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Our schedule of benefits has been established by the Trustees, on the advice of the Fund’s professional consultants, to make the best use of the Fund’s available assets. The benefits will cover a significant part of your medical expenses, however, they may not cover your entire medical bills.

Before having any medical treatment performed, you should first discuss the charges with your doctor so that you will know exactly what portion of the bill you will be responsible for after the Fund’s and/or other insurance reimbursements. We encourage you to contact the Fund Office prior to agreeing to out-of-pocket charges.The coverage schedules are structured to meet the most common needs of all participants and to take into account conditions prevalent at this time. You should read this booklet and share it with your family since many of the benefits apply to them as well.