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Welcome to the Carpenter Funds Administrative Office website!

We are your partners in all things benefit related and are proud to support the needs of our Northern California Carpenter Participants and their Dependents. This site provides general benefit information, forms, documents and other related details.

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Top FAQs

How do I become eligible?
See the Active Eligiblilty Page for details.
Active H&W: Eligibility & Hour Bank
When can I retire?
If you are eligible, your Normal Retirement Age is age 65 or your age on your fifth anniversary of participation, if you are older than age 65. However, you may be able to Retire before your Normal Retirement Age, if you meet certain age and service requirements as explained in the Pension FAQs section. In order to receive pension benefits, you MUST be Retired from the Building and Construction Industry and you must have fulfilled all the conditions to be entitled to benefits.
What is an Individual Account, and how does money accumulate in it?
Your Individual Account is the amount of money that you will be entitled to receive from the Annuity Fund once you retire. Your employer makes contributions to your Individual Account based on the amount of hours you work and the designated contribution rate for your craft.
Can I take a loan from my 401(k)?
The Plan allows you to borrow against the value of your account balance. It’s a way for you to borrow your own money. The interest you pay on your loan goes back into your own Plan account. You can model your repayment schedule and apply for a loan by contacting John Hancock. Loan documentation and processing instructions will be mailed to you.

A loan setup fee of $100 will be deducted from your account each time you initiate a Plan loan. You may have no more than two loans outstanding at any time. The interest rate is fixed and will be equal to the Prime Rate (as published in The Wall Street Journal on the day the loan is initiated).

The minimum amount you can borrow is $500. The maximum loan amount available to you will be determined by your account balance. You may borrow up to the lesser of 50% of your account balance or $50,000.
How do I request an Early Withdrawal from my Vacation, Holiday and Sick Leave account?
If you have a Direct Deposit authorization on file, you can log into your Participant Portal to make a rapid Benefit Payment online.
Haven't signed up for Direct Deposit yet?
- Sign up today or
- Complete an Early Vacation or Sick Leave Withdrawal Form and return it to us.
Participant Portal Login Direct Deposit Form Early Vacation or Sick Leave Withdrawal Form

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