2025-11-04T14:35:55-06:00 2024-12-31 WITHUMSMITHBROWNPC 1800 TYSONS BLVD SUITE 800 TYSONS VA 22102 990 2024-01-01 541875242 NALC HEALTH BENEFIT PLAN FOR EMPLOYEES AND STAFF % STEPHANIE STEWART ASST ADMI NALC 7037294677 20547 WAVERLY COURT ASHBURN VA 20149 STEPHANIE STEWART ASST. ADMINISTRATOR 7037294677 2025-11-03 true true RICHARD RUVELSON P00234075 3012726000 2025-11-03 2024 2025-03-06 01:10:19Z STEPHANIE STEWART 20547 WAVERLY COURT ASHBURN VA 20149 17318303 false X N/A X 1997 VA A WELFARE BENEFIT PLAN THAT COVERS EMPLOYEES & ANNUITANTS, AND THEIR ELIGIBLE DEPENDENTS AND SURVIVORS, OF THE NATIONAL ASSOCIATION OF LETTER CARRIERS, A TAX-EXEMPT ORGANIZATION, AND ITS RELATED ENTITIES. 3 0 0 0 0 0 0 0 13842901 15783929 26499 258521 13950 277448 13883350 16319898 0 0 13189011 11569924 0 0 0 0 0 1454053 1466973 14643064 13036897 -759714 3283001 11506166 15822600 700927 1409777 10805239 14412823 X THE ORGANIZATION IS THE TRUST FOR A WELFARE BENEFIT PLAN THAT COVERS EMPLOYEES AND ANNUITANTS, AND THEIR ELIGIBLE DEPENDENTS AND SURVIVORS, OF THE NATIONAL ASSOCIATION OF LETTER CARRIERS, A TAX-EXEMPT ORGANIZATION, AND ITS RELATED ENTITIES. THE ORGANIZATION IS AN EMPLOYEE BENEFIT PLAN SUBJECT TO THE LAWS OF EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974. false false FUNDED HEALTH BENEFITS (MEDICAL, HOSPITAL, SURGICAL, MAJOR MEDICAL, AND DENTAL) FOR ELIGIBLE PLAN PARTICIPANTS AND THEIR COVERED DEPENDENTS AND BENEFICIARIES. false false false false false false false false false false false false false true true true false false false false false false false false false false false false true false false false false false false false false false false false true false false true 615 0 true 0 false false false false false false false false X 3 0 true false false false false false false true false false false true false true true false false false X STEPHANIE STEWART ASST ADMI 7037294677 20547 WAVERLY COURT ASHBURN VA 20149 X BRIAN RENFROE ADMINISTRATOR 1.0 39.0 X 0 273476 62014 RICK LAFOLLETTE CONTROLLER 33.0 2.0 X 0 136379 152065 STEPHANIE STEWART ASST ADMINISTRATOR 5.0 35.0 X 0 226756 55011 BERNARD PERLMUTTER ASSISTANT ADMINISTRATOR 34.0 1.0 X 0 155067 104787 JARDINE BERNITA SUPERINTENDENT OF CLAIMS 1.0 34.0 X 0 117532 79563 KENNETH TUSSING Maintenance Manager 1.0 34.0 X 0 112518 72477 SHEWBRIDGE HOWARD ISS MANAGER 1.0 34.0 X 0 118794 54083 CHARLES HEEGE TRUSTEE 1.0 39.0 X 0 42970 84633 SANDRA LAEMMEL TRUSTEE 1.0 39.0 X 0 43289 79592 LAWRENCE D BROWN JR TRUSTEE 1.0 39.0 X 0 43605 9181 0 1270386 753406 2 false true false NALC HEALTH BENEFIT PLAN 20547 WAVERLY COURT ASHBURN VA 20149 CONTRACT LABOR 804646 CIGNA HEALTHCARE 10490 LITTLE PATUXENT PKWY STE 400 COLUMBIA MD 21044 NETWORK ADMIN FEES 187292 WILLIS TOWERS WATSON 800 NORTH GLEBE ROAD FLOOR 10 ARLINGTON VA 22203 ACTUARIAL SERVICES 131047 3 0 EMPLOYER CONTRIBUTIONS 525100 14826228 14826228 PARTICIPANT CONTRIBUTIONS 525100 957701 957701 15783929 253337 253337 0 0 0 0 0 1003589 998405 5184 5184 5184 0 0 0 0 0 0 0 0 0 DISBURSEMENT WRITE-OFF 525100 12260 12260 CLAIMS RECOVERY 900099 265188 265188 277448 16319898 16061377 0 258521 0 0 0 11569924 0 0 0 0 0 0 0 46006 96688 0 0 24162 274626 0 52164 52253 0 36676 305 0 0 0 0 0 13054 ALLOCATED LABOR 804646 PROGRAM COMPLIANT INCIDENTALS 33090 CONTRACT DISCOUNT SAVINGS 12957 EQUIPMENT EXPENSES 11497 8849 13036897 0 0 567365 3844476 0 0 2304449 2840945 0 0 0 0 0 0 676 675 0 0 0 0 0 0 8527167 9082842 0 0 0 0 0 0 106509 53662 11506166 15822600 80501 66515 0 0 0 0 0 0 0 0 0 0 0 0 0 0 620426 1343262 700927 1409777 X 0 0 0 0 10805239 14412823 10805239 14412823 11506166 15822600 3283001 324583 X false true X true false 0 DUE TO RELATED ENTITY 1150757 OUTSTANDING BENEFIT CHECKS 192505 1343262 