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		<title> blog</title>
		<link>http://www.carpenterscombinedfunds.org/ccf-news/</link>
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			<title>Open Enrollment 2012</title>
			<link>http://www.carpenterscombinedfunds.org/open-enrollment-2012/</link>
			<description>&lt;p&gt;&lt;a title=&quot;Open Enrollment 2012&quot; href=&quot;https://emi.carpenterscombinedfunds.org/EMICCF/index.htm&quot; target=&quot;_blank&quot;&gt;Click here to access the Open Enrollment System&lt;/a&gt;&lt;/p&gt;</description>
			<pubDate>Wed, 01 Feb 2012 15:38:31 -0600</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/open-enrollment-2012/</guid>
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			<title>New Password Requirements for Retirement Directions Website</title>
			<link>http://www.carpenterscombinedfunds.org/new-password-requirements-for-retirement-directions-website/</link>
			<description>&lt;p&gt;Vested Interest strives to implement the most effective security controls for our plan participants. As a measure to further preserve and strengthen that security, Vested Interest will be implementing new password requirements for access to the Retirement Directions Web Site. In addition, new PIN requirements for the Vested Interest Response Line will also be implemented.&lt;/p&gt;
&lt;p&gt;&lt;a title=&quot;Participant Notice of Password / PIN enhanced requirements&quot; href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Savings/PINChange11-2011.pdf&quot; target=&quot;_blank&quot;&gt;Participant Notice of Password / PIN enhanced requirements&lt;/a&gt;&lt;/p&gt;</description>
			<pubDate>Thu, 17 Nov 2011 15:02:09 -0600</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/new-password-requirements-for-retirement-directions-website/</guid>
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			<title>2009 Option Statements</title>
			<link>http://www.carpenterscombinedfunds.org/2009-option-statements/</link>
			<description>&lt;p&gt;If you qualify for an 2009 Option Statement, it will be included in your third quarter Greater Pennsylvania Carpenters Annuity and Savings Fund statement from PNC Vested Interest.  These statements will be mailed on October 14th.  If you enrolled in statement on demand at &lt;a title=&quot;PNC Vested Interest&quot; href=&quot;https://www.retirementdirections.com/default.htm&quot; target=&quot;_blank&quot;&gt;PNC Vested Interest&lt;/a&gt;, you can download your statement on October 14th.&lt;/p&gt;
&lt;p&gt;Option checks were released by PNC Vested Interest on Thursday December 1st.&lt;/p&gt;</description>
			<pubDate>Tue, 04 Oct 2011 13:41:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/2009-option-statements/</guid>
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			<title>Employee Benefit Newsletter Sept 2011</title>
			<link>http://www.carpenterscombinedfunds.org/employee-benefit-newsletter-sept-2011/</link>
			<description>&lt;p&gt;&lt;a title=&quot;ee Benefit Newsletter September 2011&quot; href=&quot;http://www.carpenterscombinedfunds.org/assets/News/Newsletters/CCFNewsLetter092011.pdf&quot; target=&quot;_blank&quot;&gt;Employee Benefit Newsletter September 2011&lt;/a&gt;&lt;/p&gt;</description>
			<pubDate>Mon, 03 Oct 2011 13:45:11 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/employee-benefit-newsletter-sept-2011/</guid>
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			<title>Detail Statements</title>
			<link>http://www.carpenterscombinedfunds.org/detail-statements/</link>
			<description>&lt;p&gt;2nd Quarter 2011 detail statement will be mailed on August 29th.  On  this statement you should see only your 2011 work through June 2011.  Please notify this office of any errors on your statement  immediately.&lt;/p&gt;</description>
			<pubDate>Mon, 29 Aug 2011 13:09:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/detail-statements/</guid>
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			<title>Notice of Election of Funding Relief to Participants and Beneficiaries</title>
			<link>http://www.carpenterscombinedfunds.org/notice-of-election-of-funding-relief-to-participants-and-beneficiaries/</link>
			<description>&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Pension/Articles/NoticeofElectionofMultiemployerPlanFundingRelief.pdf&quot;&gt;Notice of Election of Funding Relief to Participants and Beneficiaries&lt;/a&gt;&lt;/p&gt;</description>
			<pubDate>Tue, 26 Apr 2011 14:38:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/notice-of-election-of-funding-relief-to-participants-and-beneficiaries/</guid>
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			<title>Greater PA Carpenters Pension Fund - Annual Funding Notice 2010</title>
			<link>http://www.carpenterscombinedfunds.org/greater-pa-carpenters-pension-fund-annual-funding-notice-201/</link>
