The SUB Plan
For Employees
Keep Getting Paid When Work Stops
Your employer contributes fringe dollars into an account held in your name. When a layoff, weather delay, or short work week hits, those dollars come back to you — fast.
What Is a SUB Plan?
Your Fringe Dollars, Working for You
As a construction worker, you've probably experienced involuntary missed work — a rained-out day, a job that got pushed back, a seasonal slowdown. Those gaps in your paycheck are real, and they add up.
The PSG SUB Plan is a benefit your employer funds on your behalf. For every hour you work on a prevailing wage job, fringe dollars go into an account held in your name. When work stops through no fault of your own, those dollars come back to you — fast.
No waiting until retirement. No penalties. Just your money, when you need it.
Safe
Your benefit money is held in an account backed by a fully insured and bonded trust. It's your money — protected and accounted for.
Accessible
Unlike a 401(k), you don't have to wait until retirement. Benefits are paid out quickly when you experience an involuntary work stoppage.
Portable
Your account balance stays in your name even if you change employers. If you move to another participating employer, your funds transfer with you.
Convenient
Receive benefit payments via direct deposit to your bank account or by check — whichever works best for you.
When You Can Draw Benefits
Common Qualifying Situations
You may be eligible any week you work fewer than 36 hours due to circumstances outside your control.
Equipment Breakdown
An important piece of equipment goes down on the jobsite and sends you home for the day. That's an involuntary work stoppage — and the SUB Plan can replace those lost hours.
Weather Delays
Your foreman calls to say inclement weather means no work today. Rain days, snow days, extreme heat — if work is unavailable through no fault of your own, you may qualify for benefits.
Seasonal Layoffs
The office lets you know you'll be laid off for two weeks while they wait for the next job to start. The SUB Plan is designed exactly for this — bridging the gap between projects.
Short Work Weeks
Any week you work fewer than 36 hours due to circumstances outside your control, you may be eligible to draw SUB Plan benefits to bring your total compensation closer to a full week's pay.
How It Works
From Contribution to Your Pocket
01
Employer Contributes
For every hour you work on a qualifying job, your employer deposits fringe dollars into your personal account inside the SUB Plan trust.
02
Your Balance Grows
Contributions accumulate in your account — up to 26 weeks of pay at your current hourly rate. You can check your balance online at any time.
03
You Draw When Needed
When you experience an involuntary work stoppage, your employer submits a request confirming work wasn't available. PSG approves and pays you directly.
Stacks with state unemployment benefits
SUB Plan benefits are paid in addition to — not instead of — state unemployment benefits. You can collect both at the same time, giving you the most complete income replacement possible during a layoff.
FAQs
Employee Questions
Questions About Your Account?
PSG is here to help. Whether you have questions about your balance, eligibility, or how to request benefits — give us a call or send us a message.