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As a member of the St. Louis Construction Laborers', you may be eligible for health coverage. If you work for a contributing employer in St. Louis City or County, contributions are made to the Benefit Office for every hour you work as a laborer. You qualify for coverage by working one (1) quarter with at least 275 working hours in that quarter of covered employment (CE) or 800 hours in four (4) consecutive quarters.

Working Quarter

Coverage Quarter

Sept., Oct., Nov.

Jan., Feb., March

Dec., Jan., Feb.

April, May, June

March, April, May

July, Aug., Sept.

June, July, Aug.

Oct., Nov., Dec.


St. Louis Laborers' Benefit Office:


Midwest Region Laborers' Health and Safety Fund

The Midwest Region Laborers’ Health and Safety Fund (MRLHSF) was established in 1999 to assist union members and signatory contractors in protecting their welfare on and off the jobsite. The Health and Safety Fund coordinates activities with Local Unions and signatory contractors to increase worker productivity and decrease worker injuries through the creation of a safe, healthier workplace.

If you have questions about the Health and Safety Fund please phone: (217) 522-3293 or(800) 218-2253 or visit the website at

American Income Life

If you have a policy with American Income Life and you are laid off you can fill out this waiver to suspend your payments while still maintaining coverage. 

Lay-Off Waiver


No Health Insurance?

There is a program for you!

Affinia Healthcare has a program called Gateway to Better Health. It is a program for uninsured adults, ages 19-64 who live in St. Louis City or County and meet other eligibility criteria. The program covers some preventive, primary, specialty and urgent care services and does not require monthly premiums. 

Optum Perks - Free prescription discount card for use with or without insurance

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United Way

 Dial 2-1-1 for Help

United Way is dedicated to the health and well-being of all members of our community.

Read More


Steps and Services

Construction consistently ranks among the most dangerous occupations in the U.S. so it makes sense that construction laborers are more likely to be in pain - and seek relief from that pain - than the average employee. 

LIUNA General President Terry O'Sullivan : "Opioids have become another occupational hazard in the construction industry. LIUNA and its signatory partners fight every day to keep Laborers safe from hazards ranging from trench collapses to asbestos and silica. it's time to start counting opioids on this list of potential hazards and finding ways to prevent them from harming LIUNA members and their families."

Laborers' Addiction Program Information

Recovery Checklist