UFCW LOCAL 1776 and PARTICIPATING EMPLOYERS
                                   HEALTH and WELFARE FUND
 

How to Use This Booklet

We have designed this booklet to help you and your family understand your benefits package under the UFCW Local 1776 and Participating Employers Health and Welfare Fund. This booklet refers to your benefits package as the “Plan.”

On the next few pages, you will find a “Benefits at a Glance” chart which will give you a quick overview of the benefits available to you and your eligible dependents under the Plan. In other sections, you will find details about your eligibility, what is covered, how to file or appeal a claim, whom to call when you have questions, and other important information.

Specifically, the Plan provides these benefits:

   Mental, Nervous, Drug and Alcohol Benefits

   Dental

  Vision

   Disability

   Life Insurance

   Accidental Death and Dismemberment

   Child Care

   Educational Benefit Program

   Physical Well Being

   Optional Medical and Prescription Coverage (co-payment required) – Keystone Point of Service and National Medical Health Card

Legal services are provided under the UFCW Local 1776 and Participating Employers Legal Trust Fund, which is a separate Fund.

Some of these benefits are available only to you, while others are also provided for your dependents. To understand what you and your dependents are entitled to under the Plan, please read this booklet carefully and share it with your family. Then keep it with your important papers, so you can refer to it whenever you use your Plan benefits.

We have written this booklet in plain, everyday language to be sure you understand your rights under the Plan. If you still have questions about your benefits after you read this booklet, contact the Fund office at (610) 941-9400 or 1-800-458-8618.You can also write to the Fund Administrator at the address in the section titled “Administrative Information.”

This summary plan description is just that - a summary of your benefits. Therefore, we do not discuss all provisions of the Plan here. Some of the benefits summarized herein are provided pursuant to other underlying documents. In that case, applicable policy of insurance or other underlying documents are incorporated by reference as if fully set forth in this booklet. If there are any discrepancies,  the policy of insurance or other  underlying documents prevail. If you wish to review the underlying documents, please contact the Fund office. If you still have questions about your benefits after you read this booklet, contact the Fund office.