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1199SEIU Benefit and Pension Funds 330 West 42nd Street New York, NY 10036-6977 www.1199SEIUBenefits.org

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ADDRESS SERVICE REQUESTED

Important Benefit Notices Inside this Issue

DEDICATED TO THE HEALTH & WELL-BEING OF 1199SEIU MEMBERS

For Your Benefit EN ESPANOL p17

Meet Our Featured Member Avisos Importantes sobre Beneficios en este Numero

Join Fellow Members on Our Facebook Page Our 1199SEIU Benefit and Pension Funds’ Facebook page is helping thousands of members stay up to date on the latest benefit and pension news, health fairs, workshops, wellness news and more. If you’re not yet one of them, just visit www.Facebook.com/1199SEIUBenefitFunds and click on “Like.” We think you’ll be glad you did.

Únase a los Compañeros Miembros en Nuestra Página de Facebook La página de Facebook de nuestros Fondos de Beneficios y Pensiones de 1199SEIU está ayudando a miles de miembros a mantenerse al día de las últimas novedades sobre beneficios y pensiones, ferias de salud, talleres, noticias sobre bienestar y mucho más. Si usted todavía no es uno de ellos, simplemente visite www.Facebook.com/1199SEIUBenefitFunds y haga clic en “Like” (Me gusta). Estamos seguros de que se alegrará de hacerlo.

WINTER 2014–2015

Jeffrey Lee After a serious health scare, Jeffrey Lee put down cigarettes for good, and today he’s breathing easy.

Update New Dental Plus Plan for Early Retirees

Plus! Make Sure Your Tax Refund Is All It Can Be with the Earned Income Tax Credit


For Your Benefit

CONTENTS HEALTHY FITNESS

4 New Dental Plus Plan for Early Retirees

12 The Top 5 Reasons Winter Workouts Matter

Avoid Out-of-Pocket Costs by Using Participating Providers

MEMBERSHIP ADVANTAGES

5 Make Sure Your Tax Refund Is All

13 Live Healthfully All Year Long

MEMBER PROFILE 6 Jeffrey Lee

After a serious health scare, Jeffrey Lee put down cigarettes for good, and today he’s breathing easy.

HEALTHY LIVING 8 Quit for Life!

Stop Smoking and Start Living

9 Get the New Year Off to a Healthy Start at Our Wellness Workshop on January 24

HEALTHY EATING 10 A Healthy Spin on Comfort Foods 11 Try a Healthy, No-Fuss Soup

with the 2015 Protecting Our Health Calendar!

Our New 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout Is Here!

14 Our 24-Hour Nurse Helpline

www.1199SEIUBenefits.org

Notice to: Participants and Beneficiaries of the 1199SEIU Health Care Employees Pension Fund. An application is to be made to the Internal Revenue Service for an advance determination on the qualification of the following employee pension benefit plan:

2.

Name of plan: The 1199SEIU Health Care Employees Pension Fund

3.

Plan number: 001

4.

Name and address of applicant: Board of Trustees of the 1199SEIU Health Care Employees Pension Fund PO Box 842 New York, NY 10108

5.

Applicant EIN: 13-3604862

6.

Name and address of plan administrator: Board of Trustees of the 1199SEIU Health Care Employees Pension Fund PO Box 842 New York, NY 10108

7.

The application will be filed on January 30, 2015, for an advance determination as to whether the plan meets the qualification requirements of §401(a) of the Internal Revenue Code of 1986, with respect to the plan’s amendment. The application will be filed with: Internal Revenue Service EP Determinations PO Box 12192 Covington, KY 41012-0192

8.

The Employees eligible to participate under the plan are: 243,579

9.

The Internal Revenue Service has previously issued a determination letter with respect to the qualification of this plan.

RIGHTS OF INTERESTED PARTIES 10. You have the right to submit to EP Determinations, either individually or jointly with other interested parties, your comments to EP as to whether this plan meets the qualification requirements of the Internal Revenue Code. Your comments to EP Determinations may be submitted to: Internal Revenue Service EP Determinations Attn: Customer Service Manager PO Box 2508 Cincinnati, OH 45202

Can Also Help You Control and Prevent Chronic Conditions 1.

Notice to: Participants and Beneficiaries of the 1199SEIU Greater New York Pension Fund. An application is to be made to the Internal Revenue Service for an advance determination on the qualification of the following employee pension benefit plan:

Our Prenatal Workshop Can Help Ensure You Have a Healthy Pregnancy

2.

Name of plan: The 1199SEIU Greater New York Pension Fund

3.

Plan number: 001

4.

Name and address of applicant: Board of Trustees of the 1199SEIU Greater New York Pension Fund PO Box 842 New York, NY 10108

5.

Applicant EIN: 13-6601940

6.

Name and address of plan administrator: Board of Trustees of the 1199SEIU Greater New York Pension Fund PO Box 842 New York, NY 10108

7.

The application will be filed on January 30, 2015, for an advance determination as to whether the plan meets the qualification requirements of §401(a) of the Internal Revenue Code of 1986, with respect to the plan’s amendment. The application will be filed with: Internal Revenue Service EP Determinations PO Box 12192 Covington, KY 41012-0192

15 Attending College in Academic Year 2015–2016? Request the Joseph Tauber Scholarship Application

16 2015 Eligibility Coupon for the

Anne Shore Sleep-Away Camp Program for Children Ages 9 to 15 Years

You may instead, either individually or jointly with other interested parties, request the Department of Labor to submit, on your behalf, comments to EP Determinations regarding qualification of the plan. If the Department declines to comment on all or some of the matters you raise, you may, either individually, or jointly if your request was made to the Department jointly, submit your comment on these matters directly to EP Determinations at the Cincinnati address previously mentioned. REQUEST FOR COMMENTS BY THE DEPARTMENT OF LABOR 11. The Department of Labor may not comment on behalf of the interested parties unless requested to do so by the lesser of 10 employees or 10 percent of the employees who qualify as interested parties. The number of persons needed for the Department to comment with respect to this plan is 10. If you request the Department to comment, your request must be in writing and must specify the matters upon which comments are requested, and must also include: (1) The information contained in terms 2 through 5 of this Notice; and (2) The number of persons needed for the Department to comment. A request to the Department to comment should be addressed as follows: Deputy Assistant Secretary Employee Benefits Security Administration U.S. Department of Labor 200 Constitution Avenue, N.W. Washington, D.C. 20210 Attention: 3001 Comment Request COMMENTS TO THE INTERNAL REVENUE SERVICE 12. Comments submitted by you to EP Determinations must be in writing and received by it by March 15, 2015. However, if there are matters that you request the Department of Labor to comment upon on your behalf, and the Department declines, you may submit comments on these matters to EP Determinations to be received by it within 15 days from the time the Department notifies you that it will not comment on a particular matter, or by March 15, 2015, whichever is later, but not after April 1, 2015. A request to the Department to comment on your behalf must be received by it by February 15, 2015, if you wish to preserve your right to comment on a matter upon which the Department declines to comment, or by February 25, 2015, if you wish to waive that right. ADDITONAL INFORMATION 13. Detailed instructions regarding the requirements for notification of interested parties may be found in sections 17 and 18 of Rev. Proc. 2014 – 6. Additional information concerning this application (including, where applicable, an updated copy of the plan and related trust; the application for determination; and any additional documents dealing with the application that have been submitted to the Internal Revenue Service) and copies of section 17 of Rev. Proc. 2014 – 6 are available in the 3rd floor Member Services Department at the offices of the Board of Trustees of the 1199SEIU Health Care Employees Pension Fund, 330 West 42nd Street, New York, NY 10036-6977 during regular business hours for inspection and copying. (There is a nominal charge for copying and/or mailing.)

NOTICE TO INTERESTED PARTIES

Manage Your Personal Health Information with “My Account”

The National Benefit Fund believes it is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that this plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for an external review process for claims appeals. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits. Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the plan administrator at (646) 473-9200. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at (866) 444-3272 or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.

2

1.

WINTER 2014–2015

BENEFITS UPDATE AND NEWS

It Can Be with the Earned Income Tax Credit

NOTICE TO INTERESTED PARTIES

8.

The Employees eligible to participate under the plan are: 38,412

9.

The Internal Revenue Service has previously issued a determination letter with respect to the qualification of this plan.

RIGHTS OF INTERESTED PARTIES 10. You have the right to submit to EP Determinations, either individually or jointly with other interested parties, your comments to EP as to whether this plan meets the qualification requirements of the Internal Revenue Code. Your comments to EP Determinations may be submitted to: Internal Revenue Service EP Determinations Attn: Customer Service Manager PO Box 2508 Cincinnati, OH 45202

You may instead, either individually or jointly with other interested parties, request the Department of Labor to submit, on your behalf, comments to EP Determinations regarding qualification of the plan. If the Department declines to comment on all or some of the matters you raise, you may, either individually, or jointly if your request was made to the Department jointly, submit your comment on these matters directly to EP Determinations at the Cincinnati address previously mentioned. REQUEST FOR COMMENTS BY THE DEPARTMENT OF LABOR 11. The Department of Labor may not comment on behalf of the interested parties unless requested to do so by the lesser of 10 employees or 10 percent of the employees who qualify as interested parties. The number of persons needed for the Department to comment with respect to this plan is 10. If you request the Department to comment, your request must be in writing and must specify the matters upon which comments are requested, and must also include: (1) The information contained in terms 2 through 5 of this Notice; and (2) The number of persons needed for the Department to comment. A request to the Department to comment should be addressed as follows: Deputy Assistant Secretary Employee Benefits Security Administration U.S. Department of Labor 200 Constitution Avenue, N.W. Washington, D.C. 20210 Attention: 3001 Comment Request COMMENTS TO THE INTERNAL REVENUE SERVICE 12. Comments submitted by you to EP Determinations must be in writing and received by it by March 15, 2015. However, if there are matters that you request the Department of Labor to comment upon on your behalf, and the Department declines, you may submit comments on these matters to EP Determinations to be received by it within 15 days from the time the Department notifies you that it will not comment on a particular matter, or by March 15, 2015, whichever is later, but not after April 1, 2015. A request to the Department to comment on your behalf must be received by it by February 15, 2015, if you wish to preserve your right to comment on a matter upon which the Department declines to comment, or by February 25, 2015, if you wish to waive that right. ADDITONAL INFORMATION 13. Detailed instructions regarding the requirements for notification of interested parties may be found in sections 17 and 18 of Rev. Proc. 2014 – 6. Additional information concerning this application (including, where applicable, an updated copy of the plan and related trust; the application for determination; and any additional documents dealing with the application that have been submitted to the Internal Revenue Service) and copies of section 17 of Rev. Proc. 2014 – 6 are available in the 3rd floor Member Services Department at the offices of the Board of Trustees of the 1199SEIU Greater New York Pension Fund, 330 West 42nd Street, New York, NY 10036-6977 during regular business hours for inspection and copying. (There is a nominal charge for copying and/or mailing.)

FOR YOUR BENEFIT 35


SUMMARY ANNUAL REPORT 1199SEIU/LEAGUE REGISTERED NURSE TRAINING AND JOB SECURITY FUND This is a summary of the annual report for the 1199SEIU/League Registered Nurse Training and Job Security Fund, EIN: 13-3946135, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering educational and training benefits to participating RNs. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA). The plan is self-insured and has committed to pay covered claims out of plan assets. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $3,994,828 as of December 31, 2013, compared to $803,254 as of January 1, 2013. During the plan year, the plan experienced an increase in its net assets of $3,191,574. This increase includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total income of $5,831,993, including employer contributions of $5,827,444 and other income of $4,549. Plan expenses were $2,640,419. These expenses included $716,875 in administrative expenses and $1,923,544 in benefits paid to participants and beneficiaries.

Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request.

The plan is self-insured and has committed to pay covered claims out of plan assets. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $1,078,270 as of December 31, 2013, compared to $740,535 as of January 1, 2013. During the plan year, the plan experienced an increase in its net assets of $337,735. This increase includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total income of $2,821,628, which included employer contributions of $2,780,486 and program revenue of $41,142. Plan expenses were $2,483,893. These expenses included $828,289 in administrative expenses, and $1,655,604 in benefits paid to participants and beneficiaries. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request.

The plan is self-insured and has committed to pay covered claims out of plan assets. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $1,179,435 as of December 31, 2013, compared to $2,689,422 as of January 1, 2013. During the plan year, the plan experienced a decrease in its net assets of $1,509,987. This decrease includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total reduction of $21,986, including employer contributions of $-5,191, deferred contributions for overpayments of $-20,826 and interest income of $4,031. Plan expenses were $1,488,001. These expenses included $111,398 in administrative expenses and $1,376,603 in benefits paid to participants. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request.

34

www.1199SEIUBenefits.org

Maintaining a healthy lifestyle – getting regular exercise, eating nutritious meals, making time for yourself – can be a challenge during the winter months due to foul weather, busy schedules and holiday stress. To cope, some of us may turn to high-calorie, highfat “comfort� foods or even unhealthy behaviors, like smoking. We know how hard it can be to always practice healthy habits, so to help you stay on track, your Benefit Fund provides resources you can use to keep yourself and your family healthy all year long.

You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU/League Registered Nurse Training and Job Security Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU/League Registered Nurse Training and Job Security Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

The items listed below are included in that report: s )NSURANCEINFORMATION INCLUDINGSALESCOMMISSIONSPAIDBYINSURANCECARRIERS s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERSAND s !SSETSHELDFORINVESTMENT You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU/Greater New York Child Care Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU/Greater New York Child Care Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

SUMMARY ANNUAL REPORT 1199SEIU GREATER NEW YORK JOB SECURITY FUND This is a summary of the annual report for the 1199SEIU Greater New York Job Security Fund, EIN: 05-0557207, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering retraining, unemployment and continued health insurance benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Dear Members,

The items listed below are included in that report: s !NACCOUNTANTSREPORTAND s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERS

SUMMARY ANNUAL REPORT 1199SEIU/GREATER NEW YORK CHILD CARE FUND This is a summary of the annual report for the 1199SEIU/Greater New York Child Care Fund, EIN: 75-3086330, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering child care benefits. The annual report has been filed with the Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Message from the Executive Director

The items listed below are included in that report: s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERSAND s !SSETSHELDFORINVESTMENT You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report.

We know how hard it can be to always practice healthy habits, so to help you stay on track, your Benefit Fund provides resources you can use to keep yourself and your family healthy all year long.

One of those resources is your member magazine, For Your Benefit, and in this issue you will find practical strategies for protecting your health – starting with the Benefit Fund’s 2015 Protecting Our Health calendar. The calendar is filled with information on nutrition, fitness and mental health as well as reminders about health workshops and wellness programs provided by the Fund. If you are a smoker – or know one – we offer ways to kick the habit for good. In fact, you will learn how one of your fellow members, Jeffrey Lee, a Personal Care Assistant at Mount Sinai/Beth Israel Hospital, gave up smoking after a major health scare. We share tips on making meals healthier and give you five reasons why it is so important to exercise throughout the winter. And because there is no better way to protect yourself against the flu, we urge you to get your annual flu shot if you have not gotten one already. You will also find information about the valuable benefits your Fund provides, including our Tax Preparation Assistance Program, which helps thousands of members get more money back in their tax refunds every year and upcoming wellness workshops. If you attend one of those wellness events, you will not only get your own copy of the Fund’s 2015 Protecting Our Health calendar, but also a copy of the new 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout DVD and resistance band. We hope this issue of For Your Benefit helps prepare you to live more healthfully in 2015. Sincerely,

Mitra Behroozi Executive Director 1199SEIU Benefit and Pension Funds

To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU Greater New York Job Security Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU Greater New York Job Security Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

This issue of For Your Benefit contains important information about your rights under your benefit plan and the Employee Retirement Income Security Act (ERISA), which you should read and retain for future reference.

FOR YOUR BENEFIT

3


Benefits Update & News

New Dental Plus Plan for Early Retirees If you are thinking of early retirement, you may know that the Benefit Funds offered a prescription, vision and hearing plan to National Benefit Fund retirees age 55 or older with at least 10 years of service and to Greater New York Benefit Fund retirees between ages 62 and 65 with at least 25 years of service. As of January 1, 2015, the Benefit Funds are now instead providing a new health benefit plan for our not-yet-Medicareeligible early retirees called the Dental Plus Plan. This new plan includes a dental benefit ($3,000 a year for NBF, $1,200 a year for GNY); a hospital indemnity plan that pays $200 a day, for 10 days, each time you are admitted to a hospital; and a vision benefit. We created the new Dental Plus Plan, just as we did for our Wage and Eligibility Class III active members, to allow early retirees who want to buy a medical plan on the new Health Insurance Marketplace to receive a subsidy, if eligible, to help pay for the plan. As you probably know, under the Affordable Care Act (ACA),

everyone must have “Minimum Essential Coverage� or face a penalty. Because the Prescription Plan is considered “Minimum Essential Coverage� under the ACA, early retirees would not face a penalty, but if they chose to buy a more complete medical plan on the Health Insurance Marketplace, they would not be able to access a subsidy. In some cases, the tax subsidy can reduce the monthly premium to zero. (Early retirees who think the Prescription Plan might work better for them have a one-time option to switch from the Dental Plus Plan.) So if you are planning on early retirement and have any questions about the Dental Plus Plan or about your Benefit Fund coverage, please call our Retiree Services Center at (646) 473-8666 and a representative will be happy to help you. For information about purchasing a Marketplace plan, you can contact our partners at the Community Service Society at (888) 614-5400 or Enroll@CSSNY.org.

Avoid Out-of-Pocket Costs by Using Participating Providers As an 1199SEIU member, you have access to thousands of healthcare providers within our Benefit Fund’s network. That means you can avoid paying unnecessary out-of-pocket costs when you use participating providers. Doctors who are not in the network can charge anything they want, which can be a lot more than the Fund’s reimbursement rate, and you have to pay the full balance. So going outside of our network to a non-participating provider could result in an expensive – and avoidable – medical bill, so make sure that your doctor, and any provider he or she may refer you to, is part of our network. s

s

4

4OlNDAPARTICIPATINGPROVIDER VISITwww.1199SEIUBenefits.org, and search by specialty, location or hospital network. If you need help choosing an in-network provider, just call our Member Services Department at (646) 473-9200 and one of our representatives will assist you. 7HENYOUMAKEANAPPOINTMENTWITHANYHEALTHCAREPROVIDER YOUSHOULDCONlRMTHATTHE provider still participates in the Fund’s network. That includes your primary care doctor; your pharmacy; surgeons and anesthesiologists if you need an operation; imaging centers or labs if you have X-rays or tests done; and any other referrals or specialists. And if your doctor writes you a prescription, remember to check the Preferred Drug List (PDL) at www.1199SEIUBenefits.org to make sure your medication is fully covered.

www.1199SEIUBenefits.org

SUMMARY ANNUAL REPORT 1199SEIU GREATER NEW YORK BENEFIT FUND This is a summary of the annual report for the 1199SEIU Greater New York Benefit Fund, EIN: 136125570, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA). Except with respect to the benefits specified under “Insurance Information� below, the plan is selfinsured and has committed to pay covered claims out of plan assets. Insurance Information The plan has a contract with Amalgamated Life Insurance Company to pay certain life claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2013, were $964,940. Because it is a so-called “experience-rated� contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2013, the premiums paid under such “experience-rated� contracts were $897,367 and the total of all benefit claims paid under the experience-rated contract during the plan year was $629,102. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $67,746,480 as of December 31, 2013, compared to $41,783,316 as of January 1, 2013. During the plan year, the plan experienced an increase in its net assets of $25,963,164. This increase includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. During the plan year, the plan had total income of $194,815,746, including employer contributions of $189,417,152, net appreciation in fair value of investments of $414,463, COBRA contributions of $444,718, member spousal contributions of $3,913,546 and other earnings of $625,867.

Plan expenses were $168,852,582. These expenses included $13,080,354 in administrative and general expenses and $155,772,228 in benefits paid to participants and beneficiaries. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: s )NSURANCEINFORMATION INCLUDINGSALESCOMMISSIONSPAIDBYINSURANCECARRIERS s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERS s !SSETSHELDFORINVESTMENTAND s !CTUARIALINFORMATIONREGARDINGTHEFUNDINGOFTHEPLAN You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU Greater New York Benefit Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU Greater New York Benefit Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

SUMMARY ANNUAL REPORT 1199SEIU/EMPLOYER CHILD CARE FUND

Except with respect to the benefits specified under “Insurance Information� below, the plan is selfinsured and has committed to pay covered claims out of plan assets.

Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: s )NSURANCEINFORMATION INCLUDINGSALESCOMMISSIONSPAIDBYINSURANCECARRIERS s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERSAND s !SSETSHELDFORINVESTMENT

Insurance Information The plan has (a) contract(s) with Metropolitan Life Insurance Company to pay certain child care claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2013, were $9,318.

You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report.

Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $15,616,550 as of December 31, 2013, compared to $15,992,839 as of January 1, 2013. During the plan year, the plan experienced a decrease in its net assets of $376,289. This decrease includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total income of $24,624,069, which included employer contributions of $23,945,454, program revenue of $664,060, and other earnings of $14,555.

To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU/Employer Child Care Fund, PO Box 842, New York, NY 10108; (646) 473-6365.

This is a summary of the annual report for the 1199SEIU/Employer Child Care Fund, EIN: 13-3641466, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering child care benefits. The annual report has been filed with the Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Plan expenses were $25,000,358. These expenses included $6,601,141 in administrative expenses and $18,399,217 in benefits paid to participants and beneficiaries.

You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU/Employer Child Care Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

SUMMARY ANNUAL REPORT 1199SEIU/LEAGUE JOB SECURITY FUND This is a summary of the annual report for the 1199SEIU/League Job Security Fund, EIN: 13-3712851, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering retraining, unemployment, continued health insurance, job security and job placement benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA). The plan is self-insured and has committed to pay covered claims out of plan assets. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $8,969,138 as of December 31, 2013, compared to $10,596,569 as of January 1, 2013. During the plan year, the plan experienced a decrease in its net assets of $1,627,431. This decrease includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total income of $6,365,371, including employer contributions of $6,214,334, net appreciation in fair value of investments of $32,699, and other earnings of $118,338. Plan expenses were $7,992,802. These expenses included $2,211,882 in administrative expenses and $5,780,920 in benefits paid to participants and beneficiaries.

Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERSAND s !SSETSHELDFORINVESTMENT You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU/League Job Security Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU/League Job Security Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

FOR YOUR BENEFIT

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HIPAA Notice If you would like a copy of the Fund’s Notice of HIPAA Privacy Practices, please visit www.1199SEIUBenefits.org, or request one in writing by writing to the 1199SEIU Benefit Fund Privacy Officer at 330 West 42nd St, 9th Floor, NY, NY 10036.

1199SEIU NATIONAL BENEFIT FUND FOR HEALTH AND HUMAN SERVICE EMPLOYEES SUMMARY OF MATERIAL MODIFICATIONS This Summary of Material Modifications describes changes that affect your welfare benefit plan and updates the Summary Plan Description (“SPD�) that was previously distributed to you. You should keep this summary with your current SPD until the booklet is updated to reflect the changes discussed herein. ___________________________________________________________________________ Effective January 1, 2015, the following changes to the 1199SEIU National Benefit Fund for Health and Human Service Employees (“Benefit Fund�) Plan and SPD apply: 1. Sections I.C and IV.A: If you have designated your spouse as your life insurance beneficiary, your divorce will automatically revoke that designation upon notification to the Fund. If you do not change your beneficiary thereafter, your Life Insurance Benefit will be paid as if there is no beneficiary. 2. Sections I.G and VII.B: In the event you comply with the Fund’s terms and acknowledge the Fund’s rights, but you dispute the Fund’s Lien Determination (that a claim for benefits is not covered because it is an expense resulting from an illness or injury caused by the conduct of a third party) you may request an Administrative Review of the Lien Determination by writing to the Liens Department, provided that any proceeds you receive from a settlement, verdict or agreement for compensation from or on behalf of the party responsible for the illness or injury, up to the amount of the lien, are not disbursed for the duration of the appeal. The Fund will notify you in writing of the appeal decision and rationale within 30 days of receipt of the written appeal. If the Administrative Review results in a denial of your appeal, you have the right to request a final Administrative Review by the Chief Benefits Officer or his or her designee in writing no later than 60 days after the receipt of the appeal denial. If your appeal is denied by the Chief Benefits Officer or his or her designee, you have the right to file suit in federal court under the Employee Retirement Income Security Act of 1974 (“ERISA�). 3. Section I.J: For purposes of the subsection regarding continuing your coverage while receiving unemployment insurance, the maximum of six months continuation need not be consecutive, and the number of years you were covered by the Benefit Fund is calculated from when you were last considered a new employee under Section I.B. 4. Section II – preface, II.A, VII.B: A Non-Participating Provider that appeals a benefit denial cannot file a lawsuit on your behalf more than five years from the date of service. Before you receive services from a Non-Participating Provider, you should ask the provider to find out the total Benefit Fund allowance for the planned service by calling (646) 473-7160, and to notify you of what your out-of-pocket expenses will be.

5. Sections VII.A and VII.B: The assignment feature of the Benefit Fund is only for payment of your benefits to providers. No other rights under the plan or ERISA may be assigned or transferred. 6. Section VII.A: If you (or your provider by assignment) receive an overpayment from the Benefit Fund as a result of an improperly billed claim for benefits, the overpaid funds belong to the Benefit Fund, and you agree to hold that money in trust for the Benefit Fund and to reimburse the Benefit Fund within 30 days of receiving the overpayment. In addition, the Plan Administrator may bring a court action to enforce the terms of the Plan or to recover benefit overpayments. ___________________________________________________________________________

This summary only highlights the key changes made to the 1199SEIU National Benefit Fund for Health and Human Service Employees. Summaries of material modifications together with the Summary Plan Description make up your official plan descriptions; please keep them together and refer to them as necessary. We have made every attempt to insure the accuracy of the information in this summary and the Summary Plan Description. However, if there is any discrepancy between them and the Plan Document, insurance contracts or other legal documents, the legal documents will always govern. If you would like to review the Plan Document or have any questions, please contact the Fund’s Member Services Representatives at (646) 473-9200. The National Benefit Fund believes it is a “grandfathered health plan� under the Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that this plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for an external review process for claims appeals. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits. Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the Plan Administrator at (646) 473-9200. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at (866) 444-3272 or www.dol. gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans. The plan sponsor of the 1199SEIU National Benefit Fund for Health and Human Service Employees reserves the right to amend or terminate the 1199SEIU National Benefit Fund for Health & Human Service Employees, or any part of it, at any time.

