Trusted, Certified,
and Fully Compliant
At Union Plan 125, compliance isn’t just a box we check — it’s the foundation of everything we do.
Our programs are built on verified, IRS Section 125 IRC Cafeteria Plan standards, ensuring every benefit is delivered transparently, ethically, and within federal guidelines. This structure protects unions, employers, and members alike, offering confidence that the CHAMP Plan™ meets the highest standards of compliance and accountability.
Each partner and process has been vetted to ensure the plan remains fully compliant under current tax law, HIPAA privacy standards, and Department of Labor regulations. We work closely with experienced third-party administrators, payroll specialists, and benefits auditors so that every implementation runs smoothly and without risk.
Compliance Credentials
IRS Section 125 IRC Cafeteria Plan Approved
- Fully authorized as a IRS Section 125 IRC Cafeteria Plan, allowing members to use pre-tax dollars for qualified health and wellness benefits.
Non-Interfering Benefit
- The CHAMP Plan™ is an overlay, designed to complement existing major medical coverage, not replace or conflict with it.
501(c)(3) Ready
- Includes an optional Community Support Program that enables participating locals to direct a portion of tax-advantaged savings toward verified nonprofit initiatives.
Accreditations & Partnerships
- Proudly recognized and affiliated with respected labor organizations, including AFL-CIO Affiliates, IBEW, and Teamsters, reinforcing our nationwide credibility and trust within the union community.
Download Program Overview PDF
An overview of the CHAMP Plan™ benefits and structure — perfect for introducing the program to members, leadership teams, or partner organizations.