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Portal Resources

Participant Edge Zenith American Solution Portal

Participant Edge is your convenient online resources portal, specifically customized to provide you the tools needed to view and manage your plan information.
Not registered yet? If you are a new member or you have not set up an account, click here to register at the Participant Edge Portal.

View fact sheets here:

Download the Participant Edge app - available on Apple App Store and Google Play

Participant Edge has now been updated to help our members track their Worker Wellness Program information, including contributions, balances, and distribution applications. Click here to view the Summary of Material Modification that was distributed by Zenith regarding the Worker Wellness Program. For additional Frequently Answered Questions, click here.

Health Benefits

For additional information, contact our benefits office, Zenith American Solutions at (651) 256-1801 or email ZA-MN-CA@zenith-american.com

Health Fund

Participants may earn eligibility for health benefits which include medical, dental, and vision benefits. Participants may also earn eligibility for retiree benefits pre-Medicare, and supplemental benefits after becoming eligible for Medicare. To find a list of covered benefits and all other rules of the Plan, click here to view current Summary Plan Description (SPD). There have been changes to the Health Fund since the last SPD was printed. The changes are made in the form of a Summary of Material Modification (SMM). Click here to view the changes in the Health Fund since the past printing of the SPD.

2025 Medical Premium Rates

If you are currently enrolled in the Plan and want to change your coverage option, you must enroll for coverage by November 15, 2024. If you are already enrolled in the Plan and do not submit an enrollment form, your coverage option will remain the same. If you do not want to change your coverage option, there is no need to do anything.

Open enrollment forms have been mailed out to members by Zenith American Solutions. If you do not receive the forms for 2025, contact the BAC Local 1 Office at (612) 379-2966 or email us at info@bac1mn-nd.org to be sure we have your most recent mailing address on file and we will send you the forms you need to complete enrollment.

Health Reimbursement Arrangement (HRA)

Some participants under certain Collective Bargaining Agreements (CBA) may accumulate funds to be used for reimbursing medical expenses. An HRA is an individual account and not a group insurance program. Click here to view the Summary Plan Description (SPD).

To learn more about the Health Reimbursement Arrangement (HRA) administered by Zenith American Solutions, click here. Zenith has also provided an informational video to help answer HRA questions. Click here to view the video.

To submit a claim for HRA Reimbursement, use the following forms depending on your status. Active members can access a claim form here, and retired members here. To view covered expenses, click here.

To dispute a fraudulent charge on the HRA debit card, access the Zenith Flex portal and find the transaction under My Transactions. If the charge is within 60 calendar days, there will be a 'Dispute Charge' button. Complete the DocuSign and Cardholder Dispute Form. If approved, the credit will be received within 10 business days.  Click here for a step-by-step guide on disputing charges.

To log in to your HRA account, visit zenithflex.com or download the Zenith Flex app. Click here for a guide and answers to frequently asked questions.

Vision Services Plan

Vision Services Plan (VSP) works to provide members with extra savings on products and services. Click here to create an online account to view your benefits, find a doctor, and shop for eyewear.

For more information, visit vsp.com or contact Vision Services Plan customer service at 1-800-877-7195.

Optum RX

Optum Rx aims to help people take charge of managing and ordering their medications to get the most out of their prescription benefits. To set up your account online, click here and register. Optum RX customer service can be reached at 1-800-356-3477.

Download the Optum RX app - available on Apple App Store and Google Play

IMTEF Maternity Disability Benefit & Childcare Benefit

We're excited to announce IMTEF's new maternity benefit for pregnant women and new mothers represented by IUBAC!  This program is another great step toward making high-paying construction jobs with great benefits more welcoming to women. Click here for the IMTEF Maternity Benefit Summary Plan Description (SPD). For frequently asked questions, click here for member answers and here for union officer and contractor answers.

In addition to IMTEF's new paid maternity benefit plan, IMI is giving IUBAC members a 10% discount on high-quality childcare at KinderCare's 1700 centers across the country.

Click here to apply online or find applications available for download.

Mutual Relief

Disability Benefits

The Bricklayers & Allied Craftworkers Local 1 provides accident, sick, and disability benefits for eligible members. Payments for qualifying members will be $50.00 per week for a maximum of 20 weeks per injury or illness. Contact the Local Union and talk to a Business Representative for more information regarding this benefit or click here for an application. Contact the BAC Local 1 office at (612) 379-2966 with questions.