SUMMARY ANNUAL REPORT 1199SEIU NATIONAL BENEFIT FUND FOR HEALTH AND HUMAN SERVICE EMPLOYEES This is a summary of the annual report for the 1199SEIU National Benefit Fund for Health and Human Service Employees, EIN: 13-1628401, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Insurance Information The plan has a contract with Amalgamated Life Insurance Company and Guardian Life Insurance of America to pay certain life insurance and accidental death and dismemberment claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2013, were $721,571.

Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: s )NSURANCEINFORMATION INCLUDINGSALESCOMMISSIONSPAIDBYINSURANCECARRIERS s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERS s !SSETSHELDFORINVESTMENT s )NFORMATIONREGARDINGANYCOMMONORCOLLECTIVETRUSTS POOLEDSEPARATEACCOUNTS MASTER trusts or 103-12 investment entities in which the plan participates; and s !CTUARIALINFORMATIONREGARDINGTHEFUNDINGOFTHEPLAN

Because it is a so-called “experience-rated� contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2013, the premiums paid under such “experience-rated� contracts were $8,402,334 and the total of all benefit claims paid under the experience-rated contract during the plan year was $6,749,931.

You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report.

Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $404,718,891 as of December 31, 2013, compared to $327,624,942 as of January 1, 2013. During the plan year, the plan experienced an increase in its net assets of $77,093,949. This increase includes unrealized appreciation and depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. The plan had total income of $1,463,868,918, including employer contributions of $1,431,048,794, net appreciation in fair value of investments of $21,540,120, COBRA payments of $2,802,297, and other earnings of $8,477,707.

To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU National Benefit Fund for Health and Human Service Employees, PO Box 842, New York, NY 10108; (646) 473-6365.

Except those with respect to the benefits specified under “Insurance Information� below, the plan is self-insured and has committed to pay covered claims out of plan assets.

Plan expenses were $1,386,774,969. These expenses included $91,012,029 in administrative expenses,

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$1,288,047,893 in benefits paid to participants and beneficiaries, $416,716 in investment and advisor fees, and $7,298,331 in general expenses.

www.1199SEIUBenefits.org

You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU National Benefit Fund for Health and Human Service Employees, 330 West 42nd Street, 28th floor, New York, NY 10036 and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

Make Sure Your Tax Refund Is All It Can Be with the Earned Income Tax Credit Take advantage of our free Tax Preparation Assistance Program For years, the 1199SEIU Benefit Fund’s Tax Preparation Assistance Program has been available to help you claim the Earned Income Tax Credit (EITC) and get the most out of your tax return.The program has served thousands of members, and in 2015, the Fund is again partnering with New York City’s EITC Coalition to help you get your taxes prepared accurately and make sure your refund includes everything you’re entitled to. The EITC Coalition is led by the New York City Department of Consumer Affairs, and includes the City’s Office of Financial Empowerment and the Food Bank For New York City.

Visit the Food Bank For New York City and Ariva Sites for Free Tax Preparation As long as your 2014 household income was below $53,000 with dependents (or $20,000 if you are single and have no dependents), our partners at the Food Bank For New York City are offering free tax preparation events throughout the five boroughs. And this year, for the first time, the Food Bank For New York City is offering a new service – Virtual Volunteer Income Tax Assistance (Virtual VITA) – for convenient e-filing at various locations. Please visit www.FoodBankNYC.org/News/Free-Income-Tax-Services-Locations to find the site closest to you.You are eligible to use Virtual VITA if your 2014 household income was less than $53,000 with dependents, or $20,000 without dependents. Here’s how it works: 1. If you will be submitting a joint return with your spouse, both of you must be present. 2. A site volunteer will verify your identity, review your income and tax-related documents and help you get started. 3. Your forms and documents will be securely transmitted to the Food Bank For New York City’s Tax Preparation Site, where your return will be processed by a certified tax preparer. 4. You can expect a call from the tax preparer in just 48 hours to go over your tax return and complete the e-filing process. 5. Your tax return will be emailed to you. The nonprofit financial education program Ariva is offering free assistance at sites in the Bronx. At Ariva’s site in the South Bronx, your 2014 household income must be below $53,000 if you have dependent children or below $25,000 if you are single and have no dependents. At Ariva’s site in the Northwest Bronx, your 2014 household income must be below $56,000 if you have dependent children or below $25,000 if you are single and have no dependents. If you qualify for the EITC, the tax experts onsite will help you file for the credit. Even if you don’t live near one of these sites, be sure to check the “Claim Your EITC� guide to find out whether you qualify for the credit before filing your return.

Claim Your EITC You can check whether you meet the income requirements for the EITC by using the 2014 tax guidelines listed here: UĂŠ ˜Vœ“iĂŠLiÂ?ÂœĂœĂŠf{Ăˆ]™™ÇÊ­fxĂ“]{Ă“Ă‡ĂŠÂˆvĂŠ married, filing a joint return) with three or more dependent children UĂŠ ˜Vœ“iĂŠLiÂ?ÂœĂœĂŠf{ĂŽ]ÇxĂˆĂŠÂ­f{™]ÂŁnĂˆĂŠÂˆvĂŠ married, filing a joint return) with two dependent children UĂŠ ˜Vœ“iĂŠLiÂ?ÂœĂœĂŠfĂŽn]x££Ê­f{ĂŽ]™{ÂŁĂŠÂˆvĂŠ married, filing a joint return) with one dependent child UĂŠ ˜Vœ“iĂŠLiÂ?ÂœĂœĂŠfÂŁ{]x™äÊ­fÓä]Ă¤Ă“Ă¤ĂŠÂˆvĂŠ married, filing a joint return) with no dependent children

Check your mail for your Fund’s EITC information booklet, visit our website at www.1199SEIUBenefits.org or call the Benefit Fund at (646) 473-9200.

FOR YOUR BENEFIT

5


Member Profile

Jeffrey Lee After a serious health scare, Jeffrey Lee put down cigarettes for good, and today he’s breathing easy.

Por favor escriba claramente con letra de imprenta y con tinta. Información del miembro: ❒ Fondo Nacional de Beneficios (NBF) ❒ Fondo de Cuidado Infantil del Gran Nueva York (GNY) ❒ Miembros del NBF del Área de Rochester Apellido del miembro _____________________ Nombre _____________________ N.o de identificación del miembro ____________________ (Obligatorio, n.º de Seg. Soc. no aceptado)

Dirección _____________________________________________________________________________ Depto.N.o _________________

For four long days in June 2012, Jeffrey Lee lay in a hospital bed in Brooklyn and thought about how much was at stake if he kept smoking. Just 55 years old at the time, happily married to his wife, Janine, who is an Outreach Coordinator at the Benefit Funds, and proud father to their 16-year-old daughter, Janay, he was terrified at the thought of not being in their lives.Yet there he was, recovering from a heart attack in the cardiac unit of Long Island College Hospital after being rushed to the emergency room. “It was a traumatic experience that put a lot of fear in me,” he said. “And there wasn’t a bit of doubt about why I had a heart attack: it was from smoking cigarettes.” Jeffrey, a Personal Care Assistant at Mount Sinai/Beth Israel Hospital, had been smoking close to a pack of cigarettes a day for nearly 30 years, but he was now determined to stop. The two months of his strictly monitored recovery after his heart attack helped him avoid most of the triggers that might have led to smoking, he said, since he spent nearly all his time either at home or at a healthcare facility seeing a doctor. But in addition to his heart healing and his health stabilizing enough for him to return to work, two things happened. “I finally realized that every puff had been putting my health in jeopardy, even though I felt fine before my heart attack,” Jeffrey said. “But more important, I realized I could quit – I was living without cigarettes – and it felt good.” Working in a detoxification and chemical dependency unit at the hospital, Jeffrey saw how hard it was for patients struggling with addiction and said he’s humbled to think his experience might serve as a powerful example. “I tell people that in my mind, I felt like I was health-conscious even though I was smoking – I played basketball every week, I felt like I ate pretty well and had even lost a little weight,” he said. “I blocked out the fact that smoking put me at much higher risk for a heart attack or stroke.”

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CUPÓN DE ELEGIBILIDAD PARA 2015 DEL PROGRAMA DE CAMPAMENTO DE ESTADÍA ANNE SHORE

www.1199SEIUBenefits.org

The experience was a turning point in Jeffrey’s life, and in the last two-and-a-half years he has not only remained smoke-free, he’s become more healthconscious overall. He walks about three times a week, he said, and uses an elliptical machine at home. A nagging hip injury has limited his time on the basketball court, but he isn’t complaining. “Let’s face it, it’s a young man’s game,” he said with a laugh. “I’m 58 years old and other than wanting to drop a few pounds, I feel great.” He stressed that it’s been tough to stay away from smoking – or to avoid substituting snacks for cigarettes – but that it has become easier over time. He didn’t use smoking cessation products or medications, but said he thinks anyone trying to quit should use whatever they need to quit, such as nicotine patches, gum or medication. Jeffrey’s cardiologist told him that in addition to giving up smoking, he had to change his diet in order for his heart to heal and regain strength. So he began grilling and baking his chicken, fish and shrimp dinners rather than frying them; eating fresh fruit and vegetables instead of chips, pretzels or other unhealthy snack foods; and drinking water instead of soda. Surprisingly, he found that healthy eating reduced his cigarette cravings, boosting his confidence and helping him stay on track to quitting. Of course, now that his taste buds are back in action, Jeffrey said he needs to watch his portions and avoid impulsive snacking, especially when working his usual 11:00 pm to 7:00 am shift. But it’s a small sacrifice, he said, especially when he thinks about where he was less than three years ago. “I’m fortunate to have health benefits that allow me to stay on top of my condition, and I’ve taken steps to change and to do the right thing,” he said. “There’s no lasting damage to my heart. Now the rest is up to me.”

Ciudad ______________________________________________________ Estado _________________Código postal __________________ Teléfono particular ___________________ Teléfono celular ____________________ Teléfono del trabajo ___________________ Ext. _____ Empleado en __________________________________________________________________________________________________ Apellido del niño __________________________________ Nombre __________________________ Fecha de nacimiento ____________ ¿Su hijo usó este beneficio en el pasado? ❒ Sí ❒ No Si la respuesta es afirmativa, ¿a qué campamento asistió? ____________________ Dirección de correo electrónico del miembro ___________________________________________________________________________ Llene este formulario completamente y devuélvalo antes del 30 de enero de 2015. Envíelo por correo a: 1199SEIU Child Care Corporation, Anne Shore Sleep-Away Camp Program, PO Box 955, New York, NY 10108-0955. También puede enviar el formulario por fax al Programa de Campamento de Estadía Anne Shore al (646) 473-8311. Se debe enviar un cupón por separado para cada niño.

Programa de Campamento de Estadía Anne Shore de 2015 para

Niños de 9 a 15 Años de Edad Cada año, el Programa de Campamento de Estadía Anne Shore envía a más de 800 hijos de los miembros de 1199SEIU a campamentos de estadía de tres y cuatro semanas en el noreste, a un costo mínimo para sus padres. Para solicitar un lugar en el campamento de estadía, solo complete el cupón anterior y envíelo a 1199SEIU Child Care Corporation antes del 30 de enero de 2015. Si su hijo es elegible, el personal de nuestro programa se comunicará con usted para programar una cita para que asista a la orientación obligatoria con el fin de seleccionar el campamento que mejor se ajuste a las necesidades y a los intereses de su hijo. Usted debe abonar una cuota de solicitud no reembolsable de $10, que debe pagar en la orientación. Póngase en contacto con el Programa de Campamento Anne Shore llamando al (646) 473-8310 o escribiendo a AnneShoreCampProgram@1199Funds.org for more information. El programa de verano es un campamento de estadía de tres a cuatro semanas. Esta solicitud NO ES para un campamento diurno.

FOR OFFICE USE ONLY ❒ NBF

❒ GNY

Eligibility: ❒ YES

❒ NBF ROCHESTER ❒ NO

If no, reason: _________________________________

Eligibility Verification Date: ________________________________________________ Date Received

Verified by: ___________________________________________________________

PARA SU BENEFICIO

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¿Va a Estudiar en la Universidad durante el Año Académico 2015–2016?

Pida la Solicitud para la Beca Joseph Tauber El Programa Joseph Tauber proporciona becas para hijos de miembros elegibles de 1199SEIU que asisten a programas universitarios de pregrado acreditados. Los miembros elegibles son aquellos cuyos empleadores contribuyen al Fondo Nacional de Beneficios o al Fondo de Educación de la Zona Metropolitana de Nueva York. Los miembros deben haber recibido beneficios de salario de clase I durante al menos un año. Los candidatos deben ser graduados de secundaria, estudiantes de educación superior o becados y estar inscritos a jornada completa para un mínimo de 12 créditos universitarios cada semestre. Todos los candidatos deben ser menores de 23 años de edad por 01 de septiembre de 2015. Los becados que deseen seguir recibiendo apoyo de este tipo deben tener en cuenta que no están garantizadas las renovaciones automáticas de las becas; es necesario volver a solicitarla cada año para que se considere su caso.

“I finally realized that every puff had been putting my health in jeopardy, even though I felt fine before my heart attack,” Jeffrey said. “But more important, I realized I could quit – I was living without cigarettes – and it felt good.”

Para pedir una solicitud para el programa de becas Joseph Tauber, debe completar la petición de solicitud a continuación y enviarla antes del 31 de enero de 2015. Solo puede enviar un formulario de petición de solicitud por hijo. Si ambos padres son empleados de 1199SEIU, solo uno de los padres puede enviarlo en nombre del hijo. Si necesita formularios adicionales, puede descargarlos visitando nuestro sitio web en www.1199SEIUBenefits.org/ccf durante el período de petición de solicitudes. Tenga en cuenta que este formulario de petición de solicitud NO es la solicitud en sí; es válido para el año de becas 2015–2016 únicamente. Envíe por fax la petición completada al (646) 473-6949 o por correo a: 1199SEIU Child Care Corporation, Joseph Tauber Scholarship Program, 330 West 42nd Street, 18th Floor, New York, NY 10036-6977. Una vez envíe el formulario como se indica, si resulta elegible, se le enviará el paquete de solicitud de becas en marzo. El paquete incluye varios formularios que debe completar y devolver según las instrucciones específicas y antes de las fechas indicadas, para que se considere su caso. Los montos concedidos para las becas varían según las necesidades, y el mínimo anual de beca es de $750. Si bien las becas Joseph Tauber Scholarships pueden dar a poyo a estudiantes elegibles de cualquier campo de estudio, el programa de becas 1199SEIU Next Generation RN proporciona asistencia financiera y académica a los hijos de miembros de 1199SEIU en la fase clínica de un programa de enfermería. Para averiguar si su hijo califica o, si tiene alguna pregunta, llame al (646) 473-8999.

02/'2!-!$%"%#!3*/3%0(4!5"%2s&/2-5,!2)/$%0%4)#)¼.$%3/,)#)45$n Información del Estudiante (Por favor escriba claramente con letra de imprenta y con tinta.) Nombre del estudiante __________________________________________________________________________________________ Nombre

Apellido

Fecha de nacimiento _______________________________________________ Edad actual __________________________________ Dirección de correo electrónico ____________________________________________________________________________________ Fecha en que se graduó o espera graduarse de la escuela secundaria _______________ Fecha de ingreso a la universidad _______________ ¿Es la primera vez que presenta una solicitud en el Programa de Becas Joseph Tauber?

❒ Sí

❒ No

Información del Miembro (Por favor escriba claramente con letra de imprenta y con tinta.) Nombre del miembro __________________________________________________________________________________________ Nombre

Apellido

N.o de identificación del miembro _________________________________________________________________________________ Teléfono particular _____________________________________ Teléfono celular __________________________________________ Dirección ____________________________________________ Ciudad __________________ Estado _____ Código postal __________ Dirección de correo electrónico ____________________________________________________________________________________ ❒ Fondo Nacional de Beneficios (NBF) ❒ Fondo de Cuidado Infantil del Gran Nueva York ❒ Miembros del NBF del Área de Rochester ❒ Fondo de Bienestar LPN El Departamento de Becas debe recibir su petición de solicitud antes del 31 de enero de 2015 para poder enviarle un paquete oficial de solicitud de becas. Si no recibe su paquete de solicitud de becas antes del 1 de abril de 2015, por favor llámenos al (646) 473-8999. Le enviaremos un recibo una vez que recibamos e ingresemos esta petición del formulario de solicitud.

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www.1199SEIUBenefits.org

Do you have a healthy story to share? We’re always looking for the opportunity to spotlight members who are protecting their health by losing weight, quitting smoking, bringing a chronic condition under control or just improving their lifestyle in general. If you have made positive changes in your health – or are just starting to – we want to hear from you! To share your story with your fellow members in an upcoming issue of For Your Benefit, please contact the Fund at Communications@1199Funds.org.

FOR YOUR BENEFIT

7


Healthy Living

Ya está disponible ahora el Calendario de Protección de Nuestra Salud de 2015 del Fondo de Beneficios. Allí encontrará un año completo de consejos de nutrición, acondicionamiento físico y estilo de vida para ayudarle a usted y a su familia a tomar decisiones saludables. También encontrará recordatorios mensuales sobre los eventos de bienestar del Fondo y los recursos que están a su disposición. Puede obtener su calendario en cualquiera de las ferias de salud del Departamento de Bienestar, talleres de bienestar u otros eventos. Por ello debe obtener el suyo ahora, y ¡comenzar a vivir de manera saludable desde hoy!

Stop smoking and start living If you’re a smoker, you probably know all the reasons you should quit – but you probably also know how hard it is to kick the habit for good. No matter your age or how long you’ve smoked, quitting smoking is worth it. Besides lowering your odds for heart disease, lung cancer, stroke and emphysema, quitting will also protect your loved ones from the harmful effects of secondhand smoke. Giving up smoking could even add years to your life: A recent study in The New England Journal of Medicine found that smokers who quit lived at least six years longer than people who continued to smoke. It might help to know that if you’re trying to quit, you’re not alone. The good news is that since 2002, there are more former smokers than current smokers in the U.S. And just like the millions who have quit, you can too with the right planning and support. Try these tips and strategies to help you give up smoking once and for all.

Write Down Your Reasons for Quitting Make a list of your reasons to give up smoking – including the names of family members and friends whose company you want to enjoy for years to come. Set a few personal goals too, such as being able to climb a flight of stairs without being short of breath or really tasting the foods you love again. Add photos of your loved ones and other motivational pictures, and post the list someplace where you’ll see it often.

Set and Announce Your Quit Date It sounds simple, but picking a date to stop smoking completely is important.Your quit date could have special meaning, such as a birthday or an anniversary, to help remind you of your goals. Once you’ve decided, tell friends and family about your plan so they can support you. How? Ask them to keep

8

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your activities together smoke-free or help you find healthful distractions when you crave a cigarette.

Identify and Avoid Triggers Be sure to throw away cigarettes, lighters, ashtrays and all other objects you associate with smoking. Avoiding people and situations that trigger your desire to smoke can be harder, but planning can make a difference. For instance, carry a pack of gum to chew after meals, during work breaks and at other times when you’re used to smoking.You can also plan other things to do when you get the urge to light up, such as calling a friend, listening to music or going to a smoke-free zone like a store or movie theater.

Get Moving One of the best ways to overcome tobacco cravings – and avoid the weight gain sometimes associated with quitting – is exercise. In fact, a study reported in the Journal of Smoking Cessation showed that smokers who exercised for just 15 minutes a day were 55 percent more likely to quit – and 43 percent less likely to start smoking again – than those who were inactive. So take a walk before work, during your lunch break or after dinner – or better yet – do all three!

Ventajas de la Membresía

Quit for Life!

¡Viva Saludablemente Durante Todo el Año con el Calendario de Protección de Nuestra Salud de 2015!

¡Ya Está Disponible Nuestro Nuevo DVD de Ejercicios de Yoga/Pilates con la Banda de Resistencia de los Fondos de Beneficios de 1199SEIU! Algo nuevo para 2015, hemos creado unos ejercicios con banda de resistencia para Yoga/Pilates que son divertidos y le llenan de energía, que puede hacer en la comodidad de su hogar. Con nuestro nuevo DVD Ejercicios para Yoga/Pilates con Banda de Resistencia de los Fondos de Beneficios de 1199SEIU en 15 a 20 minutos por día completará una serie de ejercicios de yoga y pilates que están dirigidos a todos sus músculos principales, especialmente sus músculos básicos (abdominales y músculos de la espalda). El DVD tiene ejercicios para tres niveles de acondicionamiento físico: principiante, intermedio y avanzado, para que pueda elegir el que funciona mejor para usted. El entrenador de acondicionamiento físico, Foluke Arthurton,* de los Fondos de Beneficios de 1199SEIU le brinda una explicación de los ejercicios y el DVD está acompañado por una banda de resistencia y contiene todo lo que necesita para comenzar. Puede obtener su DVD en nuestro taller “Cumpla con Su Resolución de Año Nuevo” que se llevará a cabo el 24 de enero (consulte la página 25) y en todos los eventos de bienestar que se programen durante el año. *

Contratado a través de Worksite Medical Services, P.C.

PARA SU BENEFICIO

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Programa de Salud para Mantenerse en Forma

5

Los 5 Motivos Principales por los cuales los Ejercicios en el Invierno son Importantes

Durante los meses de invierno, es fácil querer hibernar de su rutina de ejercicios, especialmente cuando las temperaturas bajan súbitamente. Pero aferrarse a su programa de ejercicios durante la temporada le puede brindar una amplia gama de beneficios de salud. ¿Necesita más convencimiento? A continuación le presentamos solo unos cuantos motivos que justifican por qué los ejercicios en el invierno son tan importantes.

Twenty minutes after your last cigarette, your heart rate drops to a normal level. And the year after you quit, your risk of heart disease has been cut by half. Be sure to celebrate these and other victories on your path to being smoke-free. Why not treat yourself to something special with the money you would have spent on cigarettes?

2. Ayudan a prevenir el aumento de peso. Con todas las comidas ricas en calorías de las fiestas y las comidas reconfortantes de la temporada, el ejercicio regular le puede ayudar a evitar acumular libras adicionales. Incluso si se pierde un ejercicio o dos, simplemente regrese a la rutina al día siguiente. Registrar sus ejercicios y su progreso en su Diario de Comidas y Ejercicios del Fondo de Beneficios de 1199SEIU le puede ayudar a mantenerse motivado.

Your Fund Is Here to Help

3. Pueden levantar su ánimo. Ya sea que sufra o no de la “depresión de invierno”, simplemente estar expuesto a unas pocas horas de luz del día y pasar más tiempo en el interior pueden afectar a su bienestar mental. El ejercicio ayuda a reducir los sentimientos de ansiedad y depresión al liberar sustancias químicas del cerebro para sentirse bien llamadas endorfinas.

For one-on-one coaching to help you quit smoking, call the Benefit Fund’s Nurse Helpline at (866) 935-1199 to connect with a personal health coach who will work with you to develop a plan and set realistic goals. Our health coaches can also help you if you need to lose weight or manage a chronic condition. They’ll share with you the most effective ways to eat healthier while still enjoying foods you like – and lowering your risks for weight-related health issues such as Type 2 diabetes and heart disease.

4. Le ayudarán a mantenerse fuerte. Si el clima le impide disfrutar de sus actividades exteriores regulares, las actividades interiores de entrenamiento de fuerza pueden ayudarle a prevenir no solamente la pérdida de tono muscular sino también la pérdida ósea, y protegerle de fracturas relacionadas a la osteoporosis. El fortalecimiento de los músculos mejora su equilibrio y coordinación, y le ayuda a realizar las tareas físicas cotidianas sin incomodidad ni dolor.

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Don’t be afraid to ask your doctor for advice on how to quit smoking. Remember, too, that your Benefit Fund is here to help. Just call (866) 935-1199 to speak to an 1199SEIU Health Coach who will work with you to create a plan and stick to it. See “Your Fund Is Here to Help” below.

Celebrate Milestones

1. Impulsan su sistema inmunitario. Según los Institutos Nacionales de Salud, el ejercicio, incluida una caminata diaria moderada, puede mejorar su sistema inmunitario y aumentar las defensas de su cuerpo contra las infecciones e incluso contra el resfrío común y la gripe. Un estudio publicado en la revista Nature Reviews Immunology descubrió que el poder de mejoramiento del sistema inmunitario del ejercicio regular podría incluso desempeñar un rol en reducir su riesgo de sufrir enfermedades cardíacas y cáncer, en parte al reducir la inflamación en el organismo.

5. Le ayudarán a hacer de sus hábitos saludables una forma de vida durante todo el año. Reducir su horario de ejercicios ahora hará que sea más difícil comenzar nuevamente cuando el clima mejore. En lugar de ello, haga de sus ejercicios una parte de su vida diaria, sin importar lo que el clima le depara. Haga sus caminatas en un centro comercial local cuando haga mucho frío para caminar afuera, pruebe una clase de ejercicios en grupo en su gimnasio local o haga ejercicios en su hogar con un DVD de ejercicios (como por ejemplo el nuevo DVD Ejercicios para Yoga/Pilates con Banda de Resistencia de los Fondos de Beneficios de 1199SEIU). Al hacer ejercicios durante todo el año usted permanece comprometido, y tendrá más posibilidades de lograr su pérdida de peso y sus metas de ejercicios.

Seek Professional Help If You Need It

So get the support you need to reach your health goals, and call   TODAY

Fuentes: Clínica Mayo; Institutos Nacionales de Salud; Nature Reviews Immunology

Sources: American Cancer Society; Centers for Disease Control and Prevention; Journal of Smoking Cessation; National Cancer Institute;The New England Journal of Medicine;World Heart Federation

Get the New Year Off to a Healthy Start at Our Wellness Workshop on January 24 If you’ve made a pledge to live healthier in 2015, the Benefit Fund can help you stay committed to your goals. Join your fellow members on Saturday, January 24, at our Wellness Department’s “Keep Your New Year’s Resolution” workshop,* where you’ll get tips on eating healthfully, staying fit and reducing stress. At our nutrition seminar, a registered dietitian will discuss diets that have been shown to extend people’s lives, and share which foods you can eat to boost your brain power. Our stress management workshop will provide tips to ease stress at home and at work. To end the day, you can participate in an all-ages aerobics class, so be sure to wear comfortable clothing – and bring the whole family! As an added bonus, all workshop participants will receive the 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout DVD and resistance band as well as a copy of the Fund’s 2015 Protecting Our Health calendar. So join us on January 24 – and learn how to make healthy changes last a lifetime! What: When:

“Keep Your New Year’s Resolution” workshop Saturday, January 24, 2015 10:00 am to 2:00 pm Where: 330 West 42nd Street, 33rd Floor (Penthouse) To reserve your spot, please call (646) 473-8960, Option 2, Option 1. Validated parking for $13 will be available across the street at Impark, and child care will be provided for children ages 3 and above. *Provided by Worksite Medical Services, P.C.

