Language
| Member Portal
MAC Benefits

MAC Benefits

OCTOBER 1, 2026

STL Pension Fund Merger.

Welcome to the MACRC Pension Fund. This page provides information and documents necessary to setting up your pension beneficiaries, direct deposit, and more.

View Merger Documents

Events

In-person seminars

In-person informational seminars about the STL| MACRC Pension Fund will be held at the St. Louis Health Fair in September. For those unable to attend in person, a recorded informational webinar will be available later this summer.

MAC Benefits

Member Portal and Tutorial Updates

Your Member Portal is now available. Watch the video tutorial for assistance with the creating your personal login. This is the same Member Portal you already use to access your health, pension, annuity, and, if applicable, vacation benefits.

Through the Member Portal, you can securely:

  • Access your defined pension benefit details 24/7
  • GoGreen – set up electronic notifications
  • Update your address, phone number, and email
  • Review your reported contributions
  • Complete online forms
  • Upload documents and forms
  • View pension payments made from the MACRC Pension Fund
  • Update your direct deposit
  • View pension projections

Access your Member Portal here, as well as at the top of this page.

Resources

Document Search

Below are the participant and retiree communications mailed to St. Louis participants. For questions, refer to each document’s listed contact, as contacts may change over time. If you need another copy of any mailed form, please contact the MACRC Pension Fund.

Support

Frequently Asked Questions

Click on the questions to the right to view commonly asked questions and answers.

September 1, 2026

The MACRC Fund issues payments on the 1st of the month or next business day if the 1st falls on a weekend or holiday.

Yes and No.

Payment Amount. Your monthly pension payment amount will not change as a result of this merger.

Direct deposit. The MACRC Fund requires payments to be made by direct deposit. If you are receiving monthly payments by check, you will receive a direct deposit form from the MACRC Pension Fund in August.

Tax withholding. Federal tax withholding will remain the same.

Locals 32, 57, 92, 97, 662, 664, 1310, 1529, 1596, 1770, and 1839

Questions about payments, service, or benefits will remain unchanged before and after October 1, 2026:
St. Louis Benefit Office: Call (314) 644-4802 or toll-free (877) 232-3863

No. This merger does not reduce or decrease the vested benefit of any participant in the St. Louis Pension Fund accrued through September 30, 2026.

No. Health care premium deductions will remain the same. The MACRC Fund will continue sending deducted premiums to the MACRC Health Fund.

It depends on how you receive your monthly payments and if we receive your forms timely.

  • Monthly payment by direct deposit:
    • No. Pension payments made by direct deposit are expected to continue on their normal monthly schedule.
  • Monthly payments by check:
    • Possibly. Retirees currently receiving paper checks are required to enroll in direct deposit. To avoid any delay in receiving pension payments, retirees currently receiving checks must complete and return the Direct Deposit form that will be mailed in August.

  • Retirements beginning before October 1, 2026 are handled by MAC Benefits in the St. Louis office under St. Louis Pension Fund rules.
  • Retirements on or after October 1, 2026 are handled by the MAC Benefits in both the Chicago and St. Louis offices under MACRC Pension Fund rules.

Please note that plan rules regarding work before and after October 1, 2026, may differ, and different rules could apply depending on when work is performed.

Yes. Normal Retirement age under the St. Louis Pension Plan is age 62, and Normal Retirement Age under the MACRC Pension Fund is age 65. Early retirement rules differ depending on which benefit is being paid.

The MACRC Fund will be sending a detailed informational mailing describing plan differences in August 2026, followed by mailing of the Summary Plan Description after October 1, 2026.

It depends on when the service was earned:

  • Before October 1, 2026: Your benefits are generally governed by the St. Louis Pension Plan.
  • On or After October 1, 2026: Your benefits are governed by the MACRC Plan.

Yes. After October 1, the MACRC Fund’s plan rules apply. A formal IRC Section 204(h) notice and detailed informational mailing describing plan differences will be distributed by MACRC in August 2026. The MACRC Pension Summary Plan Description will be mailed later this fall.

Depends.

  • Retirees receiving a monthly pension:
    • Yes. You will need to complete a Beneficiary Designation Form to receive a new $3,000 death benefit available under the MACRC Fund. If you are receiving a monthly benefit, you are eligible for this benefit. If you wish to update where your monthly payment is deposited, you may contact the MACRC Fund Office to request a form. Beneficiaries receiving a monthly benefit payment are not eligible for the $3,000 death benefit.
  • Retirees and Beneficiaries receiving a monthly check by mail:
    • Yes. You will be required to complete and return a Direct Deposit form to the MACRC Fund Office as soon as possible. The MACRC Fund requires monthly payments to be made by direct deposit. Direct deposit forms will be mailed in May to anyone receiving a paper check; however, if any pension participant would like to update their banking information, you may contact the MACRC Fund Office to request a form.
  • All Retirees and Beneficiaries receiving a monthly pension in any payment method:
    • Possibly. You may also want to update your direct deposit or federal tax withholding elections. Please contact the MACRC Fund Office to request tax forms.
  • Beneficiaries receiving a monthly payment by direct deposit:
    • No. Unless you want to update your current banking information or update the taxes being withheld, you will not need to complete any paperwork.
  • Actives and Vested Deferred (vested but no longer working) participants:
    • Yes. You will need to complete a new MACRC Pension Fund Beneficiary Designation Form to ensure we have the most current beneficiary on file.

October 1, 2026