			<description>&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Pension/Articles/PensionAnnualFundingNotice2010.pdf&quot;&gt;Greater PA Carpenters Pension Fund - Annual Funding Notice 2010&lt;/a&gt;&lt;/p&gt;</description>
			<pubDate>Tue, 26 Apr 2011 14:35:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/greater-pa-carpenters-pension-fund-annual-funding-notice-201/</guid>
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			<title>Medco Smartphone App</title>
			<link>http://www.carpenterscombinedfunds.org/medco-app/</link>
			<description>&lt;p&gt;&lt;strong&gt;The Medco Pharmacy app: your on-the-go app for prescription safety alerts, reminders, and potential savings!&lt;/strong&gt;&lt;/p&gt;
&lt;p&gt;The brand-new &lt;strong&gt;Medco Pharmacy&lt;/strong&gt; app helps you stay on track with taking your medications as prescribed. And you can download it for free from the VCAST app store!&lt;/p&gt;
&lt;p&gt;After downloading the app, log in with your online medco.com user ID and password to open*:&lt;/p&gt;
&lt;p&gt;&lt;strong&gt;My Rx Choices&amp;reg;&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Look up potential lower-cost prescription options available under your plan and discuss them with your doctor - even while you're still in the doctor's office!&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;strong&gt;My Medicine Cabinet&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;View your medications and set reminders for when to take them or notify you when you are running low.&lt;/li&gt;
&lt;li&gt;Get personalized alerts if there's a possible health risk related to your medications. You can also add over-the-counter medications, vitamins, and supplements to check for possible interactions with your prescriptions!&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;strong&gt;Prescription ID Card&lt;/strong&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;Don't have your prescription ID card in your wallet? No problem. Use your phone to display a virtual card that you can show at the pharmacy.&lt;/li&gt;
&lt;/ul&gt;
&lt;p&gt;&lt;strong&gt;Download the Medco Pharmacy app-for free!&lt;/strong&gt;&lt;br /&gt;This new app is available to anyone with a &lt;strong&gt;BlackBerry&amp;reg;&lt;/strong&gt; or &lt;strong&gt;Android&lt;sup&gt;TM&lt;/sup&gt;&lt;/strong&gt; smartphone using the Verizon Wireless network. Go to the VCAST app store&amp;dagger;, search for &quot;Medco Pharmacy&quot; and download it today.&lt;/p&gt;
&lt;p&gt;&lt;br /&gt;*If you haven't yet registered on &lt;a href=&quot;http://www.medco.com&quot; target=&quot;_blank&quot; title=&quot;medco.com&quot;&gt;medco.com&lt;/a&gt;, please go to the site to get your medco.com&amp;reg; user ID and password.&lt;/p&gt;
&lt;p&gt;&amp;dagger; For BlackBerry users that cannot locate the VCAST app store on your smartphone, go to &lt;a href=&quot;http://www.medco.com/bb&quot; target=&quot;_blank&quot; title=&quot;www.medco.com/bb&quot;&gt;www.medco.com/bb&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
			<pubDate>Thu, 14 Apr 2011 11:07:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/medco-app/</guid>
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			<title>Medical Statements</title>
			<link>http://www.carpenterscombinedfunds.org/medical-statements/</link>
			<description>&lt;p&gt;Semi Annual Medical statements were mailed on March 3, 2011.&amp;nbsp; If you require a self payment to be eligible, payments must be received by March 25, 2011 or coverage will be terminated as of April 1, 2011.&amp;nbsp;&amp;nbsp; If you have any questions, please contact the Fund Office.&lt;/p&gt;</description>
			<pubDate>Fri, 04 Mar 2011 12:43:00 -0600</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/medical-statements/</guid>
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			<title>Planning Guide for Participants Nearing Retirement</title>
			<link>http://www.carpenterscombinedfunds.org/planning-guide-for-participants-nearing-retirement/</link>
			<description>&lt;p&gt;What are your plans for retirement?&lt;/p&gt;
&lt;p&gt;For some, retirement is about living out dreams they didn't have time for during their working years.&lt;/p&gt;
&lt;p&gt;For others, it's a time to scale back activities and live a more relaxed life.&lt;/p&gt;
&lt;p&gt;Whatever you have in mind for your future, planning is key and this guide is designed to help you get started.&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Savings/Articles/NearingRetirementGuide.pdf&quot;&gt;Planning Guide for Participants Nearing Retirement&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
			<pubDate>Tue, 08 Feb 2011 10:55:00 -0600</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/planning-guide-for-participants-nearing-retirement/</guid>
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			<title>Employee Benefit Newsletter December 2010</title>
