stldude,that's your right it pays the office grils ,your B.A.'s an a portion goes to the IBT who in return negotiate your contract.Because of them negotiating with the company, they where able to get the company to pay your Health Ins. an contribute to your pension under the MNFA.So what I'am trying to say,in a simple sort of way,is that when you pay your dues,you get the above under the MNFA.In a way, your dues pay for your health Ins, you don't pay dues and health Ins.correct,what we would like is to have the same health bennies you have in the MNFA, and i have, and gladly will, pay my dues