Union Employers stand to experience Fixed Payroll FICA Net-Savings of

$47.80

Per union member employee per month!

These savings are a direct result of the premiums being deducted pre-tax from each employee’s paycheck — reducing the employee and employers tax liability.

Multiply these savings by all your union employees and the savings will be significant!

Please see, Summary Plan Description and controlling Plan Document, as required by the Employee Retirement Income Security Act of 1974, 29 U.S.C. et seq. (ERISA), for the full details of the CHAMP™ Employee Benefit Plan

Discrimination: The Plan is intended to not discriminate in favor of highly compensated individuals as to eligibility to participate, contributions and benefits in accordance with applicable provisions of the IRS Code. The Plan Administrator may take such actions as excluding certain highly compensated individuals from participation in the Plan or limiting the contributions made with respect to certain highly compensated Participants if, in the Plan Administrator’s review and judgment, such actions serve to assure that the Plan does not violate the applicable nondiscrimination rules.

Privacy and Security: We are required by law to maintain the privacy and security of any personally identifiable health information. Although the CHAMP™ Plan and the Plan Sponsor may use aggregate information it collects to design a program based on identified health risks in the workplace, the Plan Sponsor will never disclose any personal information either publicly, except as necessary to respond to a request for a reasonable accommodation needed to participate in the CHAMP™ Plan, or as expressly permitted by law. Personally identifiable medical information provided in connection with the CHAMP™ Plan will not be shared with the employer and may never be used to make decisions regarding employment. Additional copies of our Notice of Privacy Practices are available by calling the Plan Sponsor at the phone number included in Article II – Introduction and Purpose; General Plan Information.

Mental Health Parity: Pursuant to the Mental Health Parity Act (MHPA) of 1996 and the Mental Health Parity and Addiction Equity Act of 2008 (MHPAEA), collectively, the mental health parity provisions in Part 7 of ERISA, If this Plan covers mental and substance benefits, it applies terms uniformly and enforces parity between covered health care benefits and covered mental health and substance disorder benefits relating to financial cost-sharing restrictions and treatment duration limitations. For further details, please contact the Plan Administrator.

Applicable Law: This is a self-funded benefit plan coming within the purview of the Employee Retirement Income Security Act of 1974 (“ERISA”). The Plan is funded with Employee and/or Employer contributions. As such, when applicable, Federal law and jurisdiction preempt State law and jurisdiction.

HIPAA: The Plan Sponsor agrees that the Plan will follow all requirements involving the use or disclosure of protected health information as provided for in 45 C.F.R. Part 164. The Benefits Coordinator’s duties and responsibilities in connection with the requirements imposed by HIPAA and regulations promulgated thereunder will be set forth in a separate agreement between the Parties. In the event the Plan submits claims or eligibility inquiries, or any other HIPAA Covered Transaction as defined in 45 C.F.R. Part 160 and 162 to the Benefits Coordinator through electronic means, the Plan and the Benefits Coordinator shall comply with all applicable requirements of HIPAA and the Plan and the Benefits Coordinator shall require any of their respective agents, business associates or subcontractors to comply with all applicable requirements of HIPAA.

HIPAA Privacy: The Plan provides each member with a separate Notice of Privacy Practices. This Notice describes how the Plan uses and discloses Personal Health Information. It also describes certain rights of enrollees regarding this information.

Tax Disclaimer: The information provided in this document is intended for general informational purposes only and does not constitute legal, tax, or financial advice. The accuracy, completeness, adequacy, or currency of the information is not warranted or guaranteed. It is your responsibility to verify any information before relying on it. This document may not cover all applicable tax laws or rules, which are subject to change at any time without notice. You should seek the advice of a qualified tax professional or other advisor to determine the most appropriate tax treatment for your individual circumstances. We assume no liability for any reliance on the information provided in this document or for any errors or omissions in its content.

Brand Identification: Any reference to a recognized brand does not constitute or imply any relationship or affiliation with, CHAMP™, or any of its business associates. Client relationships may be limited to one or more franchise owners of the national brands and is not intended to imply they  entire brand is utilizing CHAMP™

Testimonial Disclaimer: Any testimonial provided by, a satisfied customer of  CHAMP™, or any of its affiliated business associates. They were not compensated or provided with any incentive for providing these testimonials. Champ is not responsible for any opinions or statements made by any party in these testimonials.

Please see the full plan document for a list of exclusions and limitations.

The CHAMP Plan™ is a Registered Trademark of Champion Health, Inc.