner, a member can guarantee that his benefit will be available to him on the first business
day of each month. You will no longer need to worry about checks being lost in the mail, lost at home, or stolen. Also, direct deposit is indispensable for participants who travel.
There is no longer any need to wait on the mailman, drive to the bank in the snow, and wait in line at the crowded bank. And at the same time, you will be helping your Pension Plan save a few cents.
If you have not signed up yet, please call the Fund Office to request a direct deposit authorization form.
Various Medical Contribution RatesWe believe it is important to understand how much is coming out of the total compensation package to provide medical coverage to the various trades. Here is a listing itemizing average contributions as of April, 2010. HOURLY CONTRIBUTIONTRADE RATE
Boilermaker........................ . $. 10.52Elevator.Constructor.......... . $. 10.02Iron.Worker....................... . $. 8.72Asbestos.Worker............... . $. 8.45Cement.Mason................... . $. 7.88Sheet.Metal.Worker........... . $. 7.80Painter............................... . $. 7.20Plumber............................. . $. 7.17Sprinkler.Fitter................... . $. 7.00Electrical.Worker................ . $. 7.00Dry.Wall.Finisher............... . $. 7.00Glazier,.Architectural.......... . $. 6.83Operating.Engineer............ . $. 6.64Steamfitter......................... . $. 6.44Laborer.............................. . $. 6.44Stone.Mason...................... . $. 6.25Bricklayer........................... . $. 6.25Terrazzo.Worker................. . $. 6.25Roofer................................ . $. 6.25Marble.Mason.................... . $. 6.25Tile.&.Marble.Finisher........ . $. 6.25Ceramic.Tile.Setter............. . $. 6.25Plasterer............................. . $. 6.05Pile.Driver.......................... . $. 5.12Millwright........................... . $. 5.03Floor.Coverer..................... . $. 5.01Carpenter........................... . $. 5.01
2010 Is the Year for the Roth Rollover
2010 marks the first year that high earning individuals can take advantage of a major new tax break.
Buried in the Tax Increase Prevention and Reconciliation Act (TIPRA) passed by Congress in 2006 are new rules that for the first time enable high earning individuals to take advantage of Roth Individual Retirement Accounts (IRA). Investments in a Roth IRA grow tax free, but until now those with adjusted gross incomes above $100,000 have been prohibited from opening Roth IRA accounts. The new rules will allow individuals, regardless of their income levels, to convert their traditional IRA and 401(k) accounts to Roth IRAs. As with any investment decision, there are potential advantages and disadvantages of conversion.
Roth IRAs offer real advantages to individuals in the areas of tax, retirement and estate planning.
The tax advantages are many: Roth’s are funded with after-tax dollars and when holders take qualified distributions from a Roth IRA, they don’t pay federal taxes on the distributions received. Converting to a Roth IRA creates a tax-free vehicle from which one can derive retirement income. Federal law permits investors to make the change by paying the taxes on assets converted from the traditional IRA to a Roth IRA.
Depending on the individual circumstances, there could be distinct advantages in planning for a Roth conversion in 2010. The taxable income that results from a conversion in 2010 can be spread out over the succeeding two-year
period of 2011 and 2012. Conversions after 2010 will be fully taxable in the year the conversion is made.
An advantage of the Roth IRA of particular interest to high earning individuals is that Roth IRA investors are not subject to mandatory minimum distribution requirements at age 70½.
High earning individuals are more likely to be able to pay for retirement expenses with funds from taxable accounts or tax-free municipal bonds, and can benefit from keeping the funds in the Roth IRA as long as possible, so they can keep growing tax-free.
Another benefit of the Roth is in estate planning. Roth IRAs provide an excellent source of asset transfer since the account grows tax-free without any requirement to make distributions during your lifetime. Roth IRAs are not considered income to the decedent, and consequently the beneficiaries will not pay income tax on their distributions from a Roth IRA.
Before making any planning decision regarding converting to a Roth IRA, one should consult
with a qualified tax advisor in conjunction with a financial planner. An appropriate recommendation can only be made after professional consultation to determine if any of the strategies made possible by TIPRA’s 2010 provisions are right for you.
* * * *Nadav Baum, The Nadav Baum Group,
Executive Vice President, BPU Investment Management, Inc., can be reached at
[email protected] Investment Management, Inc.
1-800-822-6585 bpuinvestments.comOne Oxford Centre, 301 Grant Street,
Suite 3300, Pittsburgh, PA 15219A Registered Investment Advisor;
Member FINRA/SIPC
by Nadav Baum
Carpenters’ Combined Funds, Inc.650 Ridge Road, Suite 300Pittsburgh, Pennsylvania 15205
Non-Profit Org.U.S. Postage
PAIDPittsburgh, PAPermit No. 880
REM
IND
ER
:M
embe
rshi
p A
ssis
tanc
e
Pro
gram
(M
AP
)is
a fre
e be
nefit
for
mem
bers
an
d fa
mily
mem
bers
Cal
l 1-8
88
-MA
P-6
637
for
assi
stan
ce w
ith
pers
onal
pro
blem
s su
ch a
s:
Ple
ase
visi
t yo
ur M
AP
web
site
w
ww
.lytl
eeap
part
ners
.com
Clic
k on
MA
P M
EMB
ER &
FA
MIL
Y t
abLo
gin
– m
apPas
swor
d –
carp
ente
rs
stre
ss
fam
ily a
nd m
arit
al is
sues
subs
tanc
e ab
use
wor
k-re
late
d pr
oble
ms
elde
r ca
re c
once
rns
bala
ncin
g w
ork
&
per
sona
l life
child
-rear
ing
emot
iona
l
