Principal Issues: What is the taxable status of a construction industry multi-employer health and welfare trust that proposes amending its trust agreement to permit a distribution of excess contributions to employees?
Position: Question of fact, but generally where excess contributions are paid to employees, the trust will not qualify as a health and welfare trust. Payments to employees would be taxable employment income in the year received. Since the trust would not be considered a health and welfare trust, contributions by employers would be considered capital contributions to the trust and therefore, would not be deductible in computing business income of the employers. The trust itself would be taxed the same as any other trust. We would not, however, generally be concerned with a situation in which the excess contributions are paid to the employees in the same taxation in which the employer deducts the contributions.
Reasons: As noted in paragraph 6 of IT-85R2, to qualify for treatment as a health and welfare trust the funds of the trust cannot revert to the employer or be used for any purpose other than providing health and welfare benefits for which the contributions are made. To avoid adverse tax consequences when surpluses occur, otherwise qualifying health and welfare trusts generally have a contribution holiday for employers or increase benefits coverage for employees.