FOR YOUR BENEFIT

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Healthy Eating

A Healthy Spin on Comfort Foods During the winter months, and especially around the holidays, we tend to reach for those familiar comfort foods found at family gatherings and holiday celebrations. As delicious as foods like lasagna, fried chicken, meat loaf and mashed potatoes, and rice and beans are, a steady diet of them can add up to extra fat and calories – adding extra pounds and making you feel sluggish. We’ve rounded up some of the best tips for lightening up your favorite comfort meals that will help you keep the comfort but lose the fat and calories.

Cambios Sencillos Puede eliminar las grasas y las calorías de sus comidas favoritas reconfortantes cambiando por ingredientes magros o sin grasas algunos de los ingredientes con alto contenido en grasas como la mantequilla, u otras fuentes de grasas saturadas. Para reducir las grasas en su receta favorita de pastel de carne y puré de papas, utilice carne de res magra e cambie por lo menos la mitad de la mantequilla con caldo de pollo con bajo contenido de sodio o con yogurt regular bajo en grasas. También puede reducir la cantidad de grasas en los dulces como los queques y los brownies sustituyendo ¼ de taza de aceite o mantequilla por ¼ de taza de puré de manzana.

Cocine sin Grasa Si bien el satisfactorio sabor del pollo frito crujiente y los anillos de cebolla le puede encantar, la grasa adicional de estos alimentos está muy lejos de ser saludable para el corazón. Para lograr una alternativa muy sabrosa con una fracción de las grasas y calorías, pruebe pechuguitas de pollo “fritas” al horno. Puede encontrar la receta, junto con muchas otras recetas sabrosa con bajo contenido de grasas, en el sitio Web What’s Cooking? (¿Qué está cocinando?) en www.WhatsCooking.fns.usda.gov del Departamento de Agricultura de los Estados Unidos (United States Department of Agriculture, USDA). Asar a la parrilla es otro método bueno, especialmente para las verduras. Tan solo un toque de aceite de oliva, hace brotar la dulzura natural en alimentos como los repollitos de Bruselas, las zanahorias y las papas. Otra opción saludable son las carnes magras asadas a fuego lento, como la pechuga de pavo.

Vuelva a Pensar en Su Plato Controlar las porciones se trata de saber lo que realmente le gusta comer, y luego comerlo en moderación junto con muchas verduras saludables. Para hacer más fácil el control de las porciones, llene la mitad de su plato con verduras como ensalada, espinacas salteadas o verduras asadas. Luego lleno un cuarto de su plato con su comida favorita reconfortante (como macarrones con queso o arroz y frijoles) y llene el cuarto restante con una proteína magra (como pechuga de pollo asada, pescado asado o una hamburguesa de pavo).

Deje la Culpa La buena noticia es que no todos los alimentos de comida reconfortante tiene un alto contenido de grasas y calorías. En una mañana fría, caliéntese con un tazón de avena salpicado de pasas y un toque de azúcar morena. Alivie su garganta con algo de sopa de pollo con fideos hecha en casa. Un burrito de arroz integral con guacamole es tanto una comida que llena como una buena fuente de fibra y de grasas saludables. Así que esta temporada de fiestas, en vez de decir que no a sus comidas reconfortantes favoritas, ¡deles una transformación saludable!

Pruebe una sopa saludable y fácil de preparar Su madre tenía razón: la sopa es buena para usted, especialmente cuando está hecha con proteína magra y verdura con alto contenido de fibra. Aquí tiene dos recetas saludables y deliciosas para probar. Sopa de Frijoles Blancos y Calabaza Ingredientes 1 lata de 15 onzas de frijoles blancos pequeños* 1 cebolla pequeña (finamente picada) 1 taza de agua 1 lata de 15 onzas de puré de calabaza** 1 ½ tazas de jugo de manzana ½ cucharadita de canela ½ cucharadita de pimienta negra ¼ cucharadita de sal 1/8 cucharadita de nuez moscada, allspice o jengibre (opcional) * También puede comprar frijoles secos y remojarlos en agua según

las indicaciones del paquete. **Para hacer puré de calabaza fresco, corte una calabaza de tamaño

mediano y deseche el tallo y la pulpa fibrosa. Coloque las dos mitades en una bandeja para horno poco profunda, cúbralas con papel de aluminio y hornéelas a 375 grados durante cerca de 90 minutos o hasta que estén blandas. Deje que enfríe la calabaza, luego quítele la pulpa y hágala puré.

Preparación Aplaste los frijoles blancos, la cebolla y el agua con un tenedor hasta que queden blandos o use la licuadora. Deje aparte. Combine el puré de calabaza, el jugo de manzana, la canela, la pimienta negra y la sal en una olla grande. Si va a usar nuez moscada, allspice o jengibre, agréguelos también. Revuelva, agregue la mezcla de frijoles a la olla. Cocine a fuego lento durante 15 a 20 minutos, hasta que esté caliente. Rinde 6 porciones Por porción: 140 calorías, 1 gr de grasa, 7g de fibra, 420 mg de sodio Receta adaptada del sitio web del Departamento Estadounidense de Agricultura.

Fuentes: Centros para el Control y la Prevención de Enfermedades; Departamento de Agricultura de los EE. UU.

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PARA SU BENEFICIO

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Comer Saludable

Un Giro Más Sano a sus Comidas Reconfortantes Durante los meses de invierno, y en especial alrededor de las fiestas, tendemos a elegir esas comidas reconfortantes y que encontramos en las reuniones familiares y las celebraciones festivas. Aunque los alimentos como la lasaña, el pollo frito, el pastel de carne y el puré de papas, y el arroz y frijoles sean deliciosos, una dieta fija con ellos puede agregar grasa y calorías adicionales – aportando libras adicionales y haciéndole sentirse aletargado. Hemos reunido algunos de los mejores consejos para hacer más saludables sus comidas favoritas que reconfortan, eliminando grasas y calorías.

Simple Swaps You can slash the fat and calories in your favorite comfort foods by trading some of the high-fat ingredients like butter, or other sources of saturated fat, for leaner or no-fat items. To cut the fat in your favorite meat loaf and mashed potato recipe, use lean ground beef and swap out at least half of the butter in the mashed potatoes with low-sodium chicken broth or low-fat plain yogurt.You can also reduce the amount of fat in sweets like cakes and brownies by substituting ¼ cup of apple sauce for ¼ cup of oil or butter.

Try a Healthy, No-Fuss Soup Your mother was right: Soup is good for you, especially when it’s made with lean protein and plenty of high-fiber vegetables. Here is a healthy and delicious recipe to try.

Cook It Lean

Pumpkin and White Bean Soup

While the satisfying crunch of crispy fried chicken and onion rings may warm your heart, the extra fat in these foods is far from heart-friendly. For a great-tasting alternative with a fraction of the fat and calories, try oven-“fried” chicken tenders.You can find a recipe for it, along with many other low-fat, great tasting recipes, at the United States Department of Agriculture’s What’s Cooking? website at www.WhatsCooking.fns.usda.gov. Roasting is another good cooking method, especially for vegetables. With just a touch of olive oil, the natural sweetness in root vegetables like Brussels sprouts, carrots and potatoes comes out. Slow-roasted lean meats, like turkey breast, is another healthy option.

Ingredients 1 15-ounce can of small white beans* 1 small onion (finely chopped) 1 cup water 1 15-ounce can of pumpkin puree** 1 ½ cups apple juice ½ teaspoon cinnamon ½ teaspoon black pepper ¼ teaspoon salt 1/8 teaspoon nutmeg, allspice or ginger (optional)

Rethink Your Plate Portion control is about knowing what you really love to eat – and then eating it in moderation – along with lots of healthy vegetables. To make portion control easier, fill half of your plate with vegetables like salad, sautéed spinach or roasted veggies. Then fill a quarter of your plate with your favorite comfort food (like macaroni and cheese or rice and beans) and the remaining quarter with lean protein (like roasted chicken breast, broiled fish or a turkey burger).

Lose the Guilt The good news is that not all comfort foods are necessarily high in fat and calories. On a cold morning, warm up with a bowl of oatmeal sprinkled with raisins and a touch of brown sugar. Soothe your throat with some homemade chicken noodle soup. A brown rice and guacamole burrito is both a filling meal and a good source of fiber and healthy fats. So this holiday season, instead of saying no to your favorite comfort foods, give them a healthy makeover!

*

You can also buy dried beans and soak them according to package directions.

**For fresh pumpkin puree, cut a medium-sized pumpkin in half and

discard the stem and stringy pulp. In a shallow baking dish, place the two halves facedown, cover with foil and bake in a 375-degree oven for about 90 minutes or until tender. Let pumpkin cool, then scoop out flesh and puree or mash it.

Preparation Mash the white beans, onion and water with a fork or blender until smooth. Set aside. In a large pot, add the pumpkin puree, apple juice, cinnamon, black pepper and salt. If using nutmeg, allspice or ginger, add that too. Stir. Add the bean mixture to the pot. Cook over low heat for 15 to 20 minutes, until warmed through. Makes 6 servings Per serving: 140 calories, 1g fat, 7g fiber, 420 mg sodium Recipe adapted from the U.S. Department of Agriculture website.

Sources:Centers for Disease Control and Prevention; U.S. Department of Agriculture

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FOR YOUR BENEFIT

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Healthy Fitness

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The Top 5 Reasons Winter Workouts Matter

During the winter months, it’s easy to want to hibernate from your workout routine – especially when temperatures take a nosedive. But sticking to your exercise schedule throughout the season can provide a wide range of health benefits. Need more convincing? Here are just a few reasons why winter workouts are so important.

1. They boost your immune system. According to the National Institutes of Health, exercise – including a moderate daily walk – can improve your immune system and increase your body’s defenses against infections and even the common cold and flu. A study in the journal Nature Reviews Immunology found the immune-building power of regular exercise may even play a role in reducing your risk of heart disease and cancer, in part by reducing inflammation in the body. 2. They help prevent weight gain. With all the rich holiday meals and comfort foods of the season, regular exercise can help you avoid putting on extra pounds. Even if you miss a workout or two, just get back on track the next day. Recording your workouts – and your progress – in your 1199SEIU Benefit Fund Food & Fitness Journal can help keep you motivated. 3. They can lighten your mood. Whether or not you get the “winter blues,” just being exposed to fewer hours of daylight and spending more time indoors can affect your mental well-being. Exercise helps reduce feelings of anxiety and depression by releasing feel-good brain chemicals called endorphins. 4. They help you stay strong. If the weather keeps you from enjoying your regular outdoor activities, strength training indoors can help prevent not only loss of muscle tone but bone loss as well, protecting you from osteoporosis-related fractures. Strengthening muscles improves your balance and coordination, helping you perform everyday physical tasks without discomfort or pain. 5. They help make healthy habits a way of life all year round. Taking time off from exercise now will just make it harder to start up again when the weather warms up. Instead, make exercise part of your everyday life, no matter what the weather has in store for you. Take your walks in a local mall when it’s too cold to walk outside, try a group exercise class at your local gym or work out at home with an exercise DVD (like the new 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout DVD). By exercising yearround, you’ll stay committed to – and be more likely to achieve – your weight loss and exercise goals. Sources: Mayo Clinic; National Institutes of Health; Nature Reviews Immunology

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Busque Ayuda Profesional Si la Necesita No tenga miedo de pedir a su médico consejos para dejar de fumar. Recuerde también que el Fondo de Beneficios está aquí para ayudarle. Solo tiene que llamar al (866) 935-1199 para hablar con un Entrenador de Salud de 1199SEIU quien colaborará con usted para crear un plan y cumplirlo.Vea “Su Fondo está Aquí para Ayudarle” a continuación. Celebre los Hitos Veinte minutos después de su último cigarrillo, su ritmo cardiaco baja a un nivel normal.Y un año después de que deja de fumar, se reduce a la mitad su riesgo de contraer una enfermedad cardíaca. Asegúrese de celebrar estas y otras victorias en su camino a lograr estar libre de fumar. ¿Por qué no se complace con algo especial con el dinero que habría gastado en cigarrillos?

Su Fondo está Aquí para Ayudarle Para tener un entrenamiento individual que le ayude a dejar de fumar, llame a la Línea de ayuda de enfermería del Fondo de Beneficios al (866) 935-1199 para que le conecte con un entrenador de salud personal quien colaborará con usted para desarrollar un plan y trazar metas realistas. Nuestros entrenadores de salud también le pueden ayudar si necesita perder peso o controlar una afección crónica. Le dirán cuáles son las formas más efectivas de comer saludable mientras todavía disfruta de las comidas que le gustan, y reducir su riesgo de tener problemas de salud relacionados con el peso tal como la diabetes de Tipo 2 y las enfermedades cardíacas. Por ello debe obtener el apoyo que necesita para alcanzar sus metas de salud, ¡y llame hoy MISMOAL   Fuentes: Sociedad Americana del Cáncer; Centros para el Control y la Prevención de Enfermedades; Journal of Smoking Cessation; Instituto Nacional del Cáncer;The New England Journal of Medicine; Federación Mundial del Corazón

Comience el Año Nuevo de Manera Saludable en Nuestro Taller de Bienestar del 24 de Enero Si se ha comprometido a vivir de manera más saludable en 2015, el Fondo de Beneficios le puede ayudar a permanecer comprometido con sus metas. Únase a sus compañeros miembros el sábado 24 de enero en nuestro taller “Cumpla con Su Resolución de Año Nuevo”* del Departamento de Bienestar donde obtendrá consejos sobre alimentación saludable, acondicionamiento físico y reducción del estrés. En nuestro seminario de nutrición, un dietista registrado tratará sobre las dietas que han probado alargar las vidas de las personas, y compartirá las comidas que puede comer para elevar la potencia de su cerebro. Nuestro taller de control del estrés brindará consejos para reducir el estrés en el hogar y en el trabajo. Para finalizar el día, puede participar en una clase de aeróbicos para todas las edades, asegúrese de usar ropa cómoda, y traiga a toda la familia. Como un bono adicional, todos los participantes en el taller recibirán el DVD Ejercicios para Yoga/Pilates con Banda de Resistencia de los Fondos de Beneficios de 1199SEIU y una banda de resistencia así como una copia del calendario Protección de Nuestra Salud de 2015 del Fondo. Por ello únase a nosotros el 24 de enero, ¡y aprenda cómo hacer que los cambios saludables duren toda la vida! Qué: Taller “Cumpla con Su Resolución de Año Nuevo” Cuándo: Sábado 24 de enero de 2015 de 10:00 am a 2:00 pm Dónde: 330 West 42nd Street, Piso 33 (Penthouse) Para reservar su lugar, llame al (646) 473-8960, opción 2, opción 1. El estacionamiento validado de $13 estará disponible al frente en Impark, y se brindará cuidado infantil para los niños de 3 años y mayores. *Ofrecido por Worksite Medical Services P.C.

PARA SU BENEFICIO

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Vida Saludable

Deje de fumar y comience a vivir

Live Healthfully All Year Long with the 2015 Protecting Our Health Calendar! The Benefit Fund’s 2015 Protecting Our Health calendar is available now! In it you’ll find a year’s worth of nutrition, fitness and lifestyle tips to help you and your family make healthy choices.You’ll also find monthly reminders about the Fund’s wellness events and resources that are available to you.You can get your calendar at any of the Wellness Department’s health fairs, wellness workshops or other events. So get yours today – and start living healthfully now!

Si es un fumador, probablemente conoce todos los motivos para dejar de fumar, pero también probablemente sabe lo difícil que es dejar el hábito para siempre. No importa su edad ni cuánto tiempo ha fumado, vale la pena dejar de fumar. Además de reducir la probabilidad de sufrir una enfermedad cardíaca, cáncer de pulmón, derrame cerebral y enfisema, dejar de fumar también protege a sus seres queridos de los dañinos efectos del humo de segunda mano. Dejar de fumar podría incluso agregarle años de vida: Un estudio reciente publicado en el The New England Journal of Medicine descubrió que los fumadores que dejaban de fumar vivían por lo menos seis años más que las personas que continuaban fumando. Podría ayudar saber que si está tratando de dejar de fumar, no está solo. La buena noticia es que desde 2002, existen más fumadores que han dejado el vicio que fumadores actuales en los Estados Unidos.Y así como los millones que han dejado de fumar, usted también lo puede hacer con la planificación y el apoyo adecuado. Pruebe estos consejos y estrategias para ayudarle a dejar de fumar de una vez por todas.

Escriba sus Motivos para Dejar de Fumar Prepare una lista de sus motivos para dejar de fumar, incluidos los nombres de los miembros de su familia y amigos de cuya compañía desea disfrutar en los años venideros. También fíjese unas metas personales, tal como poder subir escaleras sin que le falte el aire o realmente disfrutar del sabor de las comidas que ama nuevamente. Agregue fotos de sus seres queridos y otros retratos motivacionales, y ponga la lista en un lugar donde la vea con frecuencia. Fije y Anuncie su Fecha para Dejar de Fumar Parece simple, pero escoger una fecha para dejar de fumar definitivamente es importante. Su fecha para dejar de fumar podría tener un significado especial, tal como un cumpleaños o un aniversario, para que le ayude a recordar sus metas. Una vez que se ha decidido, dígales a sus amigos y familiares sobre su plan para que le apoyen. ¿Cómo? Pídales que mantengan sus actividades conjuntas en un ambiente

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sin fumar o que le ayuden a encontrar distracciones saludables cuando quiera un cigarrillo.

Identifique y Evite los Detonadores Asegúrese de deshacerse de los cigarrillos, encendedores, ceniceros y todos los otros objetos que asocia con fumar. Evitar la gente y las situaciones que desencadenan su deseo de fumar puede ser difícil, pero la planificación hace la diferencia. Por ejemplo, lleve consigo un paquete de chicle para mascar después de las comidas, durante los descansos en el trabajo y en otras oportunidades en que estaba acostumbrado a fumar.También puede planificar otras cosas para hacer cuando sienta la urgencia de encender un cigarrillo, tal como llamar a un amigo, escuchar música o acudir a un lugar donde no se pueda fumar como por ejemplo una tienda o una sala de cine. Muévase Una de las mejores formas de evitar el deseo de fumar, y evitar ganar el aumento de peso que se asocia a veces con dejar de fumar, es el ejercicio. De hecho, un estudio publicado en el Journal of Smoking Cessation demostró que los fumadores que hacían ejercicios durante tan solo 15 minutos al día tenían un 55 por ciento más de probabilidades de dejar de fumar, y un 43 por ciento de menos probabilidades de volver a comenzar a fumar, que aquellos que eran inactivos. Por ello camine antes de trabajar, durante su descanso para almorzar o después de la comida, o mejor aún, ¡haga los tres!

Membership Advantages

¡Deje de Fumar para Siempre!

Our New 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout Is Here! New for 2015, we’ve created a fun and energizing Yoga/Pilates resistance band workout that you can do right in the comfort of your home. With our new 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout DVD, in 15 to 20 minutes a day, you’ll complete a variety of yoga and Pilates moves that target all your major muscles, especially your core muscles (abdominals and back muscles). The DVD has workouts for three fitness levels – Beginner, Intermediate and Advanced – so you can choose the one that works best for you. The 1199SEIU Benefit Funds’ fitness coach, Foluke Arthurton,* takes you through the workout, and the DVD comes with a resistance band and has everything you need to get started.You can get your DVD at our “Keep Your New Year’s Resolution” workshop on January 24 (see page 9) and at wellness events throughout the year. *

Contracted through Worksite Medical Services, P.C.

FOR YOUR BENEFIT

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Our 24-Hour Nurse Helpline

Can Also Help You Control and Prevent Chronic Conditions You probably know that the 1199SEIU 24-Hour Nurse Helpline is available 24 hours a day, 7 days a week for those times when you’re not sure about a medication or your child isn’t feeling well in the middle of the night. But don’t forget that the Nurse Helpline is also a good way to help you manage diabetes or heart disease, or better yet, prevent warning signs from leading to either condition. Just call (866) 935-1199 and talk to a personal health coach who will work with you to develop a specific plan and set achievable goals. These trained professionals, along with your doctor, will show you how changes in your diet and exercise routine can make dramatic improvements in your health. They’re here to support you every step of the way, so make sure you use the tools available to you: #ALLOUR.URSE(ELPLINETODAYAT  ANDGETTHEANSWERSANDTHE SUPPORTYOUNEEDTOSUCCEED

Manage Your Personal Health Information with

“My Account” Since your Benefit Fund first introduced “My Account,” more than 70,000 members have created their own personal information accounts to manage their personal health benefit information online in the convenience and privacy of their homes.

With “My Account,” you can: s s s s s

#HANGEYOURADDRESS &INDOUTTHESTATUSOFACLAIM 2EQUESTANEW(EALTH"ENElTS)$#ARD #OORDINATEYOURSPOUSESBENElTS 2EGISTERFORBENElTSOFFEREDBYTHE 1199SEIU/Employer Child Care Fund

Coming Soon Soon the system will allow you to enroll your eligible dependents and request a pension estimate online as well. You’ll also be able to view “My Account on the Go” on your smartphone. For more information or to set up your personal information account, please visit www.1199SEIUBenefits.org and click on “My Account” on the homepage.

Our Prenatal Workshop Can Help

Ensure You Have a Healthy Pregnancy Join other expectant parents at our Wellness Department’s next Prenatal workshop on March 7, where you’ll get important information about how to stay healthy during pregnancy and after your child is born, how to prepare for your due date and what to expect during labor and delivery. Whether it’s your first child or your third, you’ll also learn how to have a healthy pregnancy with fewer complications.

Partners are welcome!

What:

Prenatal workshop

When:

Saturday, March 7, 2015 10:00 am to 2:30 pm

Where:

330 West 42nd Street 33rd&LOOR0ENTHOUSE

To reserve your spot, please call (646) 473-8960, Option 2, Option 2. If you are unable to attend the workshop in person, please call us at (646) 473-8962 for information about attending by WebEx via your computer. Provided by Worksite Medical Services, P.C.

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“Finalmente me di cuenta de que cada bocanada había estado poniendo en peligro mi salud, aunque me sentía bien antes de mi ataque al corazón”, dijo Jeffrey. “Pero lo más importante, me di cuenta de que podía dejarlo, estaba viviendo sin cigarrillos, y me sentía bien”.

¿Tiene una historia saludable que compartir? Siempre estamos buscando la oportunidad de destacar a los miembros que protegen su salud perdiendo peso, dejando de fumar, manteniendo bajo control una enfermedad crónica o simplemente mejorando su estilo de vida en general. Si usted ha implementado cambios positivos en su salud, o si recién lo está comenzando a hacer, ¡queremos tener noticias suyas! Para compartir su historia con sus compañeros miembros en un número futuro de Para su Beneficio, contacte al Fondo en: Communications@1199Funds.org.

PARA SU BENEFICIO

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Perfil del Miembro

Jeffrey Lee Después de un grave susto sobre su salud, Jeffrey Lee dejó los cigarrillos para siempre, y hoy está respirando más fácilmente. Durante cuatro largos días en junio de 2012, Jeffrey Lee estuvo postrado en la cama de un hospital en Brooklyn y pensó sobre cuánto se estaba poniendo en riesgo si seguía fumando. Con solo 55 años de edad en ese momento, felizmente casado con su esposa, Janine, quien es un Coordinador de Ayuda para los Fondos de Beneficios, y orgulloso padre de su hija de 16 años, Janay, estaba aterrorizado de pensar que no sería parte de sus vidas. Pero ahí estaba, recuperándose de un ataque al corazón en la unidad cardíaca del Long Island College Hospital después de ser llevado a la sala de emergencias. “Fue una experiencia traumática que me asustó mucho”, dijo. “Y no había la menor duda de por qué sufrí un ataque al corazón: era porque fumaba cigarrillos”. Jeffrey, un Auxiliar de Atención Personal en el Hospital Mount Sinai/Beth Israel, había estado fumando cerca de un paquete de cigarrillos al día durante casi 30 años, pero ahora estaba decidido a parar. Los dos meses de su recuperación estrictamente supervisada luego de su ataque al corazón le ayudaron a evitar la mayoría de los detonadores que podrían hacerlo fumar, dijo, ya que estuvo la mayoría de su tiempo ya sea en su hogar o en un establecimiento de atención de la salud visitando a un médico. Pero además de curar su corazón y estabilizar su salud en medida suficiente para regresar al trabajo, ocurrieron dos cosas. “Finalmente me di cuenta de que cada bocanada había estado poniendo en peligro mi salud, aunque me sentía bien antes de mi ataque al corazón”, dijo Jeffrey. “Pero lo más importante, me di cuenta de que podía dejarlo, estaba viviendo sin cigarrillos, y me sentía bien”. Al trabajar en una unidad de desintoxicación y dependencia química del hospital, Jeffrey vio lo difícil que era para los pacientes luchar contra la adicción y dice que piensa humildemente que su experiencia podría servir como un poderoso ejemplo. “Le digo a la gente que en mi mente, yo pensaba que me preocupaba por la salud aunque fumaba, jugaba baloncesto cada semana, consideraba que comía bastante bien e incluso había perdido un poco de peso”, dijo. “Había bloqueado el hecho de que fumar me ponía en un

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riesgo mucho mayor de sufrir un ataque al corazón o un derrame cerebral”. La experiencia fue un momento trascendental en la vida de Jeffrey, y en los últimos dos años y medio no solo ha dejado de fumar, sino que se ha vuelto más consciente de su salud en general. Camina cerca de tres veces por semana, dijo, y utiliza una máquina elíptica en su hogar. Una molesta lesión en la cadera ha limitado su tiempo en la cancha de baloncesto, pero no se queja. “Hay que reconocer que es un juego para jóvenes”, dijo riendo. “Tengo 58 años de edad y aparte de querer bajar unas cuantas libras, me siento bien”. Recalcó que ha sido difícil seguir sin fumar, o evitar reemplazar refrigerios por los cigarrillos, pero que se ha vuelto más fácil con el transcurrir del tiempo. No utilizó productos ni medicamentos para dejar de fumar, pero dice que toda persona que piense en dejar de fumar debe utilizar lo que necesite para hacerlo, como parches de nicotina, goma de mascar o medicamentos. El cardiólogo de Jeffrey le dijo que además de dejar de fumar tenía que cambiar su dieta con el fin de que su corazón se cure y recupere sus fuerzas. Por ello comenzó a cocinar a la parrilla y a hornear sus comidas de pollo, pescado y camarones en lugar de freírlas; comenzó a comer fruta fresca y verduras en lugar de papitas fritas, pretzels u otros alimentos de refrigerio no saludables; y a beber agua en lugar de gaseosas. Sorpresivamente descubrió que comer saludable reducía sus deseos de fumar, elevaba su confianza y le ayudaba a permanecer sin fumar. Por supuesto, ahora que sus papilas gustativas están funcionando nuevamente, necesita cuidar sus porciones y evitar los refrigerios impulsivos, especialmente cuando trabaja en su turno usual de 11 pm a 7 am. Pero es un pequeño sacrificio, dijo, especialmente cuando recuerda dónde estaba hace menos de tres años. “Soy afortunado de tener beneficios de salud que me permiten estar al tanto de mi estado físico, y he tomado medidas para cambiar y hacer lo correcto”, dijo. “No ha habido un daño permanente a mi corazón. Ahora el resto es mi responsabilidad”.

