Today's Tri-State Carpenters and Joiners Health & Welfare and Pension Trust Funds are
the result of many years joint effort by labor and management dating back to the 1960's.
At that time, the Chattanooga Chapter of the Associated General Contractors of America
and the Tri-State Carpenters and Joiners District Council of Chattanooga, Tennessee,
and Vicinity worked together to establish these funds for the betterment of the carpenter
The Health & Welfare Trust Fund was formed in 1968 and the Pension Fund followed in 1970
as a result of a need by the carpenter and millwright and a desire by the contractor to
provide for their valued employees. Initially all trustee meetings were held at night,
with volunteered hours to avoid someone missing their “day job” and pay, avoiding the
funds having to pay a member for missing work. Today, more than 35 years later, due to
countless hours of oversight from labor and management trustees, both Funds are actuarially
sound and thriving.
Today’s Health & Welfare Trust Fund has grown to include carpenters and millwrights from
Regional Councils and local unions in Tennessee, Alabama, and Mississippi. In 2005, the
Health & Welfare Fund provides excellent health and wellness benefits to over 1,350 carpenters
and millwrights and their families, protecting a total of approximately 3,500 individuals.
The Pension Plan includes carpenters and millwrights from local unions and District Councils
in East Tennessee and Northern Alabama. The Pension Plan has 1,640 active pensioners that receive
a monthly check and another 2,500 working carpenters and millwrights that are fully vested when
their retirement day comes. Due to the excellent management of the Joint Trustees and consultants
retained by them, the actuarially sound program pays out benefits in excess of $10 million annually
to the active pensioners and beneficiaries.
The working and retired carpenter or millwright owes a debt of gratitude to the many dedicated
labor and management trustees who have worked tirelessly, without pay, to see these programs thrive.