Summary Plan Description

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Summary Plan Description – Effective January 1, 2026

• Introduction
• Plan A - Schedule of Benefits
• Plan B - Schedule of Benefits
• Plan C - Schedule of Benefits
• Plan 11 - Schedule of Benefits
• Plan 11-C - Schedule of Benefits
• Plan 14 - Schedule of Benefits
• Eligibility for Active Participants
• Eligibility for Retiree Coverage
• Insurance Coverage
• Medical Benefits
• Prescription Drug Program
• Weekly Time Loss
• Medicare Part D Prescription Drug Plan (PDP) for Retirees
• Member Assistance Program (MAP)
• Dental Benefit
• Vision Benefit
• Hearing Benefit
• Special Fund Program
• Union Wellness Centers
• General Plan Exclusions and Limitations
• Other Limitations on Your Benefits
• Definitions
• Claim and Appeal Procedures
• General Plan Provisions
• Information About the Plan
• Board of Trustees