X 16620319 324583 324583 16295736 24162 24162 16319898 13012735 13012735 24162 24162 13036897 PART X, LINE 2 - FIN 48 FOOTNOTE: Accounting principles generally accepted in the United States of America require management to evaluate income tax positions taken and to recognize an income tax liability if the Plan has taken an uncertain position that more likely than not would not be sustained upon examination by the Internal Revenue Service. Management has evaluated the tax positions taken by the Plan, and concluded that as of December 31, 2024 and 2023, there are no uncertain positions taken or expected to be taken that would require recognition in the financial statements. The Plan is subject to routine audits by taxing jurisdictions; however, there are currently no audits in progress for any tax periods. In addition, there has been no tax-related interest or penalties for the periods presented in these financial statements. false false false JARDINE BERNITA SUPERINTENDENT OF CLAIMS 0 117532 0 0 0 0 0 54706 0 24857 0 197095 0 0 STEPHANIE STEWART ASST ADMINISTRATOR 0 195511 0 0 0 31245 0 55011 0 0 0 281767 0 0 BERNARD PERLMUTTER ASSISTANT ADMINISTRATOR 0 155067 0 0 0 0 0 79743 0 25044 0 259854 0 0 RICK LAFOLLETTE CONTROLLER 0 136379 0 0 0 0 0 127208 0 24857 0 288444 0 0 SHEWBRIDGE HOWARD ISS MANAGER 0 118794 0 0 0 0 0 42185 0 11898 0 172877 0 0 KENNETH TUSSING Maintenance Manager 0 112518 0 0 0 0 0 47620 0 24857 0 184995 0 0 BRIAN RENFROE ADMINISTRATOR 0 244823 0 0 0 28653 0 48432 0 13582 0 335490 0 0 PART II, COLUMN C - DEFERRED COMPENSATION: REPRESENTS THE ANNUAL CHANGE IN THE ACTUARIAL VALUE OF A QUALIFIED DEFINED BENEFIT PLAN, AS CALCULATED BY THE PLAN ACTUARY. PART VI, SECTION A, LINE 2 - BUSINESS RELATIONSHIP BOARD MEMBERS BRIAN RENFROE, STEPHANIE M. STEWART, LAWRENCE D. BROWN JR., CHARLES HEEGE, AND SANDRA LAEMMEL SERVE AS THE PRESIDENT, EXECUTIVE VICE PRESIDENT, DIRECTOR OF HEALTH BENEFITS, TRUSTEE, TRUSTEE, AND TRUSTEE, RESPECTIVELY, FOR THE NATIONAL ASSOCIATION OF LETTER CARRIERS. PART VI, SECTION A, LINE 8B - OTHER COMMITTEES: THE PLAN HAS NO OTHER COMMITTEES OUTSIDE OF THE BOARD OF TRUSTEES. PART VI, SECTION B, LINE 11B - REVIEW PROCESS OF FORM 990: THE FORM 990 IS REVIEWED BY THE PLAN ADMINISTRATOR BEFORE THE FORM IS SIGNED AND FILED. PART VI, SECTION C, LINE 19 - AVAILABILITY OF DOCUMENTS AND F/S: THE PLAN DOES NOT MAKE ITS GOVERNING DOCUMENTS NOR ITS FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC; EXCEPT AS MAY BE REQUIRED UNDER THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 OR APPLICABLE STATE LAW. PART VII, SECTION A, COLUMN F - AMOUNTS IN OTHER COMPENSATION: $628,311 INCLUDES THE AMOUNTS CALCULATED BY THE PLAN ACTUARY AS TO THE CHANGE IN ACTUARIAL VALUE IN DEFINED BENEFITS. THESE AMOUNTS REPORTED ARE NOT ACTUAL OUTLAYS OF COMPENSATION TO THE ADMINISTRATOR AND TRUSTEES. USLC MUTUAL BENEFIT ASSOCIATION 100 INDIANA AVE NW STE 510 WASHINGTON DC 20001 620476257 BENEFIT PLAN DC 501(c)(5) NALC false NALC ANNUITY FUND 20547 WAVERLY COURT ASHBURN VA 20149 526038252 PENSION FUND DC 401(a) NALC false NATIONAL ASSOCIATION OF LETTER CARRIERS 100 INDIANA AVE NW WASHINGTON DC 20001 530114650 LABOR ORG DC 501(c)(5) NA false NALC COMM ON LETTER CARRIERS POLITICAL 100 INDIANA AVE NW WASHINGTON DC 20001 521269023 POLITICAL ORG DC 527 NALC false NALCREST PO BOX 6359 NALCREST FL 33856 591004167 SENIOR LIVING FL 501(c)(4) NALC false TRUSTEES NALC HEALTH BENEFIT PLAN 20547 WAVERLY COURT ASHBURN VA 20149 PLAN SPONSOR VA N/A false NALC DISASTER RELIEF FOUNDATION 100 INDIANA AVENUE NW WASHINGTON DC 20001 831184866 DISASTER RELF DC 501(C)(3) 7 NA false false false false false false false false false false false false false false true true true false false true