Disability

Weekly Accident and Sickness

If you are disabled and cannot work due to a non-work-related injury or illness, you may receive a weekly accident and sickness benefit. During partial weeks of disability, you will be paid the daily rate of one-seventh of the weekly benefit.

Benefits begin:

• First day of disability due to an accident
• Eighth day of disability due to a sickness
• On the day of surgery if you have an outpatient surgery
• First day of hospitalization or treatment if you are hospitalized or receiving residential day treatment or intensive outpatient treatment in an outpatient treatment facility as the result of mental, nervous, alcohol, or drug problems

This benefit will continue until you recover or reach the maximum number of weeks payable.

Life Insurance

In the event of your death while still eligible for active benefits, your designated beneficiary will receive one lump-sum Life Insurance Benefit. Your beneficiary must contact the Fund Office and submit written proof of your death to receive this benefit.

You may designate or change your beneficiary selection at any time by filing a written request with the Fund Office.

Accidental Death & Dismemberment

The Accidental Death & Dismemberment (AD&D) Insurance benefit is payable for losses due to bodily injury sustained through an accident and if the loss occurs within 90 days of the accident. You must be covered under the Plan when the accident and loss occurred to receive this benefit.

AD&D benefits are in addition to any life insurance benefits coverage and will be paid to you for an injury or to your designated beneficiary in the event of your death. Benefits will be paid according to the following schedule.