!TTENDING#OLLEGEIN!CADEMIC9EARn

Request the Joseph Tauber Scholarship Application The Joseph Tauber Scholarship Program provides scholarships to children of eligible 1199SEIU members who are attending accredited undergraduate programs. Eligible members are those whose employers contribute to the National Benefit Fund or the Greater New York Child Care Fund. Members must have received Wage Class I benefits for at least one year. Candidates must be high school graduates, postsecondary school students or previous awardees enrolled full time for a minimum of 12 college credits each semester. All candidates must be younger than 23 years of age by September 1, 2015. Previous awardees seeking scholarship support should note that automatic award renewals are not granted; you must reapply each year for consideration. To request an application for the Joseph Tauber Scholarship Program, complete the application request form below and submit it before January 31, 2015. You may only submit one application request form per child. If both parents are 1199SEIU employees, choose one parent to submit on behalf of the child. If you need additional forms, you may download them by visiting our website at www.1199SEIUBenefits.org/ccf during the application request period. Please note that this application request form is NOT an actual application; it is valid for the 2015–2016 award year only. Fax your completed request form to (646) 473-6949 or mail it to: 1199SEIU Child Care Corporation, Joseph Tauber Scholarship Program, 330 West 42nd Street, 18th Floor, New York, NY 10036-6977. Once you submit the form as instructed, if eligible, you will be sent a Scholarship Application Kit in March. The Kit includes several forms that must be completed and returned per the specific instructions and by the dates indicated, in order for consideration. Scholarship award amounts vary according to need, with a yearly minimum award of $750. While Joseph Tauber Scholarships can support eligible students in any field of study, the 1199SEIU Next Generation RN Scholarship Program provides financial and academic assistance to children of 1199SEIU members in the clinical phase of a nursing program. To find out if your child qualifies, or if you have any questions, please call (646) 473-8999.

*/3%0(4!5"%23#(/,!23()002/'2!-sn!00,)#!4)/.2%15%34&/2Student Information (please print clearly in ink) Student Name ________________________________________________________________________________________________ First name

Last name

Date of Birth ___________________________________________________ Current Age ____________________________________ Email Address ________________________________________________________________________________________________ Date graduated from, or expected to graduate from high school ____________________ College Entrance Date _______________________ First-time Joseph Tauber Scholarship Program applicant?

❒ Yes

❒ No

Member Information (please print clearly in ink) Member Name ________________________________________________________________________________________________ First name

Last name

Member ID# __________________________________________________________________________________________________ Home Phone __________________________________________ Cellular Phone ____________________________________________ Address ______________________________________________________ City _____________________ State _____ Zip __________ Email Address ________________________________________________________________________________________________ ❒ National Benefit Fund (NBF)

❒ Greater New York Child Care Fund

❒ NBF Rochester-Area Members

❒ LPN Welfare Fund

Your application request form must be received by the Scholarship Department before January 31, 2015, in order for us to send you an official Scholarship Application Kit. If you have not received your Scholarship Application Kit by April 1, 2015, please call us at (646) 473-8999. A receipt will be sent once we receive and enter this request for application form.

FOR YOUR BENEFIT

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!..%3(/2%3,%%0 !7!9#!-002/'2!-s%,)')"),)49#/50/. Please print clearly in ink. Member Information: â?’ National Benefit Fund (NBF)

â?’ Greater New York Child Care Fund (GNY) â?’ NBF Rochester-Area Members

Member’s Last Name _________________________ First Name __________________________ Member ID No. ____________________ (Required, SSN not accepted)

Address _____________________________________________________________________________ Apt. No. _________________ City ______________________________________________________________ State _________________ Zip __________________ Home Phone _________________________ Cellular Phone ________________________ Work Phone ______________________ Ext. _____ Employed at __________________________________________________________________________________________________ Child’s Last Name _____________________________________ First Name ____________________________ Date of Birth ____________ Has your child used this benefit in the past? � YES � NO If yes, which camp did your child attend? __________________________________ Member Email Address __________________________________________________________________________________________ Complete this form in its entirety and return it before January 30, 2015. Mail it to: 1199SEIU Child Care Corporation, Anne Shore Sleep-Away Camp Program, PO Box 955, New York, NY 10108-0955. You may also fax this form to the attention of the Anne Shore Sleep-Away Camp Program at (646) 473-8311. A separate coupon must be submitted for each individual child.

2015 Anne Shore Sleep-Away Camp Program for

Children Ages 9 to 15 Years Each year, the Anne Shore Sleep-Away Camp Program sends more than 800 children of 1199SEIU members to three- and four-week sleep-away camps throughout the Northeast – at minimal cost to their parents. To apply for sleep-away camp, simply fill out the coupon above and return it to the 1199SEIU Child Care Corporation before January 30, 2015. If your child is eligible, our program staff will contact you to schedule an appointment to attend a mandatory orientation in order to select the camp that best suits your child’s needs and interests. You are required to submit a $10 non-refundable application fee, which must be paid at orientation. Please contact the Anne Shore Camp Program at (646) 473-8310 or at AnneShoreCampProgram@1199Funds.org for more information. 4HISSUMMERPROGRAMISATHREE TOFOUR WEEKSLEEP AWAYCAMP4HISAPPLICATION)3./4FORDAYCAMP

.UESTRA,Ă“NEADE!YUDADE%NFERMERĂ“A$ISPONIBLELAS(ORAS

TambiĂŠn Puede Ayudarle a Controlar y Prevenir las Enfermedades CrĂłnicas Probablemente usted sabe que la LĂ­nea de ayuda de enfermerĂ­a disponible las 24 horas de 1199SEIU estĂĄ a su alcance las 24 horas del dĂ­as, 7 dĂ­as a la semana, para esos momentos en los que no estĂĄ seguro acerca de un medicamento o si su hijo no se estĂĄ sintiendo bien en medio de la noche. Pero no se olvide de que la LĂ­nea de enfermerĂ­a tambiĂŠn es una buena forma de ayudarle a controlar la diabetes o las enfermedades cardĂ­acas, o mejor aĂşn, de ayudarle a prevenir que las seĂąales de aviso le provoquen cualquiera de las enfermedades. Simplemente llame al (866) 935-1199 y hable con un entrenador de salud personal quien trabajarĂĄ con usted para crear un plan especĂ­fico y establecer metas alcanzables. Estos profesionales capacitados, conjuntamente con su mĂŠdico, le mostrarĂĄn en quĂŠ medida los cambios en su dieta y rutina de ejercicios pueden significar mejoras dramĂĄticas en su salud. TambiĂŠn estarĂĄn presentes para apoyarlo en cada paso del proceso, asĂ­ que asegĂşrese de utilizar las herramientas a su disposiciĂłn: ÂĄLlame a nuestra LĂ­nea de Ayuda de EnfermerĂ­a hoy mismo AL  YOBTENGALASRESPUESTASYELAPOYOQUENECESITAPARATENERĂ?XITO

Administre su InformaciĂłn de Salud Personal con

“Mi Cuenta�

(“My Account�)

Desde que su Fondo de Beneficios introdujo por primera vez “Mi Cuentaâ€?, mĂĄs de 70,000 miembros han creado sus propias cuentas de informaciĂłn personal para administrar por Internet su informaciĂłn personal de beneficios de salud en la conveniencia y privacidad de sus hogares.

Con “Mi Cuenta�, usted puede:

s #AMBIARSUDIRECCIĂ˜N s !VERIGUARELESTATUSDEUNARECLAMACIĂ˜N s 3OLICITARUNANUEVATARJETADEIDENTIlCACIĂ˜N para Beneficios de Salud s #OORDINARLOSBENElCIOSDESUCĂ˜NYUGE s )NSCRIBIRSEPARALOSBENElCIOSOFRECIDOSPOR el Fondo de Cuidado Infantil del Empleador/1199SEIU

PrĂłximamente FOR OFFICE USE ONLY â?’ NBF

â?’ GNY

Eligibility: â?’ YES

â?’ NBF ROCHESTER â?’ NO

If no, reason: _________________________________

Eligibility Verification Date: ________________________________________________ Date Received

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Verified by: ___________________________________________________________

Pronto el sistema permitirĂĄ que inscriba a sus dependientes elegibles y tambiĂŠn que solicite un cĂĄlculo de la pensiĂłn en lĂ­nea. TambiĂŠn podrĂĄ ver “Mi Cuenta al Pasoâ€? en su telĂŠfono inteligente. Para obtener informaciĂłn adicional o establecer su cuenta de informaciĂłn personal, visite www.1199SEIUBenefits.org y haga clic en “Mi Cuentaâ€? en la pĂĄgina inicial.

Nuestro Taller Prenatal Puede Ayudarla

a Garantizar un Embarazo Saludable El 7 de marzo, Ăşnase a otros futuros padres en nuestro siguiente Taller Prenatal del Departamento de Bienestar, donde recibirĂĄ informaciĂłn importante sobre cĂłmo mantenerse saludable durante el embarazo y despuĂŠs de que nazca su hijo/a, cĂłmo prepararse para la fecha de parto y quĂŠ puede esperar durante la labor de parto y el alumbramiento. Tanto si es su primer hijo como si es el tercero, tambiĂŠn aprenderĂĄ cĂłmo tener un embarazo saludable con menos complicaciones.

ÂĄSu pareja serĂĄ bienvenida tambiĂŠn!

QuĂŠ:

Taller Prenatal

CuĂĄndo:

SĂĄbado, 7 de marzo de 2015 De 10:00 am a 2:30 pm

DĂłnde:

330 West 42nd Street, 0ISO0ENTHOUSE

Para reservar su lugar, llame al (646) 473-8960, opciĂłn 2, opciĂłn 2. Si no puede asistir al taller en persona, sĂ­rvase llamarnos al (646) 473-8962 para obtener informaciĂłn sobre cĂłmo asistir por WebEx por medio de su computadora. Ofrecido por Worksite Medical Services, P.C.

PARA SU BENEFICIO

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Asegúrese de Obtener Todo el Reintegro de Impuestos que le Corresponde con el Crédito Tributario por Ingresos del Trabajo Aproveche nuestro programa gratuito de asistencia para la preparación de la declaración de impuestos. Durante años, el programa de asistencia para la preparación de la declaración de impuestos del Fondo de Beneficios de 1199SEIU ha estado disponible para ayudarle a solicitar el Crédito Tributario por Ingresos del Trabajo (Earned Income Tax Credit o “EITC”, por sus siglas en ingles) y a obtener la máxima devolución posible de impuestos. El programa ha atendido a miles de miembros, y en 2015, el Fondo se está asociando nuevamente con la Coalición EITC de la ciudad de Nueva York para ayudar a que su declaración de impuestos sea preparada con precisión y que su reembolso incluya todo aquello a lo que tiene derecho. La Coalición del Crédito Tributario por Ingresos del Trabajo (EITC Coalition) está dirigida por el Departamento de Asuntos del Consumidor de la Ciudad de Nueva York e incluye la Office of Financial Empowerment y el Food Bank For New York City.

1. 2. 3.

4. 5.

Si va a presentar una declaración conjunta con su cónyuge, ambos deben estar presentes. Un voluntario en la sede verificará su identidad, revisará sus ingresos y los documentos relativos a impuestos, y le ayudará a comenzar. Sus formularios y documentos serán transmitidos de manera segura a la sede de preparación de impuestos de Food Bank For New York City donde su declaración de impuestos será procesada por un preparador certificado de impuestos. Puede esperar una llamada del preparador de impuestos en tan solo 48 horas para revisar su declaración de impuestos y completar el proceso de presentación electrónica. Su declaración de impuestos será enviada por correo electrónico.

El programa de educación financiera sin fines de lucro llamado Ariva está ofreciendo asistencia gratuita en sedes en el Bronx. En la sede de Ariva del sur del Bronx, el ingreso de su hogar para 2014 debe ser inferior a $53,000 si tiene hijos dependientes, o inferior a $25,000 si es soltero y no tiene dependientes. En la sede de Ariva del noroeste del Bronx, el ingreso de su hogar para 2014 debe ser inferior a $56,000 si tiene hijos dependientes, o inferior a $25,000 si es soltero y no tiene dependientes. Si califica para el Crédito Tributario por Ingresos del Trabajo (EITC), los expertos en la preparación de las declaraciones de impuestos le ayudarán a solicitar el crédito. Incluso si no vive cerca de estos establecimientos, asegúrese de revisar la siguiente guía “Solicite Su Crédito Tributario por Ingresos del Trabajo” para saber si califica para el crédito antes de presentar su declaración.

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CONTENIDOS

INVIERNO 2014–15

ACTUALIZACION Y NOTICIAS SOBRE BENEFICIOS 19 Nuevo Plan Dental Plus para los que Se Jubilan Anticipadamente Evite los Costos a su Cargo Utilizando los Proveedores Participantes

Visite los Sitios de Food Bank For New York City y Ariva para Obtener Asistencia Gratuita con la Preparación de Impuestos Siempre que sus ingresos familiares en 2014 no hayan superado los $53,000 con dependientes (o $20,000 si está soltero y no tiene dependientes), nuestros socios del Food Bank For New York City están ofreciendo eventos gratuitos de preparación de la declaración de impuestos en los cinco distritos.Y este año, por primera vez, el Food Bank For New York City está ofreciendo un nuevo servicio:Virtual Volunteer Income Tax Assistance (Virtual VITA), [Voluntariado Virtual de Asistencia para la Preparación de la Declaración de Impuestos,VITA Virtual], para tener la conveniencia de una presentación electrónica en varios lugares. Sírvase visitar www.FoodBankNYC.org/News/Free-Income-Tax-Services-Locations para encontrar la sede que le quede más cercana. Usted es elegible para usar Virtual VITA si los ingresos de su hogar en 2014 fueron inferiores a $53,000 con dependientes o $20,000 sin dependientes. Así es como funciona:

Para Su Beneficio

20 Asegúrese de Obtener Todo el Reintegro

de Impuestos que le Corresponde con el Crédito Tributario por Ingresos del Trabajo

Solicite Su Crédito Tributario por Ingresos del Trabajo (EITC) Puede verificar si reúne los requisitos de ingresos para solicitar el Crédito Tributario por Ingresos del Trabajo (EITC, por sus siglas en ingles) utilizando las pautas de impuestos de 2014 que se indican a continuación: s

)NGRESOINFERIORA O SIESCASADO y presenta una declaración conjunta) con tres o más hijos dependientes

s

)NGRESOINFERIORA  SIESCASADO y presenta una declaración conjunta) con dos hijos dependientes

s

s

)NGRESOINFERIORA  SIESCASADO y presenta una declaración conjunta) con un hijo dependiente )NGRESOINFERIORA  SIESCASADO y presenta una declaración conjunta) sin hijos dependientes

21 Nuestra Línea de Ayuda de Enfermería Disponible las 24 Horas También Puede Ayudarle a Controlar y Prevenir las Enfermedades Crónicas Administre su Información de Salud Personal con “Mi Cuenta” (“My Account”) Nuestro Taller Prenatal Puede Ayudarla a Garantizar un Embarazo Saludable

PERFIL DEL MIEMBRO 22 Jeffrey Lee Después de un grave susto sobre su salud, Jeffrey Lee dejó los cigarrillos para siempre, y hoy está respirando más fácilmente.

VIDA SALUDABLE 24 ¡Deje de Fumar para Siempre!

COMER SALUDABLE 26 Un Giro Más Sano a sus Comidas Reconfortantes

27 Pruebe una Sopa Saludable y Fácil de Preparar

PROGRAMA DE SALUD PARA MANTENERSE EN FORMA 28 Los 5 Motivos Principales por los cuales los Ejercicios en el Invierno son Importantes

VENTAJAS DE LA MEMBRESIA 29 ¡Viva Saludablemente Durante Todo el

Año con el Calendario de Protección de Nuestra Salud de 2015! ¡Ya Está Disponible Nuestro Nuevo DVD de Ejercicios de Yoga/Pilates con la Banda de Resistencia de los Fondos de Beneficios de 1199SEIU!

30 ¿Va a Estudiar en la Universidad durante

el Año Académico 2015–2016? Pida la Solicitud para la Beca Joseph Tauber

31 Cupón de Elegibilidad para 2015 del

Programa de Campamento de Estadía Anne Shore para Niños de 9 a 15 Años

Deje de fumar y comience a vivir

25 Comience el Año Nuevo de Manera

Saludable en nuestro Taller de Bienestar del 24 de Enero

Espere recibir por correo su folleto de información sobre el Crédito Tributario por Ingresos del Trabajo (EITC), visite nuestro sitio web en www.1199SEIUBenefits.org, o llame al Fondo de Beneficios al (646) 473-9200.

El Fondo Nacional de Beneficios se considera un “plan de salud de derechos adquiridos” en virtud de la Ley de Cuidado de Salud a Bajo Precio. Según lo permite la Ley de Cuidado de Salud a Bajo Precio, un plan de salud de derechos adquiridos puede conservar cierta cobertura básica de salud que ya estaba vigente cuando se promulgó la ley. Ser un plan de salud de derechos adquiridos significa que este plan puede no incluir ciertas protecciones al cliente de la Ley de Cuidado de Salud a Bajo Precio que pueden aplicarse a otros planes, por ejemplo, el requisito de un proceso de revisión externo para las apelaciones de reclamos. Sin embargo, bajo la Ley de Cuidado de Salud a Bajo Precio los planes de salud de derechos adquiridos deben cumplir con otras protecciones determinadas para el consumidor, por ejemplo, la eliminación de los límites de por vida de los beneficios. Las preguntas relativas a qué protecciones se aplican y cuáles no se aplican a un plan de salud de derechos adquiridos y que podrían hacer que un plan cambie del estatus como plan de salud de derechos adquiridos pueden dirigirse al Fondo llamando al (646) 473-9200. También puede comunicarse con la Administración para la Seguridad de los Beneficios del Empleado del Departamento de Trabajo de los EE. UU. llamando al (866) 444-3272 o al www.dol.gov/ebsa/healthreform. Este sitio web tiene una tabla que resume las protecciones que se aplican y no se aplican a los planes de salud de derechos adquiridos.

FOR YOUR BENEFIT

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Estimados miembros, Mantener un estilo de vida saludable, hacer ejercicios en forma regular, comer alimentos nutritivos y tener tiempo para sí mismo pueden ser un reto durante los meses de invierno debido al mal clima, los horarios ocupados y el estrés de los feriados. Para lidiar con ello, algunos de nosotros recurrimos a comidas “reconfortantes” que son altas en grasas y en calorías o incluso comportamientos poco saludables, como por ejemplo fumar. Sabemos lo difícil que puede ser practicar siempre hábitos saludables, por ello para ayudarle a hacerlo, su Fondo de Beneficios brinda recursos que puede utilizar para mantenerse a sí mismo y a su familia saludables durante todo el año.

Sabemos lo difícil que puede ser practicar siempre hábitos saludables, por ello para ayudarle a hacerlo, su Fondo de Beneficios brinda recursos que puede utilizar para mantenerse a sí mismo y a su familia saludables durante todo el año.

Uno de estos recursos es su revista para miembros, Para su Beneficio, y en este número encontrará estrategias prácticas para proteger su salud —comenzando por el calendario 2015 Protección de Nuestra Salud del Fondo de Beneficios. El calendario está lleno de información sobre nutrición, acondicionamiento físico y salud mental, así como recordatorios sobre talleres de salud y programas de bienestar provistos por el Fondo. Si fuma, o conoce a alguien que fuma, ofrecemos formas de dejar el hábito para siempre. De hecho, obtendrá información sobre cómo uno de sus compañeros miembros, Jeffrey Lee, un Auxiliar de Atención Personal en el Hospital Mount Sinai/Beth Israel, dejó de fumar después de un gran susto para su salud. Compartimos consejos sobre cómo hacer que sus alimentos sean más saludables y le damos cinco razones por las cuales es tan importante hacer ejercicios durante el invierno.Y dado que no hay mejor forma de protegerse contra la gripe, le urgimos a que reciba su vacuna anual para la gripe si no lo ha hecho ya. También encontrará información sobre los valiosos beneficios que su Fondo brinda, incluido nuestro programa de asistencia para la preparación de la declaración de impuestos, que ayuda a miles de miembros a obtener más dinero en sus reintegros tributarios cada año, y los talleres de bienestar programados. Si asiste a uno de estos eventos de bienestar, no solo obtendrá su propia copia del calendario 2015 de Protección de Nuestra Salud del Fondo, sino también una copia del nuevo DVD Ejercicios para Yoga/Pilates con Banda de Resistencia de los Fondos de Beneficios de 1199SEIU y una banda de resistencia. Confiamos que este número de Para su Beneficio le ayude a prepararse a vivir de manera más saludable en 2015. Atentamente,

Mitra Behroozi Directora Ejecutiva Fondos de Beneficios y Pensiones de 1199SEIU

Este número de Para su Beneficio contiene información importante sobre sus derechos en virtud del plan de beneficios y la Ley de Seguridad del Ingreso de Jubilación del Empleado (ERISA, por sus siglas en inglés), que debe leer y conservar para consultarla en el futuro.

18

www.1199SEIUBenefits.org

Nuevo Plan Dental Plus para los que Se Jubilan Anticipadamente Si está considerando una jubilación anticipada, es posible que sepa que los Fondos de Beneficios ofrecen un plan de medicamentos con receta, cuidado de la vista y de la audición a los jubilados del Fondo Nacional de Beneficios de 55 años de edad o mayores con por lo menos 10 años de servicios y a los jubilados del Fondo de Beneficios de la zona metropolitana de Nueva York que tienen entre 62 y 65 años de edad y con por lo menos 25 años de servicios. A partir del 1 de enero de 2015, los Fondos de Beneficios están brindando un nuevo plan de beneficios de la salud para los que se jubilan anticipadamente y aún no son elegibles para Medicare, llamado Plan Dental Plus. Este nuevo plan incluye un beneficio dental ($3,000 al año para NBF y $1,200 al año para GNY); un plan de indemnización por hospitalización que paga $200 por día, durante 10 días, cada vez que es ingresado en un hospital; y un beneficio de cuidado de la vista. Hemos creado el nuevo Plan Dental Plus, de la misma manera que lo hicimos para nuestros miembros activos de la Clase de Salario y Elegibilidad III, para permitir que aquellos que se jubilan anticipadamente y que quieran comprar un plan médico en el nuevo Mercado de Seguros de Salud reciban un subsidio, si son elegibles, para ayudar a pagar por el plan. Como probablemente ya

sabe, bajo la Ley de Cuidado de Bajo Costo (ACA, por sus siglas en inglés) todos deben tener una “Cobertura esencial mínima” o se les aplica una multa. Debido a que el Plan de Medicamentos Recetados es considerado “Cobertura esencial mínima” según ACA, los que se jubilan anticipadamente no deberán pagar una multa, pero si eligen comprar un plan médico más completo en el Mercado de Seguros de Salud, no podrían tener acceso a un subsidio. En algunos casos, el subsidio fiscal puede reducir la prima mensual a cero. (Los que se jubilan anticipadamente que consideran que el Plan de Medicamentos Recetados puede funcionar mejor para ellos tienen una opción de una sola vez de cambiarse del Plan Dental Plus.) Por ello, si está programando una jubilación anticipada y tiene preguntas sobre el Plan Dental Plus o sobre su cobertura del Fondo de Beneficios, sírvase comunicarse con nuestro Centro de Servicios para Jubilados llamando al (646) 473-8666 y un representante tendrá mucho gusto en atenderlo. Para obtener información sobre la compra de un plan del Mercado de Seguros, puede comunicarse con nuestros socios de la Sociedad de Servicio Comunitario llamando por teléfono al (888) 614-5400 o visitar Enroll@CSSNY.org.

Actualización y Noticias sobre Beneficios

Mensaje de la Directora Ejecutiva

Evite los Costos a su Cargo Utilizando los Proveedores Participantes Como miembro de 1199SEIU, tiene acceso a miles de proveedores de atención de la salud dentro de la red del Fondo de Beneficios. Esto significa que puede evitar pagar costos innecesarios de su bolsillo cuando utiliza a los proveedores participantes. Los médicos que no están en la red pueden cobrar lo que quieran, que puede ser mucho más que la tasa de reembolso del Fondo, y usted tendrá que pagar el saldo total. Por ello acudir fuera de nuestra red para consultar a un proveedor no participante puede resultar en una cuenta médica costosa y evitable, así que debe asegurarse de que su médico, y cualquier proveedor a quien le derive, sea parte de nuestra red. s 0ARAENCONTRARUNPROVEEDORPARTICIPANTE VISITEwww.1199SEIUBenefits.org, y busque por especialidad, ubicación o red de hospital. Si necesita ayuda para elegir un proveedor de dentro de la red, solo tiene que llamar al Departamento de Servicios para los Miembros al (646) 473-9200 y uno de nuestros representantes le ayudará. s #UANDOHAGAUNACITACONCUALQUIERPROVEEDORDEATENCIØNDELASALUD DEBECONlRMARQUEEL proveedor aún participa en la red del Fondo. Esto también incluye a su médico de atención primaria, a su farmacia, a los cirujanos y anestesistas si necesita una operación, centros de imágenes o laboratorios si necesita radiografías u otras pruebas así como otras derivaciones o especialistas. Y si su médico le receta un medicamento, recuerde consultar la Lista de Medicamentos Preferidos (PDL, por sus siglas en inglés) en www.1199SEIUBenefits.org para asegurarse de que su medicamento esté totalmente cubierto.

PARA SU BENEFICIO

19


Estimados miembros, Mantener un estilo de vida saludable, hacer ejercicios en forma regular, comer alimentos nutritivos y tener tiempo para sí mismo pueden ser un reto durante los meses de invierno debido al mal clima, los horarios ocupados y el estrés de los feriados. Para lidiar con ello, algunos de nosotros recurrimos a comidas “reconfortantes” que son altas en grasas y en calorías o incluso comportamientos poco saludables, como por ejemplo fumar. Sabemos lo difícil que puede ser practicar siempre hábitos saludables, por ello para ayudarle a hacerlo, su Fondo de Beneficios brinda recursos que puede utilizar para mantenerse a sí mismo y a su familia saludables durante todo el año.

