UFCW LOCAL 1776 and PARTICIPATING EMPLOYERS
   HEALTH and WELFARE FUND

  Table of Contents

 

                                                  SUMMARY  PLAN  DESCRIPTION
Introduction Educational Benefit Program
Who Provides My Benefits Physical Well Being Program
How to Use This Booklet Prescription Drug Benefit (Optional)
Benefits At A Glance Prescription Incentive Program
Who is Eligible      Overview of the Program
Changes in Coverage      Medical Expenses Reimbursable
     Under the Program
       If You Terminate Employment Keystone Point of Service (KPOS)  Program (Optional)
       If You Become Disabled      How the KPOS Program Works
       Termination of Dependents' Coverage      Some Important Terms
       Continuing Coverage Under COBRA      You need Medical Care
Mental, Nervous, Drug and Alcohol      Pre-certification
Dental Coverage Other Federal Law Requirements
Vision Care Plan Claim Filing Deadlines
Disability Benefits Appealing a Denied Claim
      How to File a Claim Coordination of Benefits ("COB")
Coordinating with Third Parties
(Subrogation or Reimbursement) 		     Coordinating with Medicare
Life Insurance Benefits Important Information
Accidental Death and Dismemberment ERISA Statement
Child Care Assistance Administrative Information
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