Summary Plan Description
To All Participants
We are pleased to present you with this Benefit Booklet, which
describes in detail the benefits to which you and your dependents may be
entitled to as an eligible participant of the Metal Trades Branch Local
638 Welfare Fund.
While the booklet contains a description of the benefits provided by
the Fund, the actual payment of these benefits will be predicated upon
the terms and provisions of the group contracts between the Board of
Trustees and the "providers" of these benefits. Any questions concerning
a claim or the benefits received should be directed to the Fund Office.
Furthermore, in the event a claim is denied, you have the right to
appeal. Specific instructions as to how and where to file an appeal are
set forth in Section 17 of this booklet.
Should you have any questions about your eligibility, your
classification under the plan, or any benefit, please call the Fund
Office. The Fund personnel are the only persons authorized by the
Trustees to answer your questions.
Finally, we urge you to review this booklet carefully so that you may
be fully aware of the benefits provided and the steps that must be
taken in order to receive these benefits. If you have any questions that
are not answered by the material contained in this booklet, we
encourage you to contact the Fund Office or any of the Trustees.
Metal Trades Welfare Fund Summary Plan Description