Our Members at Work
The Workforce We Serve
From home health aides and long-haul drivers to warehouse floors, IBOTU protects the workers who keep America running.
The International Brotherhood of Trade Unions Local 713 delivers comprehensive health and welfare benefits to over 22,000 union members — with self-insured plans that save money and maximize flexibility.
From home health aides and long-haul drivers to warehouse floors, IBOTU protects the workers who keep America running.
Unlike traditional fully-insured plans where a carrier pockets the profit margin, self-insured plans allow IBOTU to put those savings directly back into member benefits and employer pocketbooks. We assume the risk — and pass the reward along.
IBOTU administers a full spectrum of health and welfare programs designed to protect union members and their families across America.
In-patient, out-patient, specialist and preventive care through a broad national provider network.
Managed pharmacy with formulary flexibility, mail-order and specialty drug coverage.
Preventive and restorative dental, plus annual eye exams, frames and lenses.
Group term life and accidental death coverage for members' families.
Income replacement when illness or injury keeps a member from working.
Behavioral health coverage, Employee Assistance Programs and wellness initiatives.
Consistent negotiated increases that keep pace with the cost of living.
Bargained protection against arbitrary termination, layoffs and outsourcing.
IBOTU exists for one reason: to provide the strongest possible benefits at the lowest responsible cost for union members and contributing employers across America.
By pooling members from numerous employers, IBOTU achieves purchasing power far beyond what any single employer could attain — driving down costs across medical, pharmacy, dental, and ancillary benefits.
As a Taft-Hartley trust fund, IBOTU's trustees are legally required to act solely in the interest of plan participants and beneficiaries — not shareholders, not insurers, not employers.
Dedicated benefit professionals manage eligibility, claims, appeals, and compliance — ensuring members receive what they are entitled to and employers meet their obligations seamlessly.
IBOTU is not-for-profit by design. Surplus contributions are reinvested into benefit improvements, reserves, and premium stability — not extracted as carrier profit or administrative fees.
IBOTU's proactive medical management, pharmacy carve-outs, and aggressive network negotiations have a proven track record of reducing per-member costs while maintaining robust benefits.
As a multi-employer fund, members retain continuous coverage as they work across participating employers nationwide — eliminating coverage gaps common in single-employer plans.
Switching to IBOTU's self-insured plan was one of the best decisions our local has made. Our members kept every benefit they had — and our employers saw real, meaningful cost reductions within the first year.
The transparency alone is worth it. For the first time, we actually understand where our benefit dollars are going — and IBOTU uses that data to fight for us every time a contract renewal comes around.
As a small contractor contributing to multiple union funds, IBOTU simplified our benefits administration enormously. One fund, comprehensive coverage, competitive contributions. Our workers have never been better protected.
Whether you are a union local exploring benefit options, an employer seeking to understand your obligations, or a member with a question about coverage — IBOTU is here to help.