			<link>http://www.carpenterscombinedfunds.org/employee-benefit-newsletter-december-201/</link>
			<description>&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/News/Newsletters/CCFNewsLetter122010.pdf&quot;&gt;Employee Benefit Newsletter - December 2010&lt;/a&gt;&lt;/p&gt;</description>
			<pubDate>Mon, 03 Jan 2011 10:59:00 -0600</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/employee-benefit-newsletter-december-201/</guid>
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			<title>Dental Open Enrollment Period...</title>
			<link>http://www.carpenterscombinedfunds.org/dental-open-enrollment-period/</link>
			<description>&lt;p&gt;Open enrollment for United Concordia Dental Plan is available. &lt;/p&gt;
&lt;p&gt;Enrollment materials can be obtained by contacting the Membership and Billing Department at 1-866-477-2433. Please complete your enrollment form and check for the first three months of premium. The information should be forwarded to:&lt;/p&gt;
&lt;p&gt;United Concordia Companies, Inc.&lt;br/&gt;PO Box 69423&lt;br/&gt;Harrisburg, PA 17106-9423&lt;/p&gt;
&lt;ul&gt;&lt;li&gt;Mail in cut-off is 12/20/2010 for a 01/01/2011 effective date&lt;/li&gt;
&lt;li&gt;Mail in cut-off is 01/20/2011 for a 02/01/2011 effective date&lt;/li&gt;
&lt;li&gt;Mail in cut-off is 02/20/2011 for a 03/01/2011 effective date&lt;/li&gt;
&lt;/ul&gt;&lt;p&gt;Please note that if you have not enrolled by 03/01/2011, you will not be eligible until the next open enrollment for 01/01/2012.&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/voluntary-benefits/&quot; title=&quot;Click here&quot;&gt;Click here&lt;/a&gt; for more information regarding this voluntary dental program.&lt;/p&gt;</description>
			<pubDate>Fri, 03 Dec 2010 15:34:00 -0600</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/dental-open-enrollment-period/</guid>
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			<title>Significant Medical Plan Changes</title>
			<link>http://www.carpenterscombinedfunds.org/significant-medical-plan-changes/</link>
			<description>&lt;p&gt;Effective January 1, 2011, there will be &lt;strong&gt;significant changes &lt;/strong&gt;to Greater Pennsylvania Carpenters Medical Plan.&amp;nbsp; Please read this &lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Medical/MedicalNotice102010.pdf&quot;&gt;Important Notice&lt;/a&gt; for more information regarding changes to the Plan.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
			<pubDate>Fri, 29 Oct 2010 15:47:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/significant-medical-plan-changes/</guid>
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			<title>Employee Benefit Newsletter June 2010</title>
			<link>http://www.carpenterscombinedfunds.org/employee-benefit-newsletter-june-201/</link>
			<description>&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/News/Newsletters/CCFNewsLetter062010.pdf&quot;&gt;Employee Benefit Newsletter - June 2010&lt;/a&gt;&lt;/p&gt;</description>
			<pubDate>Wed, 30 Jun 2010 20:19:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/employee-benefit-newsletter-june-201/</guid>
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			<title>MAPS - Summer 2010</title>
			<link>http://www.carpenterscombinedfunds.org/maps-summer-201/</link>
			<description>&lt;p&gt;&lt;span&gt;The summer edition of the &lt;em&gt;&lt;span&gt;LifeLines&lt;/span&gt;&lt;/em&gt; newsletter that provides members with useful information on financial planning for college graduates, traveling tips for elderly, and an article by Dawn Boggs, a MAP counselor in our Pittsburgh office, on assertiveness.&amp;nbsp; &lt;/span&gt;&lt;/p&gt;
&lt;p&gt;&lt;span&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Medical/Articles/CarpetnersMAPS072010.pdf&quot;&gt;MAPS Summer 2010&lt;/a&gt;&lt;br /&gt;&lt;/span&gt;&lt;/p&gt;</description>
			<pubDate>Wed, 30 Jun 2010 20:02:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/maps-summer-201/</guid>
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			<title>Greater PA Carpenters Pension Fund - Annual Funding Notice 2009</title>
			<link>http://www.carpenterscombinedfunds.org/greater-pa-carpenters-pension-fund-annual-funding-notice-2/</link>
			<description>&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Pension/Articles/PensionAnnualFundingNotice2009.pdf&quot; target=&quot;_blank&quot; title=&quot;Greater PA Carpenters Pension Fund - Annual Funding Notice 2009&quot;&gt;Greater PA Carpenters Pension Fund - Annual Funding Notice 2009&lt;/a&gt;&lt;/p&gt;</description>
			<pubDate>Fri, 30 Apr 2010 12:01:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/greater-pa-carpenters-pension-fund-annual-funding-notice-2/</guid>
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			<title>Wellness Path - April 2010</title>
			<link>http://www.carpenterscombinedfunds.org/wellness-path-april-201/</link>
