Local 4 members work hard, often in physically demanding jobs, and deserve great health and retirement benefits. Thanks to the steady leadership of our Funds’ Trustees and contributions generated by your work, we are able to provide a comprehensive health care plan and retirement plans that will allow you to retire with dignity.

Important Updates from the Funds Office


Join us for the Local 4 Health & Welfare Plan’s 5K! Participants can run, walk, or come out and spend the morning with their fellow members. Attendees can connect with the Plan’s healthcare partners. The event will also include activities for kids and Local 4 water bottles! 

Date: Sunday, June 9, 2024
9 a.m. – 12 p.m.
NEW LOCATION: Bellingham High School, Bellingham, MA 02019

New Coverage for Annual Mental Health Wellness Exam

Starting March 31, 2024, Blue Cross will cover an annual mental health wellness exam. This exam may be conducted as part of the annual preventive visit with a primary care provider (PCP), or as a standalone visit with a PCP or licensed mental health professional. Because the mental health wellness exam is considered preventive care, there is no out-of-pocket cost for members in most plans.

The annual mental health exam is covered as required by the Act Addressing Barriers to Care (ABC Act) to improve mental health care across Massachusetts.

What is the mental health wellness exam?

The exam will consist of taking the patient’s mental health history, a mental health exam and appropriate screening tests, shared decision making (that could include lifestyle education and counseling), and a discussion about next steps. This may include referrals for treatments and medication options. The mental health wellness exam may or may not result in a diagnosis.

Who may administer the exam?

  • A licensed mental health professional
  • A PCP, including OB/GYNs, as a separate exam or as part of the annual wellness visit.
  • If you have any questions, please contact Blue Cross Blue Shield Member Service at 800-401-7690.

Great news! The IUOE Local 4 Annuity & Savings Plan’s transition to Fidelity is complete. You can now log on to Fidelity NetBenefits to access your account. Visit to register as a new user and set up a username and password or use your existing login information if you have an account already with Fidelity.

Once you’ve logged in you’re able to review your account balance and investment options and make changes if needed, as well as add your preferred email address to your profile.

Download the NetBenefits mobile app to access your account virtually anytime, anywhere.

Attached please find an important document with highlights on the Fidelity transition. 

Upcoming Fidelity Retirement Planning Workshops
Join your fellow Annuity & Savings Plan participants to learn about paving the road to retirement by attending two upcoming webinars!
Each session, hosted through Webx, will typically last 45-60 minutes, with time for Q&A during and after. Each workshop is intended to be interactive for all attendees.
To register for one or both webinars, click on the links above, or log into your Fidelity NetBenefits account and route to the Learning Management System, Saba, where you can enroll in the desired webinar.

Meet with a Fidelity Workplace Financial Consultant!

Additional Virtual 1:1 Appointments Available! Thursday, June 27th 7:00AM – 7:00PM

Derek Cunningham, CRPC® is available to meet with Annuity Participants to help plan for their financial future. Click here to learn more.

New Employee Assistance Program with Lyra Health

When life gets busy, it can be hard to prioritize your mental and emotional well-being. At Local 4, we’re dedicated to providing you and your dependents with the support you need, which is why we’re introducing Lyra Health as a new mental well-being benefit.

Click on Lyra’s logo to view an informational flyer.

Lyra at a Glance
Lyra provides care for your emotional and mental health, how, when, and where you need it, at no cost to you. Whether you’re feeling stressed, anxious, or depressed, short-term support from Lyra can get you back on your feet. With online tools, research-backed therapeutic methods, and top therapists, coaches, and digital tools, you and your dependents can tap into an easy, convenient way to get unstuck in just a few months.

To learn more about Lyra Health, visit or call (844) 926-2482 24/7/365 to speak with a Lyra Care Navigator.

2023 Form 1095-B

In accordance with guidance from the Internal Revenue Service, the IUOE Local 4 Health & Welfare Fund will not be distributing Form 1095-B to individuals documenting coverage for the tax year 2023. You will continue to receive a Form 1099-HC from Blue Cross Blue Shield.  Individuals who wish to receive a copy of their 1095-B may send a request to [email protected] or to the following address:

IUOE Local 4 Funds
Re: Form 1095-B Inquiry
P.O. Box 680
Medway, MA 02053-0680

Funds’ Office Social Worker Available for Therapy

Karen Larsen, LICSW, Social Worker and Care Coordinator in the Local 4 Funds Office can see members and their dependents 18+ for teletherapy services. Virtual sessions are available for those residing in Massachusetts and Maine. Karen uses a collaborative approach to identify strengths to find strategies to help you reach your goals. Karen’s areas of focus include life transitions, loss and grief, issues of caregiving, the aging process, and anxiety. Please contact Karen at 508-533-1400 ext. 127 for a brief consultation to discuss if this is the right fit for you. Karen can also provide assistance in locating mental health providers in the event that it is not a suitable match.

For information about your rights under the No Surprises Act and Transparency in Coverage Rule, please click here.

Health and Welfare Plan

Our Health and Welfare Fund provides a comprehensive insurance benefit plan for eligible members and their families.

Pension Plan

Our Pension Plan provides vested members, qualified surviving spouses, and other beneficiaries with a guaranteed retirement benefit.

Annuity and Savings Plan

Our Annuity Plan provides an additional way to prepare for retirement through a participant-directed account with an optional 401(k) component.

From the Funds Administrator

Plan Participants,

It’s my honor to serve the Local 4 community as your Funds Administrator. At the Operating Engineers Local 4 Benefit Funds, we’re committed to making sure that you have all of the resources you need to live a happy, healthy life. We proudly offer comprehensive healthcare and retirement plans that put Local 4 families first.

Our team’s commitment to you and your family continues through our brand-new website. I hope it’s a place you can learn about your benefits and our many service offerings, access important documents, and plan for your future. We’ll be updating this site with real-time updates, so please visit regularly for the latest news and announcements.

As always, we are ready to assist in any way. If you have any questions, click here to get in touch with us.

Gregory A. Geiman, Esq.
Local 4 Funds Administrator

2023 Local 4 Health & Welfare Plan 5K

Contact the IUOE Local 4
Benefit Funds Office

Click the button below to get in touch with us – office location, phone, fax, and email!

Local 4 helmet