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We are pleased to provide you with this Summary Plan Description booklet that describes the comprehensive program of Health and Welfare Fund benefits available to you and your eligible dependents as of June 1, 2017.

We encourage you to review this booklet carefully so that you are aware of all of the benefits to which you are entitled as well as some important restrictions and responsibilities. Our goal is to present and explain your benefits in language that is easy to understand. However, sometimes we must use terms that are not used in everyday conversation for legal reasons. Terms and phrases that fall into this category are either explained in the context of their sections or are listed alphabetically in the Glossary at the end of this booklet.

This booklet provides a summary of the Fund rules as in effect as of June 1, 2017. If the facts and circumstances of a particular situation must be considered for a time before June 1, 2017, the provisions of the Fund in effect at the relevant date must be applied. Those provisions may be different from the current rules as explained in this booklet.

This booklet is only a summary of the Health and Welfare Fund rules. The complete rules of the Plan are contained in Rules and Regulations Providing Health Care Benefits for Active Employees, and Rules and Regulations Providing Health Care Benefits for Retired Employees, which are available upon request from the Fund Office. If there is any conflict between the information in this booklet and the Plan rules, the Plan rules will govern.

For your protection, only the Board of Trustees is authorized to interpret the rules of the Fund. Information you receive from the Union or employers or their representative should be regarded as unofficial. Official information about your rights under the Fund must be communicated to you, in writing, signed on behalf of the Board of Trustees. The Board has authorized the Fund Office to communicate with participants on its behalf. Please remember to keep the Fund Office informed of any change in your mailing address. This will ensure that you receive all communications.

The Health and Welfare Fund has been providing benefits for over 60 years. We are proud of the success of the Fund and believe it will continue to provide significant benefits to participants and their families for many years to come.



Revised 01/2020