United Food & Commercial Workers

Unions and Employers

Midwest Health and Pension Funds

UFCW Calumet Region Insurance Fund


This website provides benefits information for persons enrolled in Plan D5 and Plan B5 and whose employer contributes to this Health Fund based on contracts negotiated between the stores and the UFCW local unions.

The Fund Office is located in Illinois and our coverage area is, generally, Illinois and the surrounding states.

Benefit information on other plans offered by the Fund is not included in this website presentation. For information on these plans, refer to your Summary Plan Description (plan booklet) or contact the Fund Office.


People often ask about....

Maternity Benefits

Disability Income Protection

Work-Related and On-the-Job Injuries

Surgical Benefits and Information

Stop Smoking Benefits

Traveling Outside of the United States or Canada

Grandfathered Plan

The UFCW Unions and Employers Midwest Health Benefits Plan 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 the law was enacted. Being a grandfathered health plan means that your plan may not include certain consumer protections of the Affordable Care Act that apply to other plans; for example, the requirement for the provision of preventive health services without any cost sharing. 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 UFCW Midwest Benefits Fund, 18861 90th Avenue, Suite A, Mokena, IL 60448-8178, 800-621-5133. 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.


(Updated 10/15/14)