The International Union of Operating Engineers Local 94-94A-94B, AFL-CIO (“Union” or “Local 94”) and the International Union of Operating Engineers Local 94-94A-94B, AFL-CIO Health and Benefit Fund, Annuity Fund, Training Fund, and Scholarship Fund (the “Funds”) provide this website(s) as a service. It includes information related to Local 94 and the Funds. The information contained in this website(s) is intended to provide highlights of, and general information.
All contents of this website(s) and the conditions for its use are subject to amendment and updating without notice. Any modifications will be effective immediately upon posting. Your use of or access to the website(s) after any update or modification will signify your acceptance of the modifications and your consent and agreement to be bound by them. In the event of any inconsistency between the Union and/or Funds information on this website(s) and Union/Funds official documents, the official documents, as solely and exclusively interpreted by the Union’s Executive Board/Funds’ Board of Trustees, will govern. The Union and its Executive Board, and the Funds and their respective Boards of Trustees, shall not be liable for any actual losses or damages (or benefits offered under the Funds) with regard to the information contained in this website(s).
The Union, its Officers and Executive Board, and the Funds and their respective Boards of Trustees are not responsible for, and expressly disclaim all liability for, damages of any kind arising out of use, reference to, or reliance on any information contained within the website(s). While the information contained within the website(s) is periodically updated, no guarantee is given that the information provided in this website(s) is correct, complete, and up-to-date.
Although this website(s) may include links providing direct access to other Internet resources, including websites, neither the Union nor the Funds are responsible for the accuracy or content of information contained in those sites. Those websites and services may have their own privacy policies and customer service policies, or no policy (policies) at all. We encourage you to review the privacy policies of any third party websites or services. These links are offered for your convenience and do not constitute an endorsement of those websites. The inclusion of any such link does not imply a recommendation or endorsement by the Union and/or the Funds of the content and information on those websites.
The Union information and material set forth in this website(s) is for informational purposes only and is not intended to be an authoritative or binding presentation of the official rules and regulations governing the Union. While the Union information contained on this website(s) is intended to be correct, no representation or warranty (express or implied) is or will be given by the Union, or its Officers or Executive Board, as to the accuracy, completeness, or reliability of such information.
The Funds information and material set forth in this website(s) is for informational purposes only and is not intended to be an authoritative or binding presentation of the official rules and regulations of the Funds discussed herein. This presentation contains information derived from the plan documents and summary plan descriptions and is presented in a manner which is intended to be accessible. However, the Funds (or their respective Boards of Trustees) make no other claim, representation, or warranty, express or implied, regarding its accuracy, completeness, or reliability with respect to information set forth on this website(s). Please be sure to refer to the applicable plan documents for information governing your rights under the Funds.
The information provided on this website(s) does not overrule or amend or modify in any way the official plan documents, rules, and regulations employed by the Funds. To the extent that any of the information contained in this website(s) is inconsistent with the official plan documents (which includes the Trustees’ rights to amend or modify the plan documents), the plan documents will govern in all cases. The Board of Trustees of each of the individual Funds above reserves the right to amend, modify, or wholly or partially terminate the benefits relating to any or all of such Funds.
Any health information contained on this website(s) is general in nature and not a substitute for professional health care or to replace the advice of health care professionals. If you have specific health care needs, or for complete health information, please see a doctor or other health care provider.
The Union and/or the Funds own or possess the rights to use all content (as well as respective copyrights, if applicable) on this website(s). Except as otherwise expressly provided herein, no one has the right to copy, reproduce, republish, upload, post, transmit, or distribute anything from this website(s) without the prior written consent of the Funds.
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When am I eligible to take a loan?
A participant must be actively employed with a participating employer for at least three years immediately prior to the loan request. Retired participants are not eligible for a loan. For more information, please go to the Annuity Fund section of this site.