Sabemos lo difícil que puede ser practicar siempre hábitos saludables, por ello para ayudarle a hacerlo, su Fondo de Beneficios brinda recursos que puede utilizar para mantenerse a sí mismo y a su familia saludables durante todo el año.

Uno de estos recursos es su revista para miembros, Para su Beneficio, y en este número encontrará estrategias prácticas para proteger su salud —comenzando por el calendario 2015 Protección de Nuestra Salud del Fondo de Beneficios. El calendario está lleno de información sobre nutrición, acondicionamiento físico y salud mental, así como recordatorios sobre talleres de salud y programas de bienestar provistos por el Fondo. Si fuma, o conoce a alguien que fuma, ofrecemos formas de dejar el hábito para siempre. De hecho, obtendrá información sobre cómo uno de sus compañeros miembros, Jeffrey Lee, un Auxiliar de Atención Personal en el Hospital Mount Sinai/Beth Israel, dejó de fumar después de un gran susto para su salud. Compartimos consejos sobre cómo hacer que sus alimentos sean más saludables y le damos cinco razones por las cuales es tan importante hacer ejercicios durante el invierno.Y dado que no hay mejor forma de protegerse contra la gripe, le urgimos a que reciba su vacuna anual para la gripe si no lo ha hecho ya. También encontrará información sobre los valiosos beneficios que su Fondo brinda, incluido nuestro programa de asistencia para la preparación de la declaración de impuestos, que ayuda a miles de miembros a obtener más dinero en sus reintegros tributarios cada año, y los talleres de bienestar programados. Si asiste a uno de estos eventos de bienestar, no solo obtendrá su propia copia del calendario 2015 de Protección de Nuestra Salud del Fondo, sino también una copia del nuevo DVD Ejercicios para Yoga/Pilates con Banda de Resistencia de los Fondos de Beneficios de 1199SEIU y una banda de resistencia. Confiamos que este número de Para su Beneficio le ayude a prepararse a vivir de manera más saludable en 2015. Atentamente,

Mitra Behroozi Directora Ejecutiva Fondos de Beneficios y Pensiones de 1199SEIU

Este número de Para su Beneficio contiene información importante sobre sus derechos en virtud del plan de beneficios y la Ley de Seguridad del Ingreso de Jubilación del Empleado (ERISA, por sus siglas en inglés), que debe leer y conservar para consultarla en el futuro.

18

www.1199SEIUBenefits.org

Nuevo Plan Dental Plus para los que Se Jubilan Anticipadamente Si está considerando una jubilación anticipada, es posible que sepa que los Fondos de Beneficios ofrecen un plan de medicamentos con receta, cuidado de la vista y de la audición a los jubilados del Fondo Nacional de Beneficios de 55 años de edad o mayores con por lo menos 10 años de servicios y a los jubilados del Fondo de Beneficios de la zona metropolitana de Nueva York que tienen entre 62 y 65 años de edad y con por lo menos 25 años de servicios. A partir del 1 de enero de 2015, los Fondos de Beneficios están brindando un nuevo plan de beneficios de la salud para los que se jubilan anticipadamente y aún no son elegibles para Medicare, llamado Plan Dental Plus. Este nuevo plan incluye un beneficio dental ($3,000 al año para NBF y $1,200 al año para GNY); un plan de indemnización por hospitalización que paga $200 por día, durante 10 días, cada vez que es ingresado en un hospital; y un beneficio de cuidado de la vista. Hemos creado el nuevo Plan Dental Plus, de la misma manera que lo hicimos para nuestros miembros activos de la Clase de Salario y Elegibilidad III, para permitir que aquellos que se jubilan anticipadamente y que quieran comprar un plan médico en el nuevo Mercado de Seguros de Salud reciban un subsidio, si son elegibles, para ayudar a pagar por el plan. Como probablemente ya

sabe, bajo la Ley de Cuidado de Bajo Costo (ACA, por sus siglas en inglés) todos deben tener una “Cobertura esencial mínima” o se les aplica una multa. Debido a que el Plan de Medicamentos Recetados es considerado “Cobertura esencial mínima” según ACA, los que se jubilan anticipadamente no deberán pagar una multa, pero si eligen comprar un plan médico más completo en el Mercado de Seguros de Salud, no podrían tener acceso a un subsidio. En algunos casos, el subsidio fiscal puede reducir la prima mensual a cero. (Los que se jubilan anticipadamente que consideran que el Plan de Medicamentos Recetados puede funcionar mejor para ellos tienen una opción de una sola vez de cambiarse del Plan Dental Plus.) Por ello, si está programando una jubilación anticipada y tiene preguntas sobre el Plan Dental Plus o sobre su cobertura del Fondo de Beneficios, sírvase comunicarse con nuestro Centro de Servicios para Jubilados llamando al (646) 473-8666 y un representante tendrá mucho gusto en atenderlo. Para obtener información sobre la compra de un plan del Mercado de Seguros, puede comunicarse con nuestros socios de la Sociedad de Servicio Comunitario llamando por teléfono al (888) 614-5400 o visitar Enroll@CSSNY.org.

Actualización y Noticias sobre Beneficios

Mensaje de la Directora Ejecutiva

Evite los Costos a su Cargo Utilizando los Proveedores Participantes Como miembro de 1199SEIU, tiene acceso a miles de proveedores de atención de la salud dentro de la red del Fondo de Beneficios. Esto significa que puede evitar pagar costos innecesarios de su bolsillo cuando utiliza a los proveedores participantes. Los médicos que no están en la red pueden cobrar lo que quieran, que puede ser mucho más que la tasa de reembolso del Fondo, y usted tendrá que pagar el saldo total. Por ello acudir fuera de nuestra red para consultar a un proveedor no participante puede resultar en una cuenta médica costosa y evitable, así que debe asegurarse de que su médico, y cualquier proveedor a quien le derive, sea parte de nuestra red. s 0ARAENCONTRARUNPROVEEDORPARTICIPANTE VISITEwww.1199SEIUBenefits.org, y busque por especialidad, ubicación o red de hospital. Si necesita ayuda para elegir un proveedor de dentro de la red, solo tiene que llamar al Departamento de Servicios para los Miembros al (646) 473-9200 y uno de nuestros representantes le ayudará. s #UANDOHAGAUNACITACONCUALQUIERPROVEEDORDEATENCIØNDELASALUD DEBECONlRMARQUEEL proveedor aún participa en la red del Fondo. Esto también incluye a su médico de atención primaria, a su farmacia, a los cirujanos y anestesistas si necesita una operación, centros de imágenes o laboratorios si necesita radiografías u otras pruebas así como otras derivaciones o especialistas. Y si su médico le receta un medicamento, recuerde consultar la Lista de Medicamentos Preferidos (PDL, por sus siglas en inglés) en www.1199SEIUBenefits.org para asegurarse de que su medicamento esté totalmente cubierto.

PARA SU BENEFICIO

19


Asegúrese de Obtener Todo el Reintegro de Impuestos que le Corresponde con el Crédito Tributario por Ingresos del Trabajo Aproveche nuestro programa gratuito de asistencia para la preparación de la declaración de impuestos Durante años, el programa de asistencia para la preparación de la declaración de impuestos del Fondo de Beneficios de 1199SEIU ha estado disponible para ayudarle a solicitar el Crédito Tributario por Ingresos del Trabajo (Earned Income Tax Credit o “EITC”, por sus siglas en ingles) y a obtener la máxima devolución posible de impuestos. El programa ha atendido a miles de miembros, y en 2015, el Fondo se está asociando nuevamente con la Coalición EITC de la ciudad de Nueva York para ayudar a que su declaración de impuestos sea preparada con precisión y que su reembolso incluya todo aquello a lo que tiene derecho. La Coalición del Crédito Tributario por Ingresos del Trabajo (EITC Coalition) está dirigida por el Departamento de Asuntos del Consumidor de la Ciudad de Nueva York e incluye la Office of Financial Empowerment y el Food Bank For New York City.

1. 2. 3.

4. 5.

Si va a presentar una declaración conjunta con su cónyuge, ambos deben estar presentes. Un voluntario en la sede verificará su identidad, revisará sus ingresos y los documentos relativos a impuestos, y le ayudará a comenzar. Sus formularios y documentos serán transmitidos de manera segura a la sede de preparación de impuestos de Food Bank For New York City donde su declaración de impuestos será procesada por un preparador certificado de impuestos. Puede esperar una llamada del preparador de impuestos en tan solo 48 horas para revisar su declaración de impuestos y completar el proceso de presentación electrónica. Su declaración de impuestos será enviada por correo electrónico.

El programa de educación financiera sin fines de lucro llamado Ariva está ofreciendo asistencia gratuita en sedes en el Bronx. En la sede de Ariva del sur del Bronx, el ingreso de su hogar para 2014 debe ser inferior a $53,000 si tiene hijos dependientes, o inferior a $25,000 si es soltero y no tiene dependientes. En la sede de Ariva del noroeste del Bronx, el ingreso de su hogar para 2014 debe ser inferior a $56,000 si tiene hijos dependientes, o inferior a $25,000 si es soltero y no tiene dependientes. Si califica para el Crédito Tributario por Ingresos del Trabajo (EITC), los expertos en la preparación de las declaraciones de impuestos le ayudarán a solicitar el crédito. Incluso si no vive cerca de estos establecimientos, asegúrese de revisar la siguiente guía “Solicite Su Crédito Tributario por Ingresos del Trabajo” para saber si califica para el crédito antes de presentar su declaración.

20

www.1199SEIUBenefits.org

CONTENIDOS

INVIERNO 2014–15

ACTUALIZACION Y NOTICIAS SOBRE BENEFICIOS 19 Nuevo Plan Dental Plus para los que Se Jubilan Anticipadamente Evite los Costos a su Cargo Utilizando los Proveedores Participantes

Visite los Sitios de Food Bank For New York City y Ariva para Obtener Asistencia Gratuita con la Preparación de Impuestos Siempre que sus ingresos familiares en 2014 no hayan superado los $53,000 con dependientes (o $20,000 si está soltero y no tiene dependientes), nuestros socios del Food Bank For New York City están ofreciendo eventos gratuitos de preparación de la declaración de impuestos en los cinco distritos.Y este año, por primera vez, el Food Bank For New York City está ofreciendo un nuevo servicio:Virtual Volunteer Income Tax Assistance (Virtual VITA), [Voluntariado Virtual de Asistencia para la Preparación de la Declaración de Impuestos,VITA Virtual], para tener la conveniencia de una presentación electrónica en varios lugares. Sírvase visitar www.FoodBankNYC.org/News/Free-Income-Tax-Services-Locations para encontrar la sede que le quede más cercana. Usted es elegible para usar Virtual VITA si los ingresos de su hogar en 2014 fueron inferiores a $53,000 con dependientes o $20,000 sin dependientes. Así es como funciona:

Para Su Beneficio

20 Asegúrese de Obtener Todo el Reintegro

de Impuestos que le Corresponde con el Crédito Tributario por Ingresos del Trabajo

Solicite Su Crédito Tributario por Ingresos del Trabajo (EITC) Puede verificar si reúne los requisitos de ingresos para solicitar el Crédito Tributario por Ingresos del Trabajo (EITC, por sus siglas en ingles) utilizando las pautas de impuestos de 2014 que se indican a continuación: s

)NGRESOINFERIORA O SIESCASADO y presenta una declaración conjunta) con tres o más hijos dependientes

s

)NGRESOINFERIORA  SIESCASADO y presenta una declaración conjunta) con dos hijos dependientes

s

s

)NGRESOINFERIORA  SIESCASADO y presenta una declaración conjunta) con un hijo dependiente )NGRESOINFERIORA  SIESCASADO y presenta una declaración conjunta) sin hijos dependientes

21 Nuestra Línea de Ayuda de Enfermería Disponible las 24 Horas También Puede Ayudarle a Controlar y Prevenir las Enfermedades Crónicas Administre su Información de Salud Personal con “Mi Cuenta” (“My Account”) Nuestro Taller Prenatal Puede Ayudarla a Garantizar un Embarazo Saludable

PERFIL DEL MIEMBRO 22 Jeffrey Lee Después de un grave susto sobre su salud, Jeffrey Lee dejó los cigarrillos para siempre, y hoy está respirando más fácilmente.

VIDA SALUDABLE 24 ¡Deje de Fumar para Siempre!

COMER SALUDABLE 26 Un Giro Más Sano a sus Comidas Reconfortantes

27 Pruebe una Sopa Saludable y Fácil de Preparar

PROGRAMA DE SALUD PARA MANTENERSE EN FORMA 28 Los 5 Motivos Principales por los cuales los Ejercicios en el Invierno son Importantes

VENTAJAS DE LA MEMBRESIA 29 ¡Viva Saludablemente Durante Todo el

Año con el Calendario de Protección de Nuestra Salud de 2015! ¡Ya Está Disponible Nuestro Nuevo DVD de Ejercicios de Yoga/Pilates con la Banda de Resistencia de los Fondos de Beneficios de 1199SEIU!

30 ¿Va a Estudiar en la Universidad durante

el Año Académico 2015–2016? Pida la Solicitud para la Beca Joseph Tauber

31 Cupón de Elegibilidad para 2015 del

Programa de Campamento de Estadía Anne Shore para Niños de 9 a 15 Años

Deje de fumar y comience a vivir

25 Comience el Año Nuevo de Manera

Saludable en nuestro Taller de Bienestar del 24 de Enero

Espere recibir por correo su folleto de información sobre el Crédito Tributario por Ingresos del Trabajo (EITC), visite nuestro sitio web en www.1199SEIUBenefits.org, o llame al Fondo de Beneficios al (646) 473-9200.

El Fondo Nacional de Beneficios se considera un “plan de salud de derechos adquiridos” en virtud de la Ley de Cuidado de Salud a Bajo Precio. Según lo permite la Ley de Cuidado de Salud a Bajo Precio, un plan de salud de derechos adquiridos puede conservar cierta cobertura básica de salud que ya estaba vigente cuando se promulgó la ley. Ser un plan de salud de derechos adquiridos significa que este plan puede no incluir ciertas protecciones al cliente de la Ley de Cuidado de Salud a Bajo Precio que pueden aplicarse a otros planes, por ejemplo, el requisito de un proceso de revisión externo para las apelaciones de reclamos. Sin embargo, bajo la Ley de Cuidado de Salud a Bajo Precio los planes de salud de derechos adquiridos deben cumplir con otras protecciones determinadas para el consumidor, por ejemplo, la eliminación de los límites de por vida de los beneficios. Las preguntas relativas a qué protecciones se aplican y cuáles no se aplican a un plan de salud de derechos adquiridos y que podrían hacer que un plan cambie del estatus como plan de salud de derechos adquiridos pueden dirigirse al Fondo llamando al (646) 473-9200. También puede comunicarse con la Administración para la Seguridad de los Beneficios del Empleado del Departamento de Trabajo de los EE. UU. llamando al (866) 444-3272 o al www.dol.gov/ebsa/healthreform. Este sitio web tiene una tabla que resume las protecciones que se aplican y no se aplican a los planes de salud de derechos adquiridos.

FOR YOUR BENEFIT

17


!..%3(/2%3,%%0 !7!9#!-002/'2!-s%,)')"),)49#/50/. Please print clearly in ink. Member Information: â?’ National Benefit Fund (NBF)

â?’ Greater New York Child Care Fund (GNY) â?’ NBF Rochester-Area Members

Member’s Last Name _________________________ First Name __________________________ Member ID No. ____________________ (Required, SSN not accepted)

Address _____________________________________________________________________________ Apt. No. _________________ City ______________________________________________________________ State _________________ Zip __________________ Home Phone _________________________ Cellular Phone ________________________ Work Phone ______________________ Ext. _____ Employed at __________________________________________________________________________________________________ Child’s Last Name _____________________________________ First Name ____________________________ Date of Birth ____________ Has your child used this benefit in the past? � YES � NO If yes, which camp did your child attend? __________________________________ Member Email Address __________________________________________________________________________________________ Complete this form in its entirety and return it before January 30, 2015. Mail it to: 1199SEIU Child Care Corporation, Anne Shore Sleep-Away Camp Program, PO Box 955, New York, NY 10108-0955. You may also fax this form to the attention of the Anne Shore Sleep-Away Camp Program at (646) 473-8311. A separate coupon must be submitted for each individual child.

2015 Anne Shore Sleep-Away Camp Program for

Children Ages 9 to 15 Years Each year, the Anne Shore Sleep-Away Camp Program sends more than 800 children of 1199SEIU members to three- and four-week sleep-away camps throughout the Northeast – at minimal cost to their parents. To apply for sleep-away camp, simply fill out the coupon above and return it to the 1199SEIU Child Care Corporation before January 30, 2015. If your child is eligible, our program staff will contact you to schedule an appointment to attend a mandatory orientation in order to select the camp that best suits your child’s needs and interests. You are required to submit a $10 non-refundable application fee, which must be paid at orientation. Please contact the Anne Shore Camp Program at (646) 473-8310 or at AnneShoreCampProgram@1199Funds.org for more information. 4HISSUMMERPROGRAMISATHREE TOFOUR WEEKSLEEP AWAYCAMP4HISAPPLICATION)3./4FORDAYCAMP

.UESTRA,Ă“NEADE!YUDADE%NFERMERĂ“A$ISPONIBLELAS(ORAS

TambiĂŠn Puede Ayudarle a Controlar y Prevenir las Enfermedades CrĂłnicas Probablemente usted sabe que la LĂ­nea de ayuda de enfermerĂ­a disponible las 24 horas de 1199SEIU estĂĄ a su alcance las 24 horas del dĂ­as, 7 dĂ­as a la semana, para esos momentos en los que no estĂĄ seguro acerca de un medicamento o si su hijo no se estĂĄ sintiendo bien en medio de la noche. Pero no se olvide de que la LĂ­nea de enfermerĂ­a tambiĂŠn es una buena forma de ayudarle a controlar la diabetes o las enfermedades cardĂ­acas, o mejor aĂşn, de ayudarle a prevenir que las seĂąales de aviso le provoquen cualquiera de las enfermedades. Simplemente llame al (866) 935-1199 y hable con un entrenador de salud personal quien trabajarĂĄ con usted para crear un plan especĂ­fico y establecer metas alcanzables. Estos profesionales capacitados, conjuntamente con su mĂŠdico, le mostrarĂĄn en quĂŠ medida los cambios en su dieta y rutina de ejercicios pueden significar mejoras dramĂĄticas en su salud. TambiĂŠn estarĂĄn presentes para apoyarlo en cada paso del proceso, asĂ­ que asegĂşrese de utilizar las herramientas a su disposiciĂłn: ÂĄLlame a nuestra LĂ­nea de Ayuda de EnfermerĂ­a hoy mismo AL  YOBTENGALASRESPUESTASYELAPOYOQUENECESITAPARATENERĂ?XITO

Administre su InformaciĂłn de Salud Personal con

“Mi Cuenta�

(“My Account�)

Desde que su Fondo de Beneficios introdujo por primera vez “Mi Cuentaâ€?, mĂĄs de 70,000 miembros han creado sus propias cuentas de informaciĂłn personal para administrar por Internet su informaciĂłn personal de beneficios de salud en la conveniencia y privacidad de sus hogares.

Con “Mi Cuenta�, usted puede:

s #AMBIARSUDIRECCIĂ˜N s !VERIGUARELESTATUSDEUNARECLAMACIĂ˜N s 3OLICITARUNANUEVATARJETADEIDENTIlCACIĂ˜N para Beneficios de Salud s #OORDINARLOSBENElCIOSDESUCĂ˜NYUGE s )NSCRIBIRSEPARALOSBENElCIOSOFRECIDOSPOR el Fondo de Cuidado Infantil del Empleador/1199SEIU

PrĂłximamente FOR OFFICE USE ONLY â?’ NBF

â?’ GNY

Eligibility: â?’ YES

â?’ NBF ROCHESTER â?’ NO

If no, reason: _________________________________

Eligibility Verification Date: ________________________________________________ Date Received

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Verified by: ___________________________________________________________

Pronto el sistema permitirĂĄ que inscriba a sus dependientes elegibles y tambiĂŠn que solicite un cĂĄlculo de la pensiĂłn en lĂ­nea. TambiĂŠn podrĂĄ ver “Mi Cuenta al Pasoâ€? en su telĂŠfono inteligente. Para obtener informaciĂłn adicional o establecer su cuenta de informaciĂłn personal, visite www.1199SEIUBenefits.org y haga clic en “Mi Cuentaâ€? en la pĂĄgina inicial.

Nuestro Taller Prenatal Puede Ayudarla

a Garantizar un Embarazo Saludable El 7 de marzo, Ăşnase a otros futuros padres en nuestro siguiente Taller Prenatal del Departamento de Bienestar, donde recibirĂĄ informaciĂłn importante sobre cĂłmo mantenerse saludable durante el embarazo y despuĂŠs de que nazca su hijo/a, cĂłmo prepararse para la fecha de parto y quĂŠ puede esperar durante la labor de parto y el alumbramiento. Tanto si es su primer hijo como si es el tercero, tambiĂŠn aprenderĂĄ cĂłmo tener un embarazo saludable con menos complicaciones.

ÂĄSu pareja serĂĄ bienvenida tambiĂŠn!

QuĂŠ:

Taller Prenatal

CuĂĄndo:

SĂĄbado, 7 de marzo de 2015 De 10:00 am a 2:30 pm

DĂłnde:

330 West 42nd Street, 0ISO0ENTHOUSE

Para reservar su lugar, llame al (646) 473-8960, opciĂłn 2, opciĂłn 2. Si no puede asistir al taller en persona, sĂ­rvase llamarnos al (646) 473-8962 para obtener informaciĂłn sobre cĂłmo asistir por WebEx por medio de su computadora. Ofrecido por Worksite Medical Services, P.C.

PARA SU BENEFICIO

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Perfil del Miembro

Jeffrey Lee Después de un grave susto sobre su salud, Jeffrey Lee dejó los cigarrillos para siempre, y hoy está respirando más fácilmente. Durante cuatro largos días en junio de 2012, Jeffrey Lee estuvo postrado en la cama de un hospital en Brooklyn y pensó sobre cuánto se estaba poniendo en riesgo si seguía fumando. Con solo 55 años de edad en ese momento, felizmente casado con su esposa, Janine, quien es un Coordinador de Ayuda para los Fondos de Beneficios, y orgulloso padre de su hija de 16 años, Janay, estaba aterrorizado de pensar que no sería parte de sus vidas. Pero ahí estaba, recuperándose de un ataque al corazón en la unidad cardíaca del Long Island College Hospital después de ser llevado a la sala de emergencias. “Fue una experiencia traumática que me asustó mucho”, dijo. “Y no había la menor duda de por qué sufrí un ataque al corazón: era porque fumaba cigarrillos”. Jeffrey, un Auxiliar de Atención Personal en el Hospital Mount Sinai/Beth Israel, había estado fumando cerca de un paquete de cigarrillos al día durante casi 30 años, pero ahora estaba decidido a parar. Los dos meses de su recuperación estrictamente supervisada luego de su ataque al corazón le ayudaron a evitar la mayoría de los detonadores que podrían hacerlo fumar, dijo, ya que estuvo la mayoría de su tiempo ya sea en su hogar o en un establecimiento de atención de la salud visitando a un médico. Pero además de curar su corazón y estabilizar su salud en medida suficiente para regresar al trabajo, ocurrieron dos cosas. “Finalmente me di cuenta de que cada bocanada había estado poniendo en peligro mi salud, aunque me sentía bien antes de mi ataque al corazón”, dijo Jeffrey. “Pero lo más importante, me di cuenta de que podía dejarlo, estaba viviendo sin cigarrillos, y me sentía bien”. Al trabajar en una unidad de desintoxicación y dependencia química del hospital, Jeffrey vio lo difícil que era para los pacientes luchar contra la adicción y dice que piensa humildemente que su experiencia podría servir como un poderoso ejemplo. “Le digo a la gente que en mi mente, yo pensaba que me preocupaba por la salud aunque fumaba, jugaba baloncesto cada semana, consideraba que comía bastante bien e incluso había perdido un poco de peso”, dijo. “Había bloqueado el hecho de que fumar me ponía en un

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riesgo mucho mayor de sufrir un ataque al corazón o un derrame cerebral”. La experiencia fue un momento trascendental en la vida de Jeffrey, y en los últimos dos años y medio no solo ha dejado de fumar, sino que se ha vuelto más consciente de su salud en general. Camina cerca de tres veces por semana, dijo, y utiliza una máquina elíptica en su hogar. Una molesta lesión en la cadera ha limitado su tiempo en la cancha de baloncesto, pero no se queja. “Hay que reconocer que es un juego para jóvenes”, dijo riendo. “Tengo 58 años de edad y aparte de querer bajar unas cuantas libras, me siento bien”. Recalcó que ha sido difícil seguir sin fumar, o evitar reemplazar refrigerios por los cigarrillos, pero que se ha vuelto más fácil con el transcurrir del tiempo. No utilizó productos ni medicamentos para dejar de fumar, pero dice que toda persona que piense en dejar de fumar debe utilizar lo que necesite para hacerlo, como parches de nicotina, goma de mascar o medicamentos. El cardiólogo de Jeffrey le dijo que además de dejar de fumar tenía que cambiar su dieta con el fin de que su corazón se cure y recupere sus fuerzas. Por ello comenzó a cocinar a la parrilla y a hornear sus comidas de pollo, pescado y camarones en lugar de freírlas; comenzó a comer fruta fresca y verduras en lugar de papitas fritas, pretzels u otros alimentos de refrigerio no saludables; y a beber agua en lugar de gaseosas. Sorpresivamente descubrió que comer saludable reducía sus deseos de fumar, elevaba su confianza y le ayudaba a permanecer sin fumar. Por supuesto, ahora que sus papilas gustativas están funcionando nuevamente, necesita cuidar sus porciones y evitar los refrigerios impulsivos, especialmente cuando trabaja en su turno usual de 11:00 pm a 7:00 am. Pero es un pequeño sacrificio, dijo, especialmente cuando recuerda dónde estaba hace menos de tres años. “Soy afortunado de tener beneficios de salud que me permiten estar al tanto de mi estado físico, y he tomado medidas para cambiar y hacer lo correcto”, dijo. “No ha habido un daño permanente a mi corazón. Ahora el resto es mi responsabilidad”.

Attending College in Academic Year 2015–2016?

Request the Joseph Tauber Scholarship Application The Joseph Tauber Scholarship Program provides scholarships to children of eligible 1199SEIU members who are attending accredited undergraduate programs. Eligible members are those whose employers contribute to the National Benefit Fund or the Greater New York Child Care Fund. Members must have received Wage Class I benefits for at least one year. Candidates must be high school graduates, postsecondary school students or previous awardees enrolled full time for a minimum of 12 college credits each semester. All candidates must be younger than 23 years of age by September 1, 2015. Previous awardees seeking scholarship support should note that automatic award renewals are not granted; you must reapply each year for consideration.

