Summary Plan Descriptions

The Summary Plan Description (SPD) is a booklet published by the Health & Welfare Trust to provide you with information regarding the benefits provided by The Plan, including eligibility or enrollment rules and the procedures for filing an appeal to the Board of Trustees.

Plan Benefits are periodically updated by amendments approved by the Board of Trustees and a notice of Summary Material Modifications (SMM) are sent to Plan Participants.

The most current SPD booklet and any SMM’s issued that modify the booklet are available below for reference.  Where the language of the SPD has been added to or modified by the SMM, the language of the most current SMM reflects the current plan rule.