Guide / Hour Bank
Benefits OS · Hour bank · Taft-Hartley administration
Hour banks are simple on paper and brutal in a spreadsheet
Work 140 hours, need 120 to keep coverage, bank the extra, draw down in January. Every seasonal local knows the idea. Almost none can show a member a trustworthy balance without a side file named FINAL_v7. Submit the CBA. We run the bank as software.
The rule is in the agreement
Hour-bank math is a benefits article plus trust language: monthly threshold, cap, lookback, self-pay, COBRA handoff, what counts as an hour. It is also one of the fastest ways a fund office loses trust ("my bank was 80 last month"). See the FAQ on hour banks and the clause library.
What the software has to get right
- Hours in from employer reports, not from memory
- Caps and decay applied the same way every cycle
- Member-visible balance in the portal
- Lapse warnings before coverage dies
- COBRA and self-pay as first-class states, not a sticky note
That is Benefits OS sitting next to Pension OS. Same member, same employers, same CBA. The 1-day stand-up reads both contribution rates and bank rules from the same upload.
The 1-day offer
Submit your CBA. Get an AI system.
Upload the agreement. AI maps every rule and stands up pension, benefits, dues, dispatch, grievances, and a member portal on your contract. People approve before any money moves. The analysis is free.