To request an application for the Joseph Tauber Scholarship Program, complete the application request form below and submit it before January 31, 2015. You may only submit one application request form per child. If both parents are 1199SEIU employees, choose one parent to submit on behalf of the child. If you need additional forms, you may download them by visiting our website at www.1199SEIUBenefits.org/ccf during the application request period. Please note that this application request form is NOT an actual application; it is valid for the 2015–2016 award year only. Fax your completed request form to (646) 473-6949 or mail it to: 1199SEIU Child Care Corporation, Joseph Tauber Scholarship Program, 330 West 42nd Street, 18th Floor, New York, NY 10036-6977. Once you submit the form as instructed, if eligible, you will be sent a Scholarship Application Kit in March. The Kit includes several forms that must be completed and returned per the specific instructions and by the dates indicated, in order for consideration. Scholarship award amounts vary according to need, with a yearly minimum award of $750. While Joseph Tauber Scholarships can support eligible students in any field of study, the 1199SEIU Next Generation RN Scholarship Program provides financial and academic assistance to children of 1199SEIU members in the clinical phase of a nursing program. To find out if your child qualifies, or if you have any questions, please call (646) 473-8999.

*/3%0(4!5"%23#(/,!23()002/'2!-sn!00,)#!4)/.2%15%34&/2Student Information (please print clearly in ink) Student Name ________________________________________________________________________________________________ First name

Last name

Date of Birth ___________________________________________________ Current Age ____________________________________ Email Address ________________________________________________________________________________________________ Date graduated from, or expected to graduate from high school ____________________ College Entrance Date _______________________ First-time Joseph Tauber Scholarship Program applicant?

❒ Yes

❒ No

Member Information (please print clearly in ink) Member Name ________________________________________________________________________________________________ First name

Last name

Member ID# __________________________________________________________________________________________________ Home Phone __________________________________________ Cellular Phone ____________________________________________ Address ______________________________________________________ City _____________________ State _____ Zip __________ Email Address ________________________________________________________________________________________________ ❒ National Benefit Fund (NBF)

❒ Greater New York Child Care Fund

❒ NBF Rochester-Area Members

❒ LPN Welfare Fund

Your application request form must be received by the Scholarship Department before January 31, 2015, in order for us to send you an official Scholarship Application Kit. If you have not received your Scholarship Application Kit by April 1, 2015, please call us at (646) 473-8999. A receipt will be sent once we receive and enter this request for application form.

FOR YOUR BENEFIT

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Our 24-Hour Nurse Helpline

Can Also Help You Control and Prevent Chronic Conditions You probably know that the 1199SEIU 24-Hour Nurse Helpline is available 24 hours a day, 7 days a week for those times when you’re not sure about a medication or your child isn’t feeling well in the middle of the night. But don’t forget that the Nurse Helpline is also a good way to help you manage diabetes or heart disease, or better yet, prevent warning signs from leading to either condition. Just call (866) 935-1199 and talk to a personal health coach who will work with you to develop a specific plan and set achievable goals. These trained professionals, along with your doctor, will show you how changes in your diet and exercise routine can make dramatic improvements in your health. They’re here to support you every step of the way, so make sure you use the tools available to you: #ALLOUR.URSE(ELPLINETODAYAT  ANDGETTHEANSWERSANDTHE SUPPORTYOUNEEDTOSUCCEED

Manage Your Personal Health Information with

“My Account” Since your Benefit Fund first introduced “My Account,” more than 70,000 members have created their own personal information accounts to manage their personal health benefit information online in the convenience and privacy of their homes.

With “My Account,” you can: s s s s s

#HANGEYOURADDRESS &INDOUTTHESTATUSOFACLAIM 2EQUESTANEW(EALTH"ENElTS)$#ARD #OORDINATEYOURSPOUSESBENElTS 2EGISTERFORBENElTSOFFEREDBYTHE 1199SEIU/Employer Child Care Fund

Coming Soon Soon the system will allow you to enroll your eligible dependents and request a pension estimate online as well. You’ll also be able to view “My Account on the Go” on your smartphone. For more information or to set up your personal information account, please visit www.1199SEIUBenefits.org and click on “My Account” on the homepage.

Our Prenatal Workshop Can Help

Ensure You Have a Healthy Pregnancy Join other expectant parents at our Wellness Department’s next Prenatal workshop on March 7, where you’ll get important information about how to stay healthy during pregnancy and after your child is born, how to prepare for your due date and what to expect during labor and delivery. Whether it’s your first child or your third, you’ll also learn how to have a healthy pregnancy with fewer complications.

Partners are welcome!

What:

Prenatal workshop

When:

Saturday, March 7, 2015 10:00 am to 2:30 pm

Where:

330 West 42nd Street 33rd&LOOR0ENTHOUSE

To reserve your spot, please call (646) 473-8960, Option 2, Option 2. If you are unable to attend the workshop in person, please call us at (646) 473-8962 for information about attending by WebEx via your computer. Provided by Worksite Medical Services, P.C.

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“Finalmente me di cuenta de que cada bocanada había estado poniendo en peligro mi salud, aunque me sentía bien antes de mi ataque al corazón”, dijo Jeffrey. “Pero lo más importante, me di cuenta de que podía dejarlo, estaba viviendo sin cigarrillos, y me sentía bien”.

¿Tiene una historia saludable que compartir? Siempre estamos buscando la oportunidad de destacar a los miembros que protegen su salud perdiendo peso, dejando de fumar, manteniendo bajo control una enfermedad crónica o simplemente mejorando su estilo de vida en general. Si usted ha implementado cambios positivos en su salud, o si recién lo está comenzando a hacer, ¡queremos tener noticias suyas! Para compartir su historia con sus compañeros miembros en un número futuro de Para su Beneficio, contacte al Fondo en: Communications@1199Funds.org.

PARA SU BENEFICIO

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Vida Saludable

Deje de fumar y comience a vivir

Live Healthfully All Year Long with the 2015 Protecting Our Health Calendar! The Benefit Fund’s 2015 Protecting Our Health calendar is available now! In it you’ll find a year’s worth of nutrition, fitness and lifestyle tips to help you and your family make healthy choices.You’ll also find monthly reminders about the Fund’s wellness events and resources that are available to you.You can get your calendar at any of the Wellness Department’s health fairs, wellness workshops or other events. So get yours today – and start living healthfully now!

Si es un fumador, probablemente conoce todos los motivos para dejar de fumar, pero también probablemente sabe lo difícil que es dejar el hábito para siempre. No importa su edad ni cuánto tiempo ha fumado, vale la pena dejar de fumar. Además de reducir la probabilidad de sufrir una enfermedad cardíaca, cáncer de pulmón, derrame cerebral y enfisema, dejar de fumar también protege a sus seres queridos de los dañinos efectos del humo de segunda mano. Dejar de fumar podría incluso agregarle años de vida: Un estudio reciente publicado en el The New England Journal of Medicine descubrió que los fumadores que dejaban de fumar vivían por lo menos seis años más que las personas que continuaban fumando. Podría ayudar saber que si está tratando de dejar de fumar, no está solo. La buena noticia es que desde 2002, existen más fumadores que han dejado el vicio que fumadores actuales en los Estados Unidos.Y así como los millones que han dejado de fumar, usted también lo puede hacer con la planificación y el apoyo adecuado. Pruebe estos consejos y estrategias para ayudarle a dejar de fumar de una vez por todas.

Escriba sus Motivos para Dejar de Fumar Prepare una lista de sus motivos para dejar de fumar, incluidos los nombres de los miembros de su familia y amigos de cuya compañía desea disfrutar en los años venideros. También fíjese unas metas personales, tal como poder subir escaleras sin que le falte el aire o realmente disfrutar del sabor de las comidas que ama nuevamente. Agregue fotos de sus seres queridos y otros retratos motivacionales, y ponga la lista en un lugar donde la vea con frecuencia. Fije y Anuncie su Fecha para Dejar de Fumar Parece simple, pero escoger una fecha para dejar de fumar definitivamente es importante. Su fecha para dejar de fumar podría tener un significado especial, tal como un cumpleaños o un aniversario, para que le ayude a recordar sus metas. Una vez que se ha decidido, dígales a sus amigos y familiares sobre su plan para que le apoyen. ¿Cómo? Pídales que mantengan sus actividades conjuntas en un ambiente

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sin fumar o que le ayuden a encontrar distracciones saludables cuando quiera un cigarrillo.

Identifique y Evite los Detonadores Asegúrese de deshacerse de los cigarrillos, encendedores, ceniceros y todos los otros objetos que asocia con fumar. Evitar la gente y las situaciones que desencadenan su deseo de fumar puede ser difícil, pero la planificación hace la diferencia. Por ejemplo, lleve consigo un paquete de chicle para mascar después de las comidas, durante los descansos en el trabajo y en otras oportunidades en que estaba acostumbrado a fumar.También puede planificar otras cosas para hacer cuando sienta la urgencia de encender un cigarrillo, tal como llamar a un amigo, escuchar música o acudir a un lugar donde no se pueda fumar como por ejemplo una tienda o una sala de cine. Muévase Una de las mejores formas de evitar el deseo de fumar, y evitar ganar el aumento de peso que se asocia a veces con dejar de fumar, es el ejercicio. De hecho, un estudio publicado en el Journal of Smoking Cessation demostró que los fumadores que hacían ejercicios durante tan solo 15 minutos al día tenían un 55 por ciento más de probabilidades de dejar de fumar, y un 43 por ciento de menos probabilidades de volver a comenzar a fumar, que aquellos que eran inactivos. Por ello camine antes de trabajar, durante su descanso para almorzar o después de la comida, o mejor aún, ¡haga los tres!

Membership Advantages

¡Deje de Fumar para Siempre!

Our New 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout Is Here! New for 2015, we’ve created a fun and energizing Yoga/Pilates resistance band workout that you can do right in the comfort of your home. With our new 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout DVD, in 15 to 20 minutes a day, you’ll complete a variety of yoga and Pilates moves that target all your major muscles, especially your core muscles (abdominals and back muscles). The DVD has workouts for three fitness levels – Beginner, Intermediate and Advanced – so you can choose the one that works best for you. The 1199SEIU Benefit Funds’ fitness coach, Foluke Arthurton,* takes you through the workout, and the DVD comes with a resistance band and has everything you need to get started.You can get your DVD at our “Keep Your New Year’s Resolution” workshop on January 24 (see page 9) and at wellness events throughout the year. *

Contracted through Worksite Medical Services, P.C.

FOR YOUR BENEFIT

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Healthy Fitness

5

The Top 5 Reasons Winter Workouts Matter

During the winter months, it’s easy to want to hibernate from your workout routine – especially when temperatures take a nosedive. But sticking to your exercise schedule throughout the season can provide a wide range of health benefits. Need more convincing? Here are just a few reasons why winter workouts are so important.

1. They boost your immune system. According to the National Institutes of Health, exercise – including a moderate daily walk – can improve your immune system and increase your body’s defenses against infections and even the common cold and flu. A study in the journal Nature Reviews Immunology found the immune-building power of regular exercise may even play a role in reducing your risk of heart disease and cancer, in part by reducing inflammation in the body. 2. They help prevent weight gain. With all the rich holiday meals and comfort foods of the season, regular exercise can help you avoid putting on extra pounds. Even if you miss a workout or two, just get back on track the next day. Recording your workouts – and your progress – in your 1199SEIU Benefit Fund Food & Fitness Journal can help keep you motivated. 3. They can lighten your mood. Whether or not you get the “winter blues,” just being exposed to fewer hours of daylight and spending more time indoors can affect your mental well-being. Exercise helps reduce feelings of anxiety and depression by releasing feel-good brain chemicals called endorphins. 4. They help you stay strong. If the weather keeps you from enjoying your regular outdoor activities, strength training indoors can help prevent not only loss of muscle tone but bone loss as well, protecting you from osteoporosis-related fractures. Strengthening muscles improves your balance and coordination, helping you perform everyday physical tasks without discomfort or pain. 5. They help make healthy habits a way of life all year round. Taking time off from exercise now will just make it harder to start up again when the weather warms up. Instead, make exercise part of your everyday life, no matter what the weather has in store for you. Take your walks in a local mall when it’s too cold to walk outside, try a group exercise class at your local gym or work out at home with an exercise DVD (like the new 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout DVD). By exercising yearround, you’ll stay committed to – and be more likely to achieve – your weight loss and exercise goals. Sources: Mayo Clinic; National Institutes of Health; Nature Reviews Immunology

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Busque Ayuda Profesional Si la Necesita No tenga miedo de pedir a su médico consejos para dejar de fumar. Recuerde también que el Fondo de Beneficios está aquí para ayudarle. Solo tiene que llamar al (866) 935-1199 para hablar con un Entrenador de Salud de 1199SEIU quien colaborará con usted para crear un plan y cumplirlo.Vea “Su Fondo está Aquí para Ayudarle” a continuación. Celebre los Hitos Veinte minutos después de su último cigarrillo, su ritmo cardiaco baja a un nivel normal.Y un año después de que deja de fumar, se reduce a la mitad su riesgo de contraer una enfermedad cardíaca. Asegúrese de celebrar estas y otras victorias en su camino a lograr estar libre de fumar. ¿Por qué no se complace con algo especial con el dinero que habría gastado en cigarrillos?

Su Fondo está Aquí para Ayudarle Para tener un entrenamiento individual que le ayude a dejar de fumar, llame a la Línea de ayuda de enfermería del Fondo de Beneficios al (866) 935-1199 para que le conecte con un entrenador de salud personal quien colaborará con usted para desarrollar un plan y trazar metas realistas. Nuestros entrenadores de salud también le pueden ayudar si necesita perder peso o controlar una afección crónica. Le dirán cuáles son las formas más efectivas de comer saludable mientras todavía disfruta de las comidas que le gustan, y reducir su riesgo de tener problemas de salud relacionados con el peso tal como la diabetes de Tipo 2 y las enfermedades cardíacas. Por ello debe obtener el apoyo que necesita para alcanzar sus metas de salud, ¡y llame hoy MISMOAL   Fuentes: Sociedad Americana del Cáncer; Centros para el Control y la Prevención de Enfermedades; Journal of Smoking Cessation; Instituto Nacional del Cáncer;The New England Journal of Medicine; Federación Mundial del Corazón

Comience el Año Nuevo de Manera Saludable en Nuestro Taller de Bienestar del 24 de Enero Si se ha comprometido a vivir de manera más saludable en 2015, el Fondo de Beneficios le puede ayudar a permanecer comprometido con sus metas. Únase a sus compañeros miembros el sábado 24 de enero en nuestro taller “Cumpla con Su Resolución de Año Nuevo”* del Departamento de Bienestar donde obtendrá consejos sobre alimentación saludable, acondicionamiento físico y reducción del estrés. En nuestro seminario de nutrición, un dietista registrado tratará sobre las dietas que han probado alargar las vidas de las personas, y compartirá las comidas que puede comer para elevar la potencia de su cerebro. Nuestro taller de control del estrés brindará consejos para reducir el estrés en el hogar y en el trabajo. Para finalizar el día, puede participar en una clase de aeróbicos para todas las edades, asegúrese de usar ropa cómoda, y traiga a toda la familia. Como un bono adicional, todos los participantes en el taller recibirán el DVD Ejercicios para Yoga/Pilates con Banda de Resistencia de los Fondos de Beneficios de 1199SEIU y una banda de resistencia así como una copia del calendario Protección de Nuestra Salud de 2015 del Fondo. Por ello únase a nosotros el 24 de enero, ¡y aprenda cómo hacer que los cambios saludables duren toda la vida! Qué: Taller “Cumpla con Su Resolución de Año Nuevo” Cuándo: Sábado 24 de enero de 2015 de 10:00 am a 2:00 pm Dónde: 330 West 42nd Street, Piso 33 (Penthouse) Para reservar su lugar, llame al (646) 473-8960, opción 2, opción 1. El estacionamiento validado de $13 estará disponible al frente en Impark, y se brindará cuidado infantil para los niños de 3 años y mayores. *Ofrecido por Worksite Medical Services P.C.

PARA SU BENEFICIO

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Comer Saludable

Un Giro Más Sano a sus Comidas Reconfortantes Durante los meses de invierno, y en especial alrededor de las fiestas, tendemos a elegir esas comidas reconfortantes y que encontramos en las reuniones familiares y las celebraciones festivas. Aunque los alimentos como la lasaña, el pollo frito, el pastel de carne y el puré de papas, y el arroz y frijoles sean deliciosos, una dieta fija con ellos puede agregar grasa y calorías adicionales – aportando libras adicionales y haciéndole sentirse aletargado. Hemos reunido algunos de los mejores consejos para hacer más saludables sus comidas favoritas que reconfortan, eliminando grasas y calorías.

Simple Swaps You can slash the fat and calories in your favorite comfort foods by trading some of the high-fat ingredients like butter, or other sources of saturated fat, for leaner or no-fat items. To cut the fat in your favorite meat loaf and mashed potato recipe, use lean ground beef and swap out at least half of the butter in the mashed potatoes with low-sodium chicken broth or low-fat plain yogurt.You can also reduce the amount of fat in sweets like cakes and brownies by substituting ¼ cup of apple sauce for ¼ cup of oil or butter.

Try a Healthy, No-Fuss Soup Your mother was right: Soup is good for you, especially when it’s made with lean protein and plenty of high-fiber vegetables. Here is a healthy and delicious recipe to try.

Cook It Lean

Pumpkin and White Bean Soup

While the satisfying crunch of crispy fried chicken and onion rings may warm your heart, the extra fat in these foods is far from heart-friendly. For a great-tasting alternative with a fraction of the fat and calories, try oven-“fried” chicken tenders.You can find a recipe for it, along with many other low-fat, great tasting recipes, at the United States Department of Agriculture’s What’s Cooking? website at www.WhatsCooking.fns.usda.gov. Roasting is another good cooking method, especially for vegetables. With just a touch of olive oil, the natural sweetness in root vegetables like Brussels sprouts, carrots and potatoes comes out. Slow-roasted lean meats, like turkey breast, is another healthy option.

Ingredients 1 15-ounce can of small white beans* 1 small onion (finely chopped) 1 cup water 1 15-ounce can of pumpkin puree** 1 ½ cups apple juice ½ teaspoon cinnamon ½ teaspoon black pepper ¼ teaspoon salt 1/8 teaspoon nutmeg, allspice or ginger (optional)

Rethink Your Plate Portion control is about knowing what you really love to eat – and then eating it in moderation – along with lots of healthy vegetables. To make portion control easier, fill half of your plate with vegetables like salad, sautéed spinach or roasted veggies. Then fill a quarter of your plate with your favorite comfort food (like macaroni and cheese or rice and beans) and the remaining quarter with lean protein (like roasted chicken breast, broiled fish or a turkey burger).

Lose the Guilt The good news is that not all comfort foods are necessarily high in fat and calories. On a cold morning, warm up with a bowl of oatmeal sprinkled with raisins and a touch of brown sugar. Soothe your throat with some homemade chicken noodle soup. A brown rice and guacamole burrito is both a filling meal and a good source of fiber and healthy fats. So this holiday season, instead of saying no to your favorite comfort foods, give them a healthy makeover!

*

You can also buy dried beans and soak them according to package directions.

**For fresh pumpkin puree, cut a medium-sized pumpkin in half and

discard the stem and stringy pulp. In a shallow baking dish, place the two halves facedown, cover with foil and bake in a 375-degree oven for about 90 minutes or until tender. Let pumpkin cool, then scoop out flesh and puree or mash it.

Preparation Mash the white beans, onion and water with a fork or blender until smooth. Set aside. In a large pot, add the pumpkin puree, apple juice, cinnamon, black pepper and salt. If using nutmeg, allspice or ginger, add that too. Stir. Add the bean mixture to the pot. Cook over low heat for 15 to 20 minutes, until warmed through. Makes 6 servings Per serving: 140 calories, 1g fat, 7g fiber, 420 mg sodium Recipe adapted from the U.S. Department of Agriculture website.

Sources:Centers for Disease Control and Prevention; U.S. Department of Agriculture

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FOR YOUR BENEFIT

11


Healthy Eating

A Healthy Spin on Comfort Foods During the winter months, and especially around the holidays, we tend to reach for those familiar comfort foods found at family gatherings and holiday celebrations. As delicious as foods like lasagna, fried chicken, meat loaf and mashed potatoes, and rice and beans are, a steady diet of them can add up to extra fat and calories – adding extra pounds and making you feel sluggish. We’ve rounded up some of the best tips for lightening up your favorite comfort meals that will help you keep the comfort but lose the fat and calories.

Cambios Sencillos Puede eliminar las grasas y las calorías de sus comidas favoritas reconfortantes cambiando por ingredientes magros o sin grasas algunos de los ingredientes con alto contenido en grasas como la mantequilla, u otras fuentes de grasas saturadas. Para reducir las grasas en su receta favorita de pastel de carne y puré de papas, utilice carne de res magra e cambie por lo menos la mitad de la mantequilla con caldo de pollo con bajo contenido de sodio o con yogurt regular bajo en grasas. También puede reducir la cantidad de grasas en los dulces como los queques y los brownies sustituyendo ¼ de taza de aceite o mantequilla por ¼ de taza de puré de manzana.

Cocine sin Grasa Si bien el satisfactorio sabor del pollo frito crujiente y los anillos de cebolla le puede encantar, la grasa adicional de estos alimentos está muy lejos de ser saludable para el corazón. Para lograr una alternativa muy sabrosa con una fracción de las grasas y calorías, pruebe pechuguitas de pollo “fritas” al horno. Puede encontrar la receta, junto con muchas otras recetas sabrosa con bajo contenido de grasas, en el sitio web What’s Cooking? (¿Qué está cocinando?) en www.WhatsCooking.fns.usda.gov del Departamento de Agricultura de los Estados Unidos (United States Department of Agriculture, USDA). Asar a la parrilla es otro método bueno, especialmente para las verduras. Tan solo un toque de aceite de oliva, hace brotar la dulzura natural en alimentos como los repollitos de Bruselas, las zanahorias y las papas. Otra opción saludable son las carnes magras asadas a fuego lento, como la pechuga de pavo.

Vuelva a Pensar en Su Plato Controlar las porciones se trata de saber lo que realmente le gusta comer, y luego comerlo en moderación junto con muchas verduras saludables. Para hacer más fácil el control de las porciones, llene la mitad de su plato con verduras como ensalada, espinacas salteadas o verduras asadas. Luego lleno un cuarto de su plato con su comida favorita reconfortante (como macarrones con queso o arroz y frijoles) y llene el cuarto restante con una proteína magra (como pechuga de pollo asada, pescado asado o una hamburguesa de pavo).

Deje la Culpa La buena noticia es que no todos los alimentos de comida reconfortante tiene un alto contenido de grasas y calorías. En una mañana fría, caliéntese con un tazón de avena salpicado de pasas y un toque de azúcar morena. Alivie su garganta con algo de sopa de pollo con fideos hecha en casa. Un burrito de arroz integral con guacamole es tanto una comida que llena como una buena fuente de fibra y de grasas saludables. Así que esta temporada de fiestas, en vez de decir que no a sus comidas reconfortantes favoritas, ¡deles una transformación saludable!

Pruebe una Sopa Saludable y Fácil de Preparar Su madre tenía razón: la sopa es buena para usted, especialmente cuando está hecha con proteína magra y verdura con alto contenido de fibra. Aquí tiene dos recetas saludables y deliciosas para probar. Sopa de Frijoles Blancos y Calabaza Ingredientes 1 lata de 15 onzas de frijoles blancos pequeños* 1 cebolla pequeña (finamente picada) 1 taza de agua 1 lata de 15 onzas de puré de calabaza** 1 ½ tazas de jugo de manzana ½ cucharadita de canela ½ cucharadita de pimienta negra ¼ cucharadita de sal 1/8 cucharadita de nuez moscada, allspice o jengibre (opcional) * También puede comprar frijoles secos y remojarlos en agua según

las indicaciones del paquete. **Para hacer puré de calabaza fresco, corte una calabaza de tamaño

mediano y deseche el tallo y la pulpa fibrosa. Coloque las dos mitades en una bandeja para horno poco profunda, cúbralas con papel de aluminio y hornéelas a 375 grados durante cerca de 90 minutos o hasta que estén blandas. Deje que enfríe la calabaza, luego quítele la pulpa y hágala puré.

Preparación Aplaste los frijoles blancos, la cebolla y el agua con un tenedor hasta que queden blandos o use la licuadora. Deje aparte. Combine el puré de calabaza, el jugo de manzana, la canela, la pimienta negra y la sal en una olla grande. Si va a usar nuez moscada, allspice o jengibre, agréguelos también. Revuelva, agregue la mezcla de frijoles a la olla. Cocine a fuego lento durante 15 a 20 minutos, hasta que esté caliente. Rinde 6 porciones Por porción: 140 calorías, 1 gr de grasa, 7g de fibra, 420 mg de sodio Receta adaptada del sitio web del Departamento Estadounidense de Agricultura.

Fuentes: Centros para el Control y la Prevención de Enfermedades; Departamento de Agricultura de los EE. UU.

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PARA SU BENEFICIO

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Programa de Salud para Mantenerse en Forma

5

Los 5 Motivos Principales por los cuales los Ejercicios en el Invierno son Importantes

Durante los meses de invierno, es fácil querer hibernar de su rutina de ejercicios, especialmente cuando las temperaturas bajan súbitamente. Pero aferrarse a su programa de ejercicios durante la temporada le puede brindar una amplia gama de beneficios de salud. ¿Necesita más convencimiento? A continuación le presentamos solo unos cuantos motivos que justifican por qué los ejercicios en el invierno son tan importantes.

Twenty minutes after your last cigarette, your heart rate drops to a normal level. And the year after you quit, your risk of heart disease has been cut by half. Be sure to celebrate these and other victories on your path to being smoke-free. Why not treat yourself to something special with the money you would have spent on cigarettes?

2. Ayudan a prevenir el aumento de peso. Con todas las comidas ricas en calorías de las fiestas y las comidas reconfortantes de la temporada, el ejercicio regular le puede ayudar a evitar acumular libras adicionales. Incluso si se pierde un ejercicio o dos, simplemente regrese a la rutina al día siguiente. Registrar sus ejercicios y su progreso en su Diario de Comidas y Ejercicios del Fondo de Beneficios de 1199SEIU le puede ayudar a mantenerse motivado.

