LIFE EVENTS

When you marry, your spouse is eligible for healthcare coverage as of the date of your marriage. However, the Fund will not pay benefits on behalf of your spouse until you enroll your spouse for coverage. To enroll your spouse, send a copy of your certified marriage certificate to the Fund Office, as soon as it is available and complete a Family Update Form. Once your spouse is enrolled, benefits will be paid retroactively to the date of your marriage if enrollment is completed within 60 days of marriage.

You can select a beneficiary by filing an approved form with the Fund Office. You may change or revoke your beneficiary at any time by filing a new form. To be effective, your form must be received by the plan office during your lifetime.

If you are married, you are subject to some special rules. In general, your spouse must be your beneficiary. If you wish to designate someone else as beneficiary (including a trust for your spouse), your spouse must consent to the different beneficiary. Your spouse’s consent must be in writing and must be notarized or witnessed by a notary public or a plan representative. The only exception is under certain circumstances where the consent cannot be obtained, such as where a spouse cannot be located.

A spouse is a person to whom you are considered married under applicable law including a same-sex spouse to whom the Participant is considered married under the law of the state in which the marriage celebration occurred.

If your marital status changes, you should always update your beneficiary form.

If you are unable to work as a result of a non-work related injury or illness and you are under the regular care of a physician, you may be entitled to the weekly disability income benefit. To apply, submit a completed Disability Claim Form to the Fund Office. Once approved for the weekly disability benefit, you will be responsible to complete the Weekly Disability Supplementary Form.

You are eligible for payment of your Accounts upon receipt of a Social Security disability award. When you become eligible and want to receive payment, you must file an application form. Please contact the Fund Office for that form.

Did you recently move? Please complete a Change of Address Form.

If you and your spouse get a divorce or legal separation, your spouse will no longer be eligible for coverage. Your spouse may elect to continue coverage under COBRA for up to 36 months upon divorce or legal separation. You or your spouse must notify the Fund Office within 60 days of the divorce or separation date for your spouse to obtain COBRA continuation coverage. You must also submit a copy of the divorce decree to the Fund Office.

In the event of divorce, your former spouse may have a right to receive some portion of your Account directly from the Plan. Please contact the Fund Office for more information. If you need to file a QDRO (Qualified Domestic Relations Order), a model QDRO can be found here.

If you meet certain criteria defined in the health & welfare Summary Plan Description you and your family may be eligible to participate for the Plan’s retiree coverage. Please contact the Fund Office for your retiree options for continuing health coverage.

You are eligible for payment of your Account upon:

• Reaching age 55 and retire from employment with a contributing employer

To apply for a withdrawal, you will need to complete an application and submit it to the Fund Office. For further information, please refer to your Summary Plan Description or contact the Fund Office.

In the event of your death, your dependents may continue coverage for up to 36 months by electing COBRA continuation coverage or by electing the retiree plan. Your survivors will need to make the required self-contributions for this coverage.

If you die, the unpaid balance of your Accounts will be paid to your beneficiary.