A word from the Health Trustees
The Board of Trustees, acting as a body, and only the Board of Trustees, has full authority
to interpret and construe the terms of the Plan and the Trust, including such things as
provisions establishing eligibility for benefits, the manner in which hours of work are
credited for eligibility, the continuance or discontinuance of benefits, the status of any
person as a covered or non-covered Participant, and the level and type of benefits, as well
as all other matters.
The Board of Trustees, acting as a body, and only the Board of Trustees, has the right to
amend or terminate the Plan of benefits and the Trust Agreement. Any discretionary action
taken by the Board of Trustees in determining any matter, including your rights or benefits
under the Plan, will be decided in a nondiscriminatory manner, as required by law. Any
determination made by the Board of Trustees with respect to your rights or benefits will be
entitled to the maximum deference permitted by law and will be conclusive upon all
Participants unless the action of the Board of Trustees can be shown to be discriminatory or
to have been made in bad faith.
No local union, local union officer, business agent, local union employee, Employer or
Employer representative, association or association representative, individual trustee, fund
administrative office personnel, consultant, attorney or any other person is authorized to
speak for, or on behalf of this Fund, or to commit or to legally bind the Board of Trustees
of this Fund in any matter whatsoever relating to the Fund, unless such person shall have
been given express written authority from the Board of Trustees to act in such matter. All
Participants are warned not to rely upon any opinion or interpretation expressed by any such
individual. All inquiries, requests for rulings, interpretations and decisions must be
directed to the full Board of Trustees in care of the Fund Administrative Office.
No benefits or rules described in this SPD are guaranteed (vested) for any Participant,
retiree, spouse or dependent. All benefits and rules may be changed, reduced or eliminated
prospectively at any time by the Board of Trustees, at their discretion. All changes adopted
by the Board of Trustees to the Plan of benefits or the rules will be published in writing
and circulated to the Participants, as required by law, so that the Participants may have
up-to-date information concerning their rights, benefits, and privileges.
In reading this document, please remember that whenever a pronoun or other word describes a
masculine person, the word also includes a feminine person, unless the context clearly
indicates otherwise. In addition, the words used in the singular person also include plural
persons, unless the context clearly indicates otherwise. If you do not understand English
and have a question about the benefits or the rules of the Plan, contact the Fund
Administrative Office to find out how to obtain help.