Death Benefits

Upon your death, or the death of your spouse, a benefit will be paid by the Bricklayers & Allied Craftworkers Local 1. The amount will depend on the number of continuous years you have been a member in good standing for. Contact the BAC Local 1 office at (612) 379-2966 with questions.

Mutual Relief benefits are conditioned on your good standing with the Union. If you are past two months in arrears on payment of your dues, then you stand suspended from all rights, benefits, or privileges of this Fund.

Vacation Fund

For additional information, contact our benefits office, Zenith American Solutions at (651) 256-1801 or email ZA-MN-CA@zenith-american.com

Minnesota and North Dakota Vacation Fund

Participants accumulate an individual account based on hours worked and the contribution rate in the area where the work is performed. Funds are distributed twice a year based on the terms in the Summary Plan Description (SPD). Click here to view the current Vacation Fund SPD.

To dispute a fraudulent charge on the Vacation Fund debit card, access the Participant Edge portal and find the transaction under My Transactions. If the charge is within 60 calendar days, there will be a 'Dispute Charge' button. Complete the DocuSign and Cardholder Dispute Form. If approved, the credit will be received within 10 business days.  Click here for a step-by-step guide on disputing charges.

Duluth and Iron Range Vacation Savings Plan

Participants that work under the Collective Bargaining Agreements in Duluth and the Iron Range have their vacation savings deposited directly into individual accounts at Centricity Credit Union or the Virginia CO-OP.

Retirement & Pension

Minnesota & North Dakota Defined Benefit Pension Fund

Participants may accumulate benefits for a pension and receive monthly benefits upon retirement. The eligibility requirements along with the rates of accrual and other rules regarding the Plan can be found in the Summary Plan Description (SPD). Click here to view the current SPD. There have been changes to the Pension Fund since the last SPD was printed. The changes are made in the form of a Summary of Material Modification (SMM). To view the changes in the Pension Fund since the last printing of the SPD click here.

For additional information, contact our benefits office, Zenith American Solutions at (651) 256-1801 or email retirementmn@zenith-american.com

International Union of Bricklayers & Allied Craftworkers Defined Benefit Pension Fund

Participants may accumulate benefits for a pension and receive monthly benefits upon retirement. The eligibility requirements along with the rates of accrual and other rules regarding the Plan can be found in the Summary Plan Description (SPD). Go to bacbenefits.org to find out more details about the pension plan and find a downloadable version of the current SPD.

To contact the International Pension Fund:

  • 620 F Street, NW, Suite 700, Washington, DC 20004
  • Phone: (202) 783-3788
  • Fax: (202) 347-7339
  • Plan Administrator: Lester Kauffman 

Please provide your name, IU membership number, and mailing address when requesting information via email.

Minnesota Ceramic Tile Setters Pension Fund

Participants accumulate funds in individual accounts which they may then invest in a select number of Mutual Funds. Qualifying participants upon retirement may withdraw a lump sum of the investment or choose to receive monthly installments. Click here to view the current Summary Plan Description (SPD). Included in the SPD are the eligibility requirements and a list of the investment funds. Click here to learn how to access the web and mobile apps.

Visit millimanonline.com to log in. Not registered yet? Click here to find out how to register. For a quick start guide to the retirement plan, click here.

Duluth and Iron Range Retirement Fund

Participants that work under the Collective Bargaining Agreements in Duluth and the Iron Range accumulate an individual account based on hours worked and the contribution rate in the area where the work is performed. Investments are trustee directed. Lump sum retirement benefits are available for eligible participants. Click to view a copy of the current Summary Plan Description (SPD).

BAC SAVE Retirement Savings Plan

BAC SAVE Retirement Savings Plan is a retirement plan in addition to the International Pension Fund, in that it is a retirement plan that has similar options such as a monthly draw for Retirement, Survivor, Death Benefits, and Disability. In the near future, IPF will be updating the bacbenefits.org website for a more user-friend experience.
Click here for a Retirement Savings Plan application.
For more information, email RSPapplicantinfo@ipfweb.org.

BAC Local 1 IRA Select

BAC Local 1 is committed to helping you and your family members build toward financial security and retirement.  In addition to the BAC pension plan, members now have a new way to plan for their retirement savings.

For more detailed information, click here to review a copy of our BAC Local 1 IRA Select. Ready to get started? Click here or call (763) 273-5187 to speak with a financial advisor today.