			<description>&lt;p&gt;WELLNESS PATH:&amp;nbsp; Healthy choices you can live with --- for life!&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Medical/Articles/CarpentersMAPS042010.pdf&quot; target=&quot;_blank&quot; title=&quot;Wellness Path Information&quot;&gt;Click here&lt;/a&gt;&lt;/p&gt;</description>
			<pubDate>Wed, 14 Apr 2010 09:27:00 -0500</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/wellness-path-april-201/</guid>
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			<title>Vested Interest Enhanced Education Center</title>
			<link>http://www.carpenterscombinedfunds.org/vested-interest-enhanced-education-center/</link>
			<description>&lt;p&gt;PNC Vested Interest is pleased to announce an expansion to our Retirement Directions website.  Plan participants will now have access to an expanded Education Center.&lt;/p&gt;
&lt;p&gt;The Education Center will host a variety of educational planning tools, such as Calculators, iCharts, Tutorials and Business Week Articles.  These items will rotate on a quarterly basis (with the exception of the Business Week Articles that will change monthly).  Participants will be able to utilize the interactive tools to assist them with managing their retirement account.  Also in the Education Center will be plan specific and general communication articles.&lt;/p&gt;
&lt;p&gt;We encourage you to take a moment to access the Education Center via the participant side of &lt;a href=&quot;http://www.retirementdirections.com&quot; target=&quot;_blank&quot; title=&quot;Vested Interest Retirement Directions&quot;&gt;www.retirementdirections.com&lt;/a&gt;.  For your convenience, we are attaching a communication bulletin outlining the features of the &lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Savings/EducationCenterBulletin.pdf&quot; target=&quot;_blank&quot; title=&quot;Vested Interest Education Center&quot;&gt;Education Center&lt;/a&gt;.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
			<pubDate>Mon, 18 Jan 2010 14:13:00 -0600</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/vested-interest-enhanced-education-center/</guid>
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			<title>Notice for Greater PA Pension and Savings Participants</title>
			<link>http://www.carpenterscombinedfunds.org/notice-for-greater-pa-pension-and-savings-participants/</link>
			<description>&lt;h3&gt;Notice for Participants of Greater Pennsylvania Carpenters Pension Fund and Greater Pennsylvania Carpenters Annuity and Savings Fund&lt;/h3&gt;
&lt;p&gt;The Pension Fund and Annuity and Savings Fund have each been amended to maintain their favorable tax status under the Internal Revenue Code.&lt;/p&gt;
&lt;p&gt;As part of the amendment process, applications will be filed with the Internal Revenue Service for determinations that the amended Pension Fund and the amended Annuity and Savings Fund satisfy the Internal Revenue Code requirements for favorable tax status.&lt;/p&gt;
&lt;p&gt;In order to file the applications, the IRS requires that you be notified of your right to submit comments to the IRS on the amended Pension Fund or the amended Annuity and Savings Fund.  The link below notify of your right to submit comments and explains how to do so.  &lt;span&gt;No action is required &lt;/span&gt;on your part if you do not wish to submit any comments.&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Pension/amendment2010.pdf&quot; target=&quot;_blank&quot; title=&quot;amendment documentation&quot;&gt;amendment documentation&lt;/a&gt;&lt;/p&gt;
&lt;p&gt;Please contact us if you have any questions.&lt;/p&gt;
&lt;p&gt;&amp;nbsp;&lt;/p&gt;</description>
			<pubDate>Thu, 14 Jan 2010 10:36:00 -0600</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/notice-for-greater-pa-pension-and-savings-participants/</guid>
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			<title>How to reduce holiday stress</title>
			<link>http://www.carpenterscombinedfunds.org/how-to-reduce-holiday-stress/</link>
			<description>&lt;p&gt;Let&amp;rsquo;s face it&amp;mdash;2009 hasn&amp;rsquo;t been a fun year for many people. We are still stumbling through an economic implosion. The last thing we need is more money worries, more hassles, and more stress. Unfortunately, that&amp;rsquo;s exactly what the holidays can bring.&lt;/p&gt;
&lt;p&gt;&lt;a href=&quot;http://www.carpenterscombinedfunds.org/assets/SiteFiles/Medical/WellnessArticles/HolidayStressTips.pdf&quot; target=&quot;_blank&quot;&gt;Holiday Stress Tips&lt;/a&gt; - This is a article provided by MAPS to give you tips on how to reduce holiday stresses.&lt;/p&gt;</description>
			<pubDate>Wed, 09 Dec 2009 09:28:00 -0600</pubDate>
			
			
			<guid>http://www.carpenterscombinedfunds.org/how-to-reduce-holiday-stress/</guid>
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