Your Fund Is Here to Help

3. Pueden levantar su ánimo. Ya sea que sufra o no de la “depresión de invierno”, simplemente estar expuesto a unas pocas horas de luz del día y pasar más tiempo en el interior pueden afectar a su bienestar mental. El ejercicio ayuda a reducir los sentimientos de ansiedad y depresión al liberar sustancias químicas del cerebro para sentirse bien llamadas endorfinas.

For one-on-one coaching to help you quit smoking, call the Benefit Fund’s Nurse Helpline at (866) 935-1199 to connect with a personal health coach who will work with you to develop a plan and set realistic goals. Our health coaches can also help you if you need to lose weight or manage a chronic condition. They’ll share with you the most effective ways to eat healthier while still enjoying foods you like – and lowering your risks for weight-related health issues such as Type 2 diabetes and heart disease.

4. Le ayudarán a mantenerse fuerte. Si el clima le impide disfrutar de sus actividades exteriores regulares, las actividades interiores de entrenamiento de fuerza pueden ayudarle a prevenir no solamente la pérdida de tono muscular sino también la pérdida ósea, y protegerle de fracturas relacionadas a la osteoporosis. El fortalecimiento de los músculos mejora su equilibrio y coordinación, y le ayuda a realizar las tareas físicas cotidianas sin incomodidad ni dolor.

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Don’t be afraid to ask your doctor for advice on how to quit smoking. Remember, too, that your Benefit Fund is here to help. Just call (866) 935-1199 to speak to an 1199SEIU Health Coach who will work with you to create a plan and stick to it. See “Your Fund Is Here to Help” below.

Celebrate Milestones

1. Impulsan su sistema inmunitario. Según los Institutos Nacionales de Salud, el ejercicio, incluida una caminata diaria moderada, puede mejorar su sistema inmunitario y aumentar las defensas de su cuerpo contra las infecciones e incluso contra el resfrío común y la gripe. Un estudio publicado en la revista Nature Reviews Immunology descubrió que el poder de mejoramiento del sistema inmunitario del ejercicio regular podría incluso desempeñar un rol en reducir su riesgo de sufrir enfermedades cardíacas y cáncer, en parte al reducir la inflamación en el organismo.

5. Le ayudarán a hacer de sus hábitos saludables una forma de vida durante todo el año. Reducir su horario de ejercicios ahora hará que sea más difícil comenzar nuevamente cuando el clima mejore. En lugar de ello, haga de sus ejercicios una parte de su vida diaria, sin importar lo que el clima le depara. Haga sus caminatas en un centro comercial local cuando haga mucho frío para caminar afuera, pruebe una clase de ejercicios en grupo en su gimnasio local o haga ejercicios en su hogar con un DVD de ejercicios (como por ejemplo el nuevo DVD Ejercicios para Yoga/Pilates con Banda de Resistencia de los Fondos de Beneficios de 1199SEIU). Al hacer ejercicios durante todo el año usted permanece comprometido, y tendrá más posibilidades de lograr su pérdida de peso y sus metas de ejercicios.

Seek Professional Help If You Need It

So get the support you need to reach your health goals, and call   TODAY

Fuentes: Clínica Mayo; Institutos Nacionales de Salud; Nature Reviews Immunology

Sources: American Cancer Society; Centers for Disease Control and Prevention; Journal of Smoking Cessation; National Cancer Institute;The New England Journal of Medicine;World Heart Federation

Get the New Year Off to a Healthy Start at Our Wellness Workshop on January 24 If you’ve made a pledge to live healthier in 2015, the Benefit Fund can help you stay committed to your goals. Join your fellow members on Saturday, January 24, at our Wellness Department’s “Keep Your New Year’s Resolution” workshop,* where you’ll get tips on eating healthfully, staying fit and reducing stress. At our nutrition seminar, a registered dietitian will discuss diets that have been shown to extend people’s lives, and share which foods you can eat to boost your brain power. Our stress management workshop will provide tips to ease stress at home and at work. To end the day, you can participate in an all-ages aerobics class, so be sure to wear comfortable clothing – and bring the whole family! As an added bonus, all workshop participants will receive the 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout DVD and resistance band as well as a copy of the Fund’s 2015 Protecting Our Health calendar. So join us on January 24 – and learn how to make healthy changes last a lifetime! What: When:

“Keep Your New Year’s Resolution” workshop Saturday, January 24, 2015 10:00 am to 2:00 pm Where: 330 West 42nd Street, 33rd Floor (Penthouse) To reserve your spot, please call (646) 473-8960, Option 2, Option 1. Validated parking for $13 will be available across the street at Impark, and child care will be provided for children ages 3 and above. *Provided by Worksite Medical Services, P.C.

FOR YOUR BENEFIT

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Healthy Living

Ya está disponible ahora el Calendario de Protección de Nuestra Salud de 2015 del Fondo de Beneficios. Allí encontrará un año completo de consejos de nutrición, acondicionamiento físico y estilo de vida para ayudarle a usted y a su familia a tomar decisiones saludables. También encontrará recordatorios mensuales sobre los eventos de bienestar del Fondo y los recursos que están a su disposición. Puede obtener su calendario en cualquiera de las ferias de salud del Departamento de Bienestar, talleres de bienestar u otros eventos. Por ello debe obtener el suyo ahora, y ¡comenzar a vivir de manera saludable desde hoy!

Stop smoking and start living If you’re a smoker, you probably know all the reasons you should quit – but you probably also know how hard it is to kick the habit for good. No matter your age or how long you’ve smoked, quitting smoking is worth it. Besides lowering your odds for heart disease, lung cancer, stroke and emphysema, quitting will also protect your loved ones from the harmful effects of secondhand smoke. Giving up smoking could even add years to your life: A recent study in The New England Journal of Medicine found that smokers who quit lived at least six years longer than people who continued to smoke. It might help to know that if you’re trying to quit, you’re not alone. The good news is that since 2002, there are more former smokers than current smokers in the U.S. And just like the millions who have quit, you can too with the right planning and support. Try these tips and strategies to help you give up smoking once and for all.

Write Down Your Reasons for Quitting Make a list of your reasons to give up smoking – including the names of family members and friends whose company you want to enjoy for years to come. Set a few personal goals too, such as being able to climb a flight of stairs without being short of breath or really tasting the foods you love again. Add photos of your loved ones and other motivational pictures, and post the list someplace where you’ll see it often.

Set and Announce Your Quit Date It sounds simple, but picking a date to stop smoking completely is important.Your quit date could have special meaning, such as a birthday or an anniversary, to help remind you of your goals. Once you’ve decided, tell friends and family about your plan so they can support you. How? Ask them to keep

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your activities together smoke-free or help you find healthful distractions when you crave a cigarette.

Identify and Avoid Triggers Be sure to throw away cigarettes, lighters, ashtrays and all other objects you associate with smoking. Avoiding people and situations that trigger your desire to smoke can be harder, but planning can make a difference. For instance, carry a pack of gum to chew after meals, during work breaks and at other times when you’re used to smoking.You can also plan other things to do when you get the urge to light up, such as calling a friend, listening to music or going to a smoke-free zone like a store or movie theater.

Get Moving One of the best ways to overcome tobacco cravings – and avoid the weight gain sometimes associated with quitting – is exercise. In fact, a study reported in the Journal of Smoking Cessation showed that smokers who exercised for just 15 minutes a day were 55 percent more likely to quit – and 43 percent less likely to start smoking again – than those who were inactive. So take a walk before work, during your lunch break or after dinner – or better yet – do all three!

Ventajas de la Membresía

Quit for Life!

¡Viva Saludablemente Durante Todo el Año con el Calendario de Protección de Nuestra Salud de 2015!

¡Ya Está Disponible Nuestro Nuevo DVD de Ejercicios de Yoga/Pilates con la Banda de Resistencia de los Fondos de Beneficios de 1199SEIU! Algo nuevo para 2015, hemos creado unos ejercicios con banda de resistencia para Yoga/Pilates que son divertidos y le llenan de energía, que puede hacer en la comodidad de su hogar. Con nuestro nuevo DVD Ejercicios para Yoga/Pilates con Banda de Resistencia de los Fondos de Beneficios de 1199SEIU en 15 a 20 minutos por día completará una serie de ejercicios de yoga y pilates que están dirigidos a todos sus músculos principales, especialmente sus músculos básicos (abdominales y músculos de la espalda). El DVD tiene ejercicios para tres niveles de acondicionamiento físico: principiante, intermedio y avanzado, para que pueda elegir el que funciona mejor para usted. El entrenador de acondicionamiento físico, Foluke Arthurton,* de los Fondos de Beneficios de 1199SEIU le brinda una explicación de los ejercicios y el DVD está acompañado por una banda de resistencia y contiene todo lo que necesita para comenzar. Puede obtener su DVD en nuestro taller “Cumpla con Su Resolución de Año Nuevo” que se llevará a cabo el 24 de enero (consulte la página 25) y en todos los eventos de bienestar que se programen durante el año. *

Contratado a través de Worksite Medical Services, P.C.

PARA SU BENEFICIO

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¿Va a Estudiar en la Universidad durante el Año Académico 2015–2016?

Pida la Solicitud para la Beca Joseph Tauber El Programa Joseph Tauber proporciona becas para hijos de miembros elegibles de 1199SEIU que asisten a programas universitarios de pregrado acreditados. Los miembros elegibles son aquellos cuyos empleadores contribuyen al Fondo Nacional de Beneficios o al Fondo de Educación de la Zona Metropolitana de Nueva York. Los miembros deben haber recibido beneficios de salario de clase I durante al menos un año. Los candidatos deben ser graduados de secundaria, estudiantes de educación superior o becados y estar inscritos a jornada completa para un mínimo de 12 créditos universitarios cada semestre. Todos los candidatos deben ser menores de 23 años de edad por 01 de septiembre de 2015. Los becados que deseen seguir recibiendo apoyo de este tipo deben tener en cuenta que no están garantizadas las renovaciones automáticas de las becas; es necesario volver a solicitarla cada año para que se considere su caso.

“I finally realized that every puff had been putting my health in jeopardy, even though I felt fine before my heart attack,” Jeffrey said. “But more important, I realized I could quit – I was living without cigarettes – and it felt good.”

Para pedir una solicitud para el programa de becas Joseph Tauber, debe completar la petición de solicitud a continuación y enviarla antes del 31 de enero de 2015. Solo puede enviar un formulario de petición de solicitud por hijo. Si ambos padres son empleados de 1199SEIU, solo uno de los padres puede enviarlo en nombre del hijo. Si necesita formularios adicionales, puede descargarlos visitando nuestro sitio web en www.1199SEIUBenefits.org/ccf durante el período de petición de solicitudes. Tenga en cuenta que este formulario de petición de solicitud NO es la solicitud en sí; es válido para el año de becas 2015–2016 únicamente. Envíe por fax la petición completada al (646) 473-6949 o por correo a: 1199SEIU Child Care Corporation, Joseph Tauber Scholarship Program, 330 West 42nd Street, 18th Floor, New York, NY 10036-6977. Una vez envíe el formulario como se indica, si resulta elegible, se le enviará el paquete de solicitud de becas en marzo. El paquete incluye varios formularios que debe completar y devolver según las instrucciones específicas y antes de las fechas indicadas, para que se considere su caso. Los montos concedidos para las becas varían según las necesidades, y el mínimo anual de beca es de $750. Si bien las becas Joseph Tauber Scholarships pueden dar a poyo a estudiantes elegibles de cualquier campo de estudio, el programa de becas 1199SEIU Next Generation RN proporciona asistencia financiera y académica a los hijos de miembros de 1199SEIU en la fase clínica de un programa de enfermería. Para averiguar si su hijo califica o, si tiene alguna pregunta, llame al (646) 473-8999.

02/'2!-!$%"%#!3*/3%0(4!5"%2s&/2-5,!2)/$%0%4)#)¼.$%3/,)#)45$n Información del Estudiante (Por favor escriba claramente con letra de imprenta y con tinta.) Nombre del estudiante __________________________________________________________________________________________ Nombre

Apellido

Fecha de nacimiento _______________________________________________ Edad actual __________________________________ Dirección de correo electrónico ____________________________________________________________________________________ Fecha en que se graduó o espera graduarse de la escuela secundaria _______________ Fecha de ingreso a la universidad _______________ ¿Es la primera vez que presenta una solicitud en el Programa de Becas Joseph Tauber?

❒ Sí

❒ No

Información del Miembro (Por favor escriba claramente con letra de imprenta y con tinta.) Nombre del miembro __________________________________________________________________________________________ Nombre

Apellido

N.o de identificación del miembro _________________________________________________________________________________ Teléfono particular _____________________________________ Teléfono celular __________________________________________ Dirección ____________________________________________ Ciudad __________________ Estado _____ Código postal __________ Dirección de correo electrónico ____________________________________________________________________________________ ❒ Fondo Nacional de Beneficios (NBF) ❒ Fondo de Cuidado Infantil del Gran Nueva York ❒ Miembros del NBF del Área de Rochester ❒ Fondo de Bienestar LPN El Departamento de Becas debe recibir su petición de solicitud antes del 31 de enero de 2015 para poder enviarle un paquete oficial de solicitud de becas. Si no recibe su paquete de solicitud de becas antes del 1 de abril de 2015, por favor llámenos al (646) 473-8999. Le enviaremos un recibo una vez que recibamos e ingresemos esta petición del formulario de solicitud.

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Do you have a healthy story to share? We’re always looking for the opportunity to spotlight members who are protecting their health by losing weight, quitting smoking, bringing a chronic condition under control or just improving their lifestyle in general. If you have made positive changes in your health – or are just starting to – we want to hear from you! To share your story with your fellow members in an upcoming issue of For Your Benefit, please contact the Fund at Communications@1199Funds.org.

FOR YOUR BENEFIT

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Member Profile

Jeffrey Lee After a serious health scare, Jeffrey Lee put down cigarettes for good, and today he’s breathing easy.

Por favor escriba claramente con letra de imprenta y con tinta. Información del miembro: ❒ Fondo Nacional de Beneficios (NBF) ❒ Fondo de Cuidado Infantil del Gran Nueva York (GNY) ❒ Miembros del NBF del Área de Rochester Apellido del miembro _____________________ Nombre _____________________ N.o de identificación del miembro ____________________ (Obligatorio, n.º de Seg. Soc. no aceptado)

Dirección _____________________________________________________________________________ Depto.N.o _________________

For four long days in June 2012, Jeffrey Lee lay in a hospital bed in Brooklyn and thought about how much was at stake if he kept smoking. Just 55 years old at the time, happily married to his wife, Janine, who is an Outreach Coordinator at the Benefit Funds, and proud father to their 16-year-old daughter, Janay, he was terrified at the thought of not being in their lives.Yet there he was, recovering from a heart attack in the cardiac unit of Long Island College Hospital after being rushed to the emergency room. “It was a traumatic experience that put a lot of fear in me,” he said. “And there wasn’t a bit of doubt about why I had a heart attack: it was from smoking cigarettes.” Jeffrey, a Personal Care Assistant at Mount Sinai/Beth Israel Hospital, had been smoking close to a pack of cigarettes a day for nearly 30 years, but he was now determined to stop. The two months of his strictly monitored recovery after his heart attack helped him avoid most of the triggers that might have led to smoking, he said, since he spent nearly all his time either at home or at a healthcare facility seeing a doctor. But in addition to his heart healing and his health stabilizing enough for him to return to work, two things happened. “I finally realized that every puff had been putting my health in jeopardy, even though I felt fine before my heart attack,” Jeffrey said. “But more important, I realized I could quit – I was living without cigarettes – and it felt good.” Working in a detoxification and chemical dependency unit at the hospital, Jeffrey saw how hard it was for patients struggling with addiction and said he’s humbled to think his experience might serve as a powerful example. “I tell people that in my mind, I felt like I was health-conscious even though I was smoking – I played basketball every week, I felt like I ate pretty well and had even lost a little weight,” he said. “I blocked out the fact that smoking put me at much higher risk for a heart attack or stroke.”

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CUPÓN DE ELEGIBILIDAD PARA 2015 DEL PROGRAMA DE CAMPAMENTO DE ESTADÍA ANNE SHORE

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The experience was a turning point in Jeffrey’s life, and in the last two-and-a-half years he has not only remained smoke-free, he’s become more healthconscious overall. He walks about three times a week, he said, and uses an elliptical machine at home. A nagging hip injury has limited his time on the basketball court, but he isn’t complaining. “Let’s face it, it’s a young man’s game,” he said with a laugh. “I’m 58 years old and other than wanting to drop a few pounds, I feel great.” He stressed that it’s been tough to stay away from smoking – or to avoid substituting snacks for cigarettes – but that it has become easier over time. He didn’t use smoking cessation products or medications, but said he thinks anyone trying to quit should use whatever they need to quit, such as nicotine patches, gum or medication. Jeffrey’s cardiologist told him that in addition to giving up smoking, he had to change his diet in order for his heart to heal and regain strength. So he began grilling and baking his chicken, fish and shrimp dinners rather than frying them; eating fresh fruit and vegetables instead of chips, pretzels or other unhealthy snack foods; and drinking water instead of soda. Surprisingly, he found that healthy eating reduced his cigarette cravings, boosting his confidence and helping him stay on track to quitting. Of course, now that his taste buds are back in action, Jeffrey said he needs to watch his portions and avoid impulsive snacking, especially when working his usual 11:00 pm to 7:00 am shift. But it’s a small sacrifice, he said, especially when he thinks about where he was less than three years ago. “I’m fortunate to have health benefits that allow me to stay on top of my condition, and I’ve taken steps to change and to do the right thing,” he said. “There’s no lasting damage to my heart. Now the rest is up to me.”

Ciudad ______________________________________________________ Estado _________________Código postal __________________ Teléfono particular ___________________ Teléfono celular ____________________ Teléfono del trabajo ___________________ Ext. _____ Empleado en __________________________________________________________________________________________________ Apellido del niño __________________________________ Nombre __________________________ Fecha de nacimiento ____________ ¿Su hijo usó este beneficio en el pasado? ❒ Sí ❒ No Si la respuesta es afirmativa, ¿a qué campamento asistió? ____________________ Dirección de correo electrónico del miembro ___________________________________________________________________________ Llene este formulario completamente y devuélvalo antes del 30 de enero de 2015. Envíelo por correo a: 1199SEIU Child Care Corporation, Anne Shore Sleep-Away Camp Program, PO Box 955, New York, NY 10108-0955. También puede enviar el formulario por fax al Programa de Campamento de Estadía Anne Shore al (646) 473-8311. Se debe enviar un cupón por separado para cada niño.

Programa de Campamento de Estadía Anne Shore de 2015 para

Niños de 9 a 15 Años de Edad Cada año, el Programa de Campamento de Estadía Anne Shore envía a más de 800 hijos de los miembros de 1199SEIU a campamentos de estadía de tres y cuatro semanas en el noreste, a un costo mínimo para sus padres. Para solicitar un lugar en el campamento de estadía, solo complete el cupón anterior y envíelo a 1199SEIU Child Care Corporation antes del 30 de enero de 2015. Si su hijo es elegible, el personal de nuestro programa se comunicará con usted para programar una cita para que asista a la orientación obligatoria con el fin de seleccionar el campamento que mejor se ajuste a las necesidades y a los intereses de su hijo. Usted debe abonar una cuota de solicitud no reembolsable de $10, que debe pagar en la orientación. Póngase en contacto con el Programa de Campamento Anne Shore llamando al (646) 473-8310 o escribiendo a AnneShoreCampProgram@1199Funds.org for more information. El programa de verano es un campamento de estadía de tres a cuatro semanas. Esta solicitud NO ES para un campamento diurno.

FOR OFFICE USE ONLY ❒ NBF

❒ GNY

Eligibility: ❒ YES

❒ NBF ROCHESTER ❒ NO

If no, reason: _________________________________

Eligibility Verification Date: ________________________________________________ Date Received

Verified by: ___________________________________________________________

PARA SU BENEFICIO

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HIPAA Notice If you would like a copy of the Fund’s Notice of HIPAA Privacy Practices, please visit www.1199SEIUBenefits.org, or request one in writing by writing to the 1199SEIU Benefit Fund Privacy Officer at 330 West 42nd St, 9th Floor, NY, NY 10036.

1199SEIU NATIONAL BENEFIT FUND FOR HEALTH AND HUMAN SERVICE EMPLOYEES SUMMARY OF MATERIAL MODIFICATIONS This Summary of Material Modifications describes changes that affect your welfare benefit plan and updates the Summary Plan Description (“SPD�) that was previously distributed to you. You should keep this summary with your current SPD until the booklet is updated to reflect the changes discussed herein. ___________________________________________________________________________ Effective January 1, 2015, the following changes to the 1199SEIU National Benefit Fund for Health and Human Service Employees (“Benefit Fund�) Plan and SPD apply: 1. Sections I.C and IV.A: If you have designated your spouse as your life insurance beneficiary, your divorce will automatically revoke that designation upon notification to the Fund. If you do not change your beneficiary thereafter, your Life Insurance Benefit will be paid as if there is no beneficiary. 2. Sections I.G and VII.B: In the event you comply with the Fund’s terms and acknowledge the Fund’s rights, but you dispute the Fund’s Lien Determination (that a claim for benefits is not covered because it is an expense resulting from an illness or injury caused by the conduct of a third party) you may request an Administrative Review of the Lien Determination by writing to the Liens Department, provided that any proceeds you receive from a settlement, verdict or agreement for compensation from or on behalf of the party responsible for the illness or injury, up to the amount of the lien, are not disbursed for the duration of the appeal. The Fund will notify you in writing of the appeal decision and rationale within 30 days of receipt of the written appeal. If the Administrative Review results in a denial of your appeal, you have the right to request a final Administrative Review by the Chief Benefits Officer or his or her designee in writing no later than 60 days after the receipt of the appeal denial. If your appeal is denied by the Chief Benefits Officer or his or her designee, you have the right to file suit in federal court under the Employee Retirement Income Security Act of 1974 (“ERISA�). 3. Section I.J: For purposes of the subsection regarding continuing your coverage while receiving unemployment insurance, the maximum of six months continuation need not be consecutive, and the number of years you were covered by the Benefit Fund is calculated from when you were last considered a new employee under Section I.B. 4. Section II – preface, II.A, VII.B: A Non-Participating Provider that appeals a benefit denial cannot file a lawsuit on your behalf more than five years from the date of service. Before you receive services from a Non-Participating Provider, you should ask the provider to find out the total Benefit Fund allowance for the planned service by calling (646) 473-7160, and to notify you of what your out-of-pocket expenses will be.

5. Sections VII.A and VII.B: The assignment feature of the Benefit Fund is only for payment of your benefits to providers. No other rights under the plan or ERISA may be assigned or transferred. 6. Section VII.A: If you (or your provider by assignment) receive an overpayment from the Benefit Fund as a result of an improperly billed claim for benefits, the overpaid funds belong to the Benefit Fund, and you agree to hold that money in trust for the Benefit Fund and to reimburse the Benefit Fund within 30 days of receiving the overpayment. In addition, the Plan Administrator may bring a court action to enforce the terms of the Plan or to recover benefit overpayments. ___________________________________________________________________________

This summary only highlights the key changes made to the 1199SEIU National Benefit Fund for Health and Human Service Employees. Summaries of material modifications together with the Summary Plan Description make up your official plan descriptions; please keep them together and refer to them as necessary. We have made every attempt to insure the accuracy of the information in this summary and the Summary Plan Description. However, if there is any discrepancy between them and the Plan Document, insurance contracts or other legal documents, the legal documents will always govern. If you would like to review the Plan Document or have any questions, please contact the Fund’s Member Services Representatives at (646) 473-9200. The National Benefit Fund believes it is a “grandfathered health plan� under the Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that this plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for an external review process for claims appeals. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits. Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the Plan Administrator at (646) 473-9200. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at (866) 444-3272 or www.dol. gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans. The plan sponsor of the 1199SEIU National Benefit Fund for Health and Human Service Employees reserves the right to amend or terminate the 1199SEIU National Benefit Fund for Health & Human Service Employees, or any part of it, at any time.

SUMMARY ANNUAL REPORT 1199SEIU NATIONAL BENEFIT FUND FOR HEALTH AND HUMAN SERVICE EMPLOYEES This is a summary of the annual report for the 1199SEIU National Benefit Fund for Health and Human Service Employees, EIN: 13-1628401, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Insurance Information The plan has a contract with Amalgamated Life Insurance Company and Guardian Life Insurance of America to pay certain life insurance and accidental death and dismemberment claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2013, were $721,571.

Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: s )NSURANCEINFORMATION INCLUDINGSALESCOMMISSIONSPAIDBYINSURANCECARRIERS s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERS s !SSETSHELDFORINVESTMENT s )NFORMATIONREGARDINGANYCOMMONORCOLLECTIVETRUSTS POOLEDSEPARATEACCOUNTS MASTER trusts or 103-12 investment entities in which the plan participates; and s !CTUARIALINFORMATIONREGARDINGTHEFUNDINGOFTHEPLAN

Because it is a so-called “experience-rated� contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2013, the premiums paid under such “experience-rated� contracts were $8,402,334 and the total of all benefit claims paid under the experience-rated contract during the plan year was $6,749,931.

You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report.

Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $404,718,891 as of December 31, 2013, compared to $327,624,942 as of January 1, 2013. During the plan year, the plan experienced an increase in its net assets of $77,093,949. This increase includes unrealized appreciation and depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. The plan had total income of $1,463,868,918, including employer contributions of $1,431,048,794, net appreciation in fair value of investments of $21,540,120, COBRA payments of $2,802,297, and other earnings of $8,477,707.

To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU National Benefit Fund for Health and Human Service Employees, PO Box 842, New York, NY 10108; (646) 473-6365.

Except those with respect to the benefits specified under “Insurance Information� below, the plan is self-insured and has committed to pay covered claims out of plan assets.

Plan expenses were $1,386,774,969. These expenses included $91,012,029 in administrative expenses,

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$1,288,047,893 in benefits paid to participants and beneficiaries, $416,716 in investment and advisor fees, and $7,298,331 in general expenses.

www.1199SEIUBenefits.org

You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU National Benefit Fund for Health and Human Service Employees, 330 West 42nd Street, 28th floor, New York, NY 10036 and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

Make Sure Your Tax Refund Is All It Can Be with the Earned Income Tax Credit Take advantage of our free Tax Preparation Assistance Program For years, the 1199SEIU Benefit Fund’s Tax Preparation Assistance Program has been available to help you claim the Earned Income Tax Credit (EITC) and get the most out of your tax return.The program has served thousands of members, and in 2015, the Fund is again partnering with New York City’s EITC Coalition to help you get your taxes prepared accurately and make sure your refund includes everything you’re entitled to. The EITC Coalition is led by the New York City Department of Consumer Affairs, and includes the City’s Office of Financial Empowerment and the Food Bank For New York City.

