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Welcome to Five River Carpenters Health Welfare Fund The Five River Carpenters Health Welfare Fund provides eligible active employees and their eligible dependents with a broad range of health and welfare benefits including medical prescription drug dental and vision care benefits as well as short term disability benefits if you are unable to work as the result of a nonoccupational injury or illness. View the Summary Plan Document for complete details about your benefits. This Web site contains important information about your benefits and provides you with easy access to any forms and resources you may need answers to frequently asked questions and more. Latest Information 2024 COBRA Rates Carpenters effective January 1 2024 2023 Annual Notices Summary of Material Modification Public Employees Incarceration Change effective September 1 2023 Summary of Material Modification Continuous Glucose Monitors effective January 1 2024 2023 Beneficiary Designation Form Summary of Material Modification Increase in Contribution Rate effective August 1 2023 2023 COVID Emergency Declaration Period End Notice effective May 11 2023 2023 SavRx Step Therapy Program 2023 Summary of Benefits Sheet 2023 Summary of Benefits and Coverage effective January 1 2023 2022 Summary of Benefits and Coverage effective August 2022 December 2022 No Surprises Act Notice Machine Readable Transparency in Coverage 2022 Annual Notices 2023 COBRA Rates Carpenters effective January 1 2023 Summary of Material Modification Plan Changes Since 2021 SPD Summary of Material Modification 2023 Plan Changes effective January 1 2023 Summary of Material Modification Autism Spectrum Disorder Treatment effective August 1 2022 Affidavit of Retirement Form Coverage for OTC COVID19 Diagnostic Testing Kits AtHome and OvertheCounter COVID19 Diagnostic Testing Medicare Part D Notice Premium Assistance Under Medicaid and the Childrens Health Insurance ProgramCHIP No Surprises Act Out of Network Providers and Balance Billing Prohibitions Notice of Privacy Practices Annual WHCRA Breast Reconstruction Notice 2022 Summary of Benefits and Coverage effective January 1 2022 2022 COBRA Rates Carpenters effective January 1 2022 2021 Summary of Benefits and Coverage effective January 1 2021 2021 COBRA Rates Carpenters effective January 1 2021 Virtual Visits Coronavirus Testing New Prescription Plan Administrator effective January 1 2020 Summary of Material Modification Increase in Contribution Rate effective July 1 2022 Summary of Material Modification Increase in Contribution Rate effective July 1 2019 Summary of Material Modification Disability Benefits for Pregnancy effective September 1 2018 Summary of Material Modification Updated Opioid Management Procedures effective September 1 2018 Summary of Material Modification Increase in Contribution Rate effective July 1 2018 0 Copay for Telahealth Services effective January 1 2019 HIPAA Notice of Privacy effective October 1 2018 Premium Assistance Under Medicaid and the Childrens Health Insurance Program CHIP effective July 31 2018 This information is intended only to provide highlights of the benefits available under the Five River Carpenters Health Welfare Fund.