The Plan provides life insurance type benefits for you and your eligible dependents as shown in the Summary of Benefits. If any portion of this section is inconsistent with the provisions of the insurance policy that provides these benefits, the insurance policy terms govern.

Payments for the death of your eligible spouse or child are paid to you in a lump sum. If you are not living at the time of payment, the benefit is paid to your designated beneficiary.

If you die while you are an employee, a death benefit will be paid in a lump sum to your designated beneficiary based on the most recent form the Fund Office received prior to your death. You may name anyone you wish as your beneficiary and change your beneficiary at any time by filling out a new form.

Unless your beneficiary form provides otherwise:

• If more than one beneficiary is designated, they will share equally;



• If one beneficiary dies before you do, any remaining beneficiaries will share equally;



• If you do not name a beneficiary or if the persons named do not survive you, payment will be made to the surviving person or persons in the first of the following classes:



• your spouse;



• your children (or guardian if child is a minor);



• your parents;



• your estate.

If you and your spouse are both eligible employees under this Plan, you are separately entitled to death benefits as described above.

Accidental Death and Dismemberment (AD&D) Benefits are payable as shown in the Summary of Benefits. Benefits are payable if you sustain an accidental injury which results in the loss of life, a limb, or sight. Accidental Death and Dismemberment Benefits are not available to your dependents.

The following rules apply to Accidental Death and Dismemberment Benefits:

• For benefits to be paid, the loss must be caused by an accident while eligible for benefits and the loss must be sustained within 180 days of the accident.



• Loss of a hand or foot means severance at or above the wrist or ankle joint; for an eye, the total and irrecoverable loss of sight. The Plan does not pay for the loss of use of the hand and or foot.



• Losses from the following circumstances are not covered:



• bodily or mental infirmity;



• disease, ptomaines or bacterial infection except a pyogenic infection that occurs through an accidental cut or wound;



• medical or surgical treatment (unless made necessary by an injury covered under the plan);



• suicide or intentionally selfinflicted injury;



• any act of war or injury while in military service for any country; or



• riding in or descending from an aircraft as a pilot or crew member.

Employee Life Insurance (but not AD&D) may be converted to individual coverage upon loss of eligibility as explained earlier. Life Insurance (but not AD&D) is also continued until your 61st birthday if you are Totally Disabled as explained earlier in the Disability extension section.

Benefits are payable to eligible employees for periods of Disability caused by sickness or accident up to the amount shown in the Summary of Benefits.

Benefits are payable from the first day for an accident or confinement in a Hospital or from the eighth day of illness, whichever comes first. When outpatient surgery causes a disability that lasts more than one week, weekly disability benefits will be paid retroactively to the first day of disability. Injuries sustained on the job are not covered because these are covered by Worker’s Compensation protection carried by each employer.

Successive Disability periods separated by less than two weeks of continuous active employment are considered as one continuous period of Disability unless they arise from different and unrelated causes.

You do not have to be confined to your home to collect benefits, but you must be under the care of a Physician. No Disability will be considered as beginning prior to your first visit to a Physician. You cannot receive benefits for any day on which you perform work of any kind, anywhere, for compensation or profit.

Weekly Disability Income Benefits are subject to taxes as are wages (unless you are permanently Disabled). Social Security taxes must be deducted from this payment.

Weekly Disability Income Benefits are payable only during a period of Disability. Once you recover from a Disability, you must notify the Fund Office of your recovery. If you receive Disability payments after your recovery, those payments must be returned to the Fund. If an overpayment is made for Disability payments during a period when you were not Disabled and you do not return these payments to the Fund, that amount (plus any reasonable interest charge that the Fund may impose) will be deducted from your next claim for benefits of any kind from this Fund.

The Fund, in determining whether you have been Disabled or if a Disability is continuing, reserves the right to request an updated medical report, or to require you to submit to a periodic physical examination at the Fund’s expense by a medical doctor selected by the Fund. Your benefits may be terminated if you refuse to undergo a physical examination requested by the Fund.

You cannot collect Weekly Disability Income Benefits and pension benefits at the same time. Weekly Disability Income Benefits may be used before the effective date of your retirement. Once you have retired, you cannot receive Weekly Disability Income Benefits unless you return to work and meet the eligibility requirements as a new employee.

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