Visit the Food Bank For New York City and Ariva Sites for Free Tax Preparation As long as your 2014 household income was below $53,000 with dependents (or $20,000 if you are single and have no dependents), our partners at the Food Bank For New York City are offering free tax preparation events throughout the five boroughs. And this year, for the first time, the Food Bank For New York City is offering a new service – Virtual Volunteer Income Tax Assistance (Virtual VITA) – for convenient e-filing at various locations. Please visit www.FoodBankNYC.org/News/Free-Income-Tax-Services-Locations to find the site closest to you.You are eligible to use Virtual VITA if your 2014 household income was less than $53,000 with dependents, or $20,000 without dependents. Here’s how it works: 1. If you will be submitting a joint return with your spouse, both of you must be present. 2. A site volunteer will verify your identity, review your income and tax-related documents and help you get started. 3. Your forms and documents will be securely transmitted to the Food Bank For New York City’s Tax Preparation Site, where your return will be processed by a certified tax preparer. 4. You can expect a call from the tax preparer in just 48 hours to go over your tax return and complete the e-filing process. 5. Your tax return will be emailed to you. The nonprofit financial education program Ariva is offering free assistance at sites in the Bronx. At Ariva’s site in the South Bronx, your 2014 household income must be below $53,000 if you have dependent children or below $25,000 if you are single and have no dependents. At Ariva’s site in the Northwest Bronx, your 2014 household income must be below $56,000 if you have dependent children or below $25,000 if you are single and have no dependents. If you qualify for the EITC, the tax experts onsite will help you file for the credit. Even if you don’t live near one of these sites, be sure to check the “Claim Your EITC� guide to find out whether you qualify for the credit before filing your return.

Claim Your EITC You can check whether you meet the income requirements for the EITC by using the 2014 tax guidelines listed here: UĂŠ ˜Vœ“iĂŠLiÂ?ÂœĂœĂŠf{Ăˆ]™™ÇÊ­fxĂ“]{Ă“Ă‡ĂŠÂˆvĂŠ married, filing a joint return) with three or more dependent children UĂŠ ˜Vœ“iĂŠLiÂ?ÂœĂœĂŠf{ĂŽ]ÇxĂˆĂŠÂ­f{™]ÂŁnĂˆĂŠÂˆvĂŠ married, filing a joint return) with two dependent children UĂŠ ˜Vœ“iĂŠLiÂ?ÂœĂœĂŠfĂŽn]x££Ê­f{ĂŽ]™{ÂŁĂŠÂˆvĂŠ married, filing a joint return) with one dependent child UĂŠ ˜Vœ“iĂŠLiÂ?ÂœĂœĂŠfÂŁ{]x™äÊ­fÓä]Ă¤Ă“Ă¤ĂŠÂˆvĂŠ married, filing a joint return) with no dependent children

Check your mail for your Fund’s EITC information booklet, visit our website at www.1199SEIUBenefits.org or call the Benefit Fund at (646) 473-9200.

FOR YOUR BENEFIT

5


Benefits Update & News

New Dental Plus Plan for Early Retirees If you are thinking of early retirement, you may know that the Benefit Funds offered a prescription, vision and hearing plan to National Benefit Fund retirees age 55 or older with at least 10 years of service and to Greater New York Benefit Fund retirees between ages 62 and 65 with at least 25 years of service. As of January 1, 2015, the Benefit Funds are now instead providing a new health benefit plan for our not-yet-Medicareeligible early retirees called the Dental Plus Plan. This new plan includes a dental benefit ($3,000 a year for NBF, $1,200 a year for GNY); a hospital indemnity plan that pays $200 a day, for 10 days, each time you are admitted to a hospital; and a vision benefit. We created the new Dental Plus Plan, just as we did for our Wage and Eligibility Class III active members, to allow early retirees who want to buy a medical plan on the new Health Insurance Marketplace to receive a subsidy, if eligible, to help pay for the plan. As you probably know, under the Affordable Care Act (ACA),

everyone must have “Minimum Essential Coverage� or face a penalty. Because the Prescription Plan is considered “Minimum Essential Coverage� under the ACA, early retirees would not face a penalty, but if they chose to buy a more complete medical plan on the Health Insurance Marketplace, they would not be able to access a subsidy. In some cases, the tax subsidy can reduce the monthly premium to zero. (Early retirees who think the Prescription Plan might work better for them have a one-time option to switch from the Dental Plus Plan.) So if you are planning on early retirement and have any questions about the Dental Plus Plan or about your Benefit Fund coverage, please call our Retiree Services Center at (646) 473-8666 and a representative will be happy to help you. For information about purchasing a Marketplace plan, you can contact our partners at the Community Service Society at (888) 614-5400 or Enroll@CSSNY.org.

Avoid Out-of-Pocket Costs by Using Participating Providers As an 1199SEIU member, you have access to thousands of healthcare providers within our Benefit Fund’s network. That means you can avoid paying unnecessary out-of-pocket costs when you use participating providers. Doctors who are not in the network can charge anything they want, which can be a lot more than the Fund’s reimbursement rate, and you have to pay the full balance. So going outside of our network to a non-participating provider could result in an expensive – and avoidable – medical bill, so make sure that your doctor, and any provider he or she may refer you to, is part of our network. s

s

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4OlNDAPARTICIPATINGPROVIDER VISITwww.1199SEIUBenefits.org, and search by specialty, location or hospital network. If you need help choosing an in-network provider, just call our Member Services Department at (646) 473-9200 and one of our representatives will assist you. 7HENYOUMAKEANAPPOINTMENTWITHANYHEALTHCAREPROVIDER YOUSHOULDCONlRMTHATTHE provider still participates in the Fund’s network. That includes your primary care doctor; your pharmacy; surgeons and anesthesiologists if you need an operation; imaging centers or labs if you have X-rays or tests done; and any other referrals or specialists. And if your doctor writes you a prescription, remember to check the Preferred Drug List (PDL) at www.1199SEIUBenefits.org to make sure your medication is fully covered.

www.1199SEIUBenefits.org

SUMMARY ANNUAL REPORT 1199SEIU GREATER NEW YORK BENEFIT FUND This is a summary of the annual report for the 1199SEIU Greater New York Benefit Fund, EIN: 136125570, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA). Except with respect to the benefits specified under “Insurance Information� below, the plan is selfinsured and has committed to pay covered claims out of plan assets. Insurance Information The plan has a contract with Amalgamated Life Insurance Company to pay certain life claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2013, were $964,940. Because it is a so-called “experience-rated� contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2013, the premiums paid under such “experience-rated� contracts were $897,367 and the total of all benefit claims paid under the experience-rated contract during the plan year was $629,102. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $67,746,480 as of December 31, 2013, compared to $41,783,316 as of January 1, 2013. During the plan year, the plan experienced an increase in its net assets of $25,963,164. This increase includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. During the plan year, the plan had total income of $194,815,746, including employer contributions of $189,417,152, net appreciation in fair value of investments of $414,463, COBRA contributions of $444,718, member spousal contributions of $3,913,546 and other earnings of $625,867.

Plan expenses were $168,852,582. These expenses included $13,080,354 in administrative and general expenses and $155,772,228 in benefits paid to participants and beneficiaries. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: s )NSURANCEINFORMATION INCLUDINGSALESCOMMISSIONSPAIDBYINSURANCECARRIERS s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERS s !SSETSHELDFORINVESTMENTAND s !CTUARIALINFORMATIONREGARDINGTHEFUNDINGOFTHEPLAN You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU Greater New York Benefit Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU Greater New York Benefit Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

SUMMARY ANNUAL REPORT 1199SEIU/EMPLOYER CHILD CARE FUND

Except with respect to the benefits specified under “Insurance Information� below, the plan is selfinsured and has committed to pay covered claims out of plan assets.

Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: s )NSURANCEINFORMATION INCLUDINGSALESCOMMISSIONSPAIDBYINSURANCECARRIERS s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERSAND s !SSETSHELDFORINVESTMENT

Insurance Information The plan has (a) contract(s) with Metropolitan Life Insurance Company to pay certain child care claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2013, were $9,318.

You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report.

Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $15,616,550 as of December 31, 2013, compared to $15,992,839 as of January 1, 2013. During the plan year, the plan experienced a decrease in its net assets of $376,289. This decrease includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total income of $24,624,069, which included employer contributions of $23,945,454, program revenue of $664,060, and other earnings of $14,555.

To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU/Employer Child Care Fund, PO Box 842, New York, NY 10108; (646) 473-6365.

This is a summary of the annual report for the 1199SEIU/Employer Child Care Fund, EIN: 13-3641466, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering child care benefits. The annual report has been filed with the Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Plan expenses were $25,000,358. These expenses included $6,601,141 in administrative expenses and $18,399,217 in benefits paid to participants and beneficiaries.

You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU/Employer Child Care Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

SUMMARY ANNUAL REPORT 1199SEIU/LEAGUE JOB SECURITY FUND This is a summary of the annual report for the 1199SEIU/League Job Security Fund, EIN: 13-3712851, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering retraining, unemployment, continued health insurance, job security and job placement benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA). The plan is self-insured and has committed to pay covered claims out of plan assets. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $8,969,138 as of December 31, 2013, compared to $10,596,569 as of January 1, 2013. During the plan year, the plan experienced a decrease in its net assets of $1,627,431. This decrease includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total income of $6,365,371, including employer contributions of $6,214,334, net appreciation in fair value of investments of $32,699, and other earnings of $118,338. Plan expenses were $7,992,802. These expenses included $2,211,882 in administrative expenses and $5,780,920 in benefits paid to participants and beneficiaries.

Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report: s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERSAND s !SSETSHELDFORINVESTMENT You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU/League Job Security Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU/League Job Security Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

FOR YOUR BENEFIT

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SUMMARY ANNUAL REPORT 1199SEIU/LEAGUE REGISTERED NURSE TRAINING AND JOB SECURITY FUND This is a summary of the annual report for the 1199SEIU/League Registered Nurse Training and Job Security Fund, EIN: 13-3946135, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering educational and training benefits to participating RNs. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA). The plan is self-insured and has committed to pay covered claims out of plan assets. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $3,994,828 as of December 31, 2013, compared to $803,254 as of January 1, 2013. During the plan year, the plan experienced an increase in its net assets of $3,191,574. This increase includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total income of $5,831,993, including employer contributions of $5,827,444 and other income of $4,549. Plan expenses were $2,640,419. These expenses included $716,875 in administrative expenses and $1,923,544 in benefits paid to participants and beneficiaries.

Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request.

The plan is self-insured and has committed to pay covered claims out of plan assets. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $1,078,270 as of December 31, 2013, compared to $740,535 as of January 1, 2013. During the plan year, the plan experienced an increase in its net assets of $337,735. This increase includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total income of $2,821,628, which included employer contributions of $2,780,486 and program revenue of $41,142. Plan expenses were $2,483,893. These expenses included $828,289 in administrative expenses, and $1,655,604 in benefits paid to participants and beneficiaries. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request.

The plan is self-insured and has committed to pay covered claims out of plan assets. Basic Financial Statement The value of plan assets, after subtracting liabilities of the plan, was $1,179,435 as of December 31, 2013, compared to $2,689,422 as of January 1, 2013. During the plan year, the plan experienced a decrease in its net assets of $1,509,987. This decrease includes unrealized appreciation or depreciation in the value of the plan assets; that is, the difference between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of the assets acquired during the year. During the plan year, the plan had total reduction of $21,986, including employer contributions of $-5,191, deferred contributions for overpayments of $-20,826 and interest income of $4,031. Plan expenses were $1,488,001. These expenses included $111,398 in administrative expenses and $1,376,603 in benefits paid to participants. Your Rights to Additional Information You have the right to receive a copy of the full annual report, or any part thereof, on request.

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www.1199SEIUBenefits.org

Maintaining a healthy lifestyle – getting regular exercise, eating nutritious meals, making time for yourself – can be a challenge during the winter months due to foul weather, busy schedules and holiday stress. To cope, some of us may turn to high-calorie, highfat “comfort� foods or even unhealthy behaviors, like smoking. We know how hard it can be to always practice healthy habits, so to help you stay on track, your Benefit Fund provides resources you can use to keep yourself and your family healthy all year long.

You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU/League Registered Nurse Training and Job Security Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU/League Registered Nurse Training and Job Security Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

The items listed below are included in that report: s )NSURANCEINFORMATION INCLUDINGSALESCOMMISSIONSPAIDBYINSURANCECARRIERS s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERSAND s !SSETSHELDFORINVESTMENT You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU/Greater New York Child Care Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU/Greater New York Child Care Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

SUMMARY ANNUAL REPORT 1199SEIU GREATER NEW YORK JOB SECURITY FUND This is a summary of the annual report for the 1199SEIU Greater New York Job Security Fund, EIN: 05-0557207, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering retraining, unemployment and continued health insurance benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Dear Members,

The items listed below are included in that report: s !NACCOUNTANTSREPORTAND s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERS

SUMMARY ANNUAL REPORT 1199SEIU/GREATER NEW YORK CHILD CARE FUND This is a summary of the annual report for the 1199SEIU/Greater New York Child Care Fund, EIN: 75-3086330, for the period January 1, 2013, to December 31, 2013. This is a welfare benefit plan offering child care benefits. The annual report has been filed with the Department of Labor, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Message from the Executive Director

The items listed below are included in that report: s !NACCOUNTANTSREPORT s &INANCIALINFORMATIONANDINFORMATIONONPAYMENTSTOSERVICEPROVIDERSAND s !SSETSHELDFORINVESTMENT You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report.

We know how hard it can be to always practice healthy habits, so to help you stay on track, your Benefit Fund provides resources you can use to keep yourself and your family healthy all year long.

One of those resources is your member magazine, For Your Benefit, and in this issue you will find practical strategies for protecting your health – starting with the Benefit Fund’s 2015 Protecting Our Health calendar. The calendar is filled with information on nutrition, fitness and mental health as well as reminders about health workshops and wellness programs provided by the Fund. If you are a smoker – or know one – we offer ways to kick the habit for good. In fact, you will learn how one of your fellow members, Jeffrey Lee, a Personal Care Assistant at Mount Sinai/Beth Israel Hospital, gave up smoking after a major health scare. We share tips on making meals healthier and give you five reasons why it is so important to exercise throughout the winter. And because there is no better way to protect yourself against the flu, we urge you to get your annual flu shot if you have not gotten one already. You will also find information about the valuable benefits your Fund provides, including our Tax Preparation Assistance Program, which helps thousands of members get more money back in their tax refunds every year and upcoming wellness workshops. If you attend one of those wellness events, you will not only get your own copy of the Fund’s 2015 Protecting Our Health calendar, but also a copy of the new 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout DVD and resistance band. We hope this issue of For Your Benefit helps prepare you to live more healthfully in 2015. Sincerely,

Mitra Behroozi Executive Director 1199SEIU Benefit and Pension Funds

To obtain a copy of the full annual report, or any part thereof, write or call the plan administrator, Board of Trustees of the 1199SEIU Greater New York Job Security Fund, PO Box 842, New York, NY 10108; (646) 473-6365. You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU Greater New York Job Security Fund, 330 West 42nd Street, 28th floor, New York, NY 10036, and at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1513, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, N.W., Washington, D.C. 20210.

This issue of For Your Benefit contains important information about your rights under your benefit plan and the Employee Retirement Income Security Act (ERISA), which you should read and retain for future reference.

FOR YOUR BENEFIT

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For Your Benefit

CONTENTS HEALTHY FITNESS

4 New Dental Plus Plan for Early Retirees

12 The Top 5 Reasons Winter Workouts Matter

Avoid Out-of-Pocket Costs by Using Participating Providers

MEMBERSHIP ADVANTAGES

5 Make Sure Your Tax Refund Is All

13 Live Healthfully All Year Long

MEMBER PROFILE 6 Jeffrey Lee

After a serious health scare, Jeffrey Lee put down cigarettes for good, and today he’s breathing easy.

HEALTHY LIVING 8 Quit for Life!

Stop Smoking and Start Living

9 Get the New Year Off to a Healthy Start at Our Wellness Workshop on January 24

HEALTHY EATING 10 A Healthy Spin on Comfort Foods 11 Try a Healthy, No-Fuss Soup

with the 2015 Protecting Our Health Calendar!

Our New 1199SEIU Benefit Funds Resistance Band Yoga/Pilates Workout Is Here!

14 Our 24-Hour Nurse Helpline

www.1199SEIUBenefits.org

Notice to: Participants and Beneficiaries of the 1199SEIU Health Care Employees Pension Fund. An application is to be made to the Internal Revenue Service for an advance determination on the qualification of the following employee pension benefit plan:

2.

Name of plan: The 1199SEIU Health Care Employees Pension Fund

3.

Plan number: 001

4.

Name and address of applicant: Board of Trustees of the 1199SEIU Health Care Employees Pension Fund PO Box 842 New York, NY 10108

5.

Applicant EIN: 13-3604862

6.

Name and address of plan administrator: Board of Trustees of the 1199SEIU Health Care Employees Pension Fund PO Box 842 New York, NY 10108

7.

The application will be filed on January 30, 2015, for an advance determination as to whether the plan meets the qualification requirements of §401(a) of the Internal Revenue Code of 1986, with respect to the plan’s amendment. The application will be filed with: Internal Revenue Service EP Determinations PO Box 12192 Covington, KY 41012-0192

8.

The Employees eligible to participate under the plan are: 243,579

9.

The Internal Revenue Service has previously issued a determination letter with respect to the qualification of this plan.

RIGHTS OF INTERESTED PARTIES 10. You have the right to submit to EP Determinations, either individually or jointly with other interested parties, your comments to EP as to whether this plan meets the qualification requirements of the Internal Revenue Code. Your comments to EP Determinations may be submitted to: Internal Revenue Service EP Determinations Attn: Customer Service Manager PO Box 2508 Cincinnati, OH 45202

Can Also Help You Control and Prevent Chronic Conditions 1.

Notice to: Participants and Beneficiaries of the 1199SEIU Greater New York Pension Fund. An application is to be made to the Internal Revenue Service for an advance determination on the qualification of the following employee pension benefit plan:

Our Prenatal Workshop Can Help Ensure You Have a Healthy Pregnancy

2.

Name of plan: The 1199SEIU Greater New York Pension Fund

3.

Plan number: 001

4.

Name and address of applicant: Board of Trustees of the 1199SEIU Greater New York Pension Fund PO Box 842 New York, NY 10108

5.

Applicant EIN: 13-6601940

6.

Name and address of plan administrator: Board of Trustees of the 1199SEIU Greater New York Pension Fund PO Box 842 New York, NY 10108

7.

The application will be filed on January 30, 2015, for an advance determination as to whether the plan meets the qualification requirements of §401(a) of the Internal Revenue Code of 1986, with respect to the plan’s amendment. The application will be filed with: Internal Revenue Service EP Determinations PO Box 12192 Covington, KY 41012-0192

15 Attending College in Academic Year 2015–2016? Request the Joseph Tauber Scholarship Application

16 2015 Eligibility Coupon for the

Anne Shore Sleep-Away Camp Program for Children Ages 9 to 15 Years

You may instead, either individually or jointly with other interested parties, request the Department of Labor to submit, on your behalf, comments to EP Determinations regarding qualification of the plan. If the Department declines to comment on all or some of the matters you raise, you may, either individually, or jointly if your request was made to the Department jointly, submit your comment on these matters directly to EP Determinations at the Cincinnati address previously mentioned. REQUEST FOR COMMENTS BY THE DEPARTMENT OF LABOR 11. The Department of Labor may not comment on behalf of the interested parties unless requested to do so by the lesser of 10 employees or 10 percent of the employees who qualify as interested parties. The number of persons needed for the Department to comment with respect to this plan is 10. If you request the Department to comment, your request must be in writing and must specify the matters upon which comments are requested, and must also include: (1) The information contained in terms 2 through 5 of this Notice; and (2) The number of persons needed for the Department to comment. A request to the Department to comment should be addressed as follows: Deputy Assistant Secretary Employee Benefits Security Administration U.S. Department of Labor 200 Constitution Avenue, N.W. Washington, D.C. 20210 Attention: 3001 Comment Request COMMENTS TO THE INTERNAL REVENUE SERVICE 12. Comments submitted by you to EP Determinations must be in writing and received by it by March 15, 2015. However, if there are matters that you request the Department of Labor to comment upon on your behalf, and the Department declines, you may submit comments on these matters to EP Determinations to be received by it within 15 days from the time the Department notifies you that it will not comment on a particular matter, or by March 15, 2015, whichever is later, but not after April 1, 2015. A request to the Department to comment on your behalf must be received by it by February 15, 2015, if you wish to preserve your right to comment on a matter upon which the Department declines to comment, or by February 25, 2015, if you wish to waive that right. ADDITONAL INFORMATION 13. Detailed instructions regarding the requirements for notification of interested parties may be found in sections 17 and 18 of Rev. Proc. 2014 – 6. Additional information concerning this application (including, where applicable, an updated copy of the plan and related trust; the application for determination; and any additional documents dealing with the application that have been submitted to the Internal Revenue Service) and copies of section 17 of Rev. Proc. 2014 – 6 are available in the 3rd floor Member Services Department at the offices of the Board of Trustees of the 1199SEIU Health Care Employees Pension Fund, 330 West 42nd Street, New York, NY 10036-6977 during regular business hours for inspection and copying. (There is a nominal charge for copying and/or mailing.)

NOTICE TO INTERESTED PARTIES

Manage Your Personal Health Information with “My Account”

The National Benefit Fund believes it is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the Affordable Care Act). As permitted by the Affordable Care Act, a grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted. Being a grandfathered health plan means that this plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for an external review process for claims appeals. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits. Questions regarding which protections apply and which protections do not apply to a grandfathered health plan and what might cause a plan to change from grandfathered health plan status can be directed to the plan administrator at (646) 473-9200. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at (866) 444-3272 or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.

2

1.

WINTER 2014–2015

BENEFITS UPDATE AND NEWS

It Can Be with the Earned Income Tax Credit

NOTICE TO INTERESTED PARTIES

8.

The Employees eligible to participate under the plan are: 38,412

9.

The Internal Revenue Service has previously issued a determination letter with respect to the qualification of this plan.

RIGHTS OF INTERESTED PARTIES 10. You have the right to submit to EP Determinations, either individually or jointly with other interested parties, your comments to EP as to whether this plan meets the qualification requirements of the Internal Revenue Code. Your comments to EP Determinations may be submitted to: Internal Revenue Service EP Determinations Attn: Customer Service Manager PO Box 2508 Cincinnati, OH 45202

You may instead, either individually or jointly with other interested parties, request the Department of Labor to submit, on your behalf, comments to EP Determinations regarding qualification of the plan. If the Department declines to comment on all or some of the matters you raise, you may, either individually, or jointly if your request was made to the Department jointly, submit your comment on these matters directly to EP Determinations at the Cincinnati address previously mentioned. REQUEST FOR COMMENTS BY THE DEPARTMENT OF LABOR 11. The Department of Labor may not comment on behalf of the interested parties unless requested to do so by the lesser of 10 employees or 10 percent of the employees who qualify as interested parties. The number of persons needed for the Department to comment with respect to this plan is 10. If you request the Department to comment, your request must be in writing and must specify the matters upon which comments are requested, and must also include: (1) The information contained in terms 2 through 5 of this Notice; and (2) The number of persons needed for the Department to comment. A request to the Department to comment should be addressed as follows: Deputy Assistant Secretary Employee Benefits Security Administration U.S. Department of Labor 200 Constitution Avenue, N.W. Washington, D.C. 20210 Attention: 3001 Comment Request COMMENTS TO THE INTERNAL REVENUE SERVICE 12. Comments submitted by you to EP Determinations must be in writing and received by it by March 15, 2015. However, if there are matters that you request the Department of Labor to comment upon on your behalf, and the Department declines, you may submit comments on these matters to EP Determinations to be received by it within 15 days from the time the Department notifies you that it will not comment on a particular matter, or by March 15, 2015, whichever is later, but not after April 1, 2015. A request to the Department to comment on your behalf must be received by it by February 15, 2015, if you wish to preserve your right to comment on a matter upon which the Department declines to comment, or by February 25, 2015, if you wish to waive that right. ADDITONAL INFORMATION 13. Detailed instructions regarding the requirements for notification of interested parties may be found in sections 17 and 18 of Rev. Proc. 2014 – 6. Additional information concerning this application (including, where applicable, an updated copy of the plan and related trust; the application for determination; and any additional documents dealing with the application that have been submitted to the Internal Revenue Service) and copies of section 17 of Rev. Proc. 2014 – 6 are available in the 3rd floor Member Services Department at the offices of the Board of Trustees of the 1199SEIU Greater New York Pension Fund, 330 West 42nd Street, New York, NY 10036-6977 during regular business hours for inspection and copying. (There is a nominal charge for copying and/or mailing.)

FOR YOUR BENEFIT 35


1199SEIU Benefit and Pension Funds 330 West 42nd Street New York, NY 10036-6977 www.1199SEIUBenefits.org

Non-Profit Org. U.S. Postage PAID New York, NY Permit No. 3700

ADDRESS SERVICE REQUESTED

Important Benefit Notices Inside this Issue

DEDICATED TO THE HEALTH & WELL-BEING OF 1199SEIU MEMBERS

For Your Benefit EN ESPANOL p17

Meet Our Featured Member Avisos Importantes sobre Beneficios en este Numero

Join Fellow Members on Our Facebook Page Our 1199SEIU Benefit and Pension Funds’ Facebook page is helping thousands of members stay up to date on the latest benefit and pension news, health fairs, workshops, wellness news and more. If you’re not yet one of them, just visit www.Facebook.com/1199SEIUBenefitFunds and click on “Like.” We think you’ll be glad you did.

Únase a los Compañeros Miembros en Nuestra Página de Facebook La página de Facebook de nuestros Fondos de Beneficios y Pensiones de 1199SEIU está ayudando a miles de miembros a mantenerse al día de las últimas novedades sobre beneficios y pensiones, ferias de salud, talleres, noticias sobre bienestar y mucho más. Si usted todavía no es uno de ellos, simplemente visite www.Facebook.com/1199SEIUBenefitFunds y haga clic en “Like” (Me gusta). Estamos seguros de que se alegrará de hacerlo.

WINTER 2014–2015

Jeffrey Lee After a serious health scare, Jeffrey Lee put down cigarettes for good, and today he’s breathing easy.

Update New Dental Plus Plan for Early Retirees

Plus! Make Sure Your Tax Refund Is All It Can Be with the Earned Income Tax Credit


NBG/GNY For Your Benefit Magazine - Winter 2014-2015