Part II: Summary Plan Description & FAQ's

Before we get down to the specifics of the Plan, we would advise you to read the definitions contained in Section l of the Plan Document. If you refer to these definitions as you are reading this booklet, it will help to make the Plan easier to understand.

We have attempted to write this Summary Plan Description in language that is simple. Yet, any employee benefit plan, by its very nature, has unique terms. Please look carefully at the definitions including, but not limited to “Participant”, “Covered Family Member”, “Covered Child”, “Employee”, “Hospital”, “Physician”, “Primary Care Physician”,   “Incurred”, “Preferred Provider Organization (PPO)” and “Period of Confinement or Disability”. This will enable you to become more familiar with the Plan. When the word "Participant" is used in the Summary Plan Description it shall apply to Employee and Dependent Participants, unless otherwise noted.

If you have any questions, please do not hesitate to contact the Fund Office.  The official text of the Plan is set forth at Part III of this Site.  Always bear in mind that the written terms of the entire Plan govern, no matter what anyone else tells you. The Plan may be amended from time to time by the Trustees. Such amendments will be posted to the Plan's web site ( and will be distributed to each participant as a supplement to the published booklet.

You should also bear in mind that the Trustees of the Fund, or such representatives as they designate, have full authority in their absolute discretion to determine the nature and amount of benefits to be provided by the Plan, eligibility to participate in the Plan and eligibility to receive benefits from the Plan, together with all questions, policies and procedures relating to those subjects. All decisions and determinations of the Trustees or their designees are final and binding on all Participants and other interested parties.