Health & Welfare and Pension Funds
of Philadelphia and Vicinity

Important Notice

This description and the accompanying Summary of Benefits Schedule constitute the Fund's Plan document. This description contains the Fund's complete Health and Welfare Benefit program as of the date shown below. The only benefits to which you are entitled are those stated in the Summary of Benefits Schedule which accompanies this booklet, and are determined by the rate of contribution as defined in the Collective Bargaining Agreement between your Employer and Union.

Please note:  For those participants enrolled in either the Personal Choice™ or Keystone HMO™ plans, your hospital and medical/surgical benefits are those set forth in the Member Handbook sent to you by Independence Blue Cross.  The content of those booklets is incorporated in this document by reference.  For those enrolled in those programs, please consult those booklets for an explanation of your benefit coverage.  However, no matter which medical program you choose for you and your eligible dependents (Personal Choice™ or Keystone HMO™) certain benefits are common to all programs – dental, vision, weekly disability, death, and prescription drug benefits.  These benefits are described in this booklet.

From time to time, the Fund's Trustees may amend your Plan of Benefits. Should that occur, the Fund routinely advises you of such changes in the Fund's newsletter or by way of special bulletins.

The only person authorized to advise you of your
rights under this Plan is the Fund Administrator,
William J. Einhorn, or his specific designee.

Reliance upon information from any
other source is at your own risk.

 Last Date Updated :  10/16/08