Summary Plan Descriptions (SPDs)

The Employee Retirement Income Security Act (ERISA) requires that plan administrators provide plan participants with specific written information about how their plan works. One of the most important of these documents is called a summary plan description, or SPD. The Welfare Fund maintains SPDs for both full-time active and retired participants. Each SPD provides details about many topics related to the plan, such as eligibility requirements, how benefits are paid, how to file claims, procedures for disputing denied claims and the rights of participants under ERISA.

Summary Plan Description for Full-Time Actives

Summary Plan Description for Retirees