The Board of Trustees of the San Francisco Electrical Workers Health & Welfare Trust (“the Plan”) is pleased to present this restated Summary Plan Description (“SPD”). This Plan was established for you as a result of Collective Bargaining Agreements between the International Brotherhood of Electrical Workers (“IBEW”) Local 6 and the San Francisco Electrical Contractors Association, Inc.

Please read this booklet carefully. In addition to summarizing the benefits to which you may be entitled, including hospital, medical, dental, vision, prescription drug and group life insurance, and related benefits, it describes the requirements for Plan eligibility, claims and appeals procedures, and other important Plan information. This booklet is both the Plan Document and the SPD.

The information in this booklet is subject to, and in no way modifies or interprets, the provisions of the policies of insurance and contracts between the Plan and the insurance carriers or providers of care. Supplemental booklets describing the benefits and services provided under each Health Maintenance Organization (“HMO”) or supplemental benefit program offered through the Plan are available without cost from the Plan Office upon request. The supplemental booklets, which are incorporated by reference herein, describe the benefits provided, any additional requirements other than Plan eligibility that must be met to qualify for those benefits, whether dependent coverage is provided, information about claims and review procedures, and other matters.

It is your obligation to keep the Plan Office informed of any address change, change in a beneficiary, if you get married, register for domestic partnership, or get divorced or terminate your domestic partnership, the death of a Dependent and to provide any other requested information pertinent to the administration of the Plan. Failure to provide accurate information may result in the denial of benefits and/or loss of eligibility. In addition, because loss of eligibility may result if any required co-payments are not timely received by the Plan, it is essential that you understand the rules for making monthly co-payments.

The Plan is administered by the Board of Trustees subject to the terms of the Agreement and Declaration of Trust for the San Francisco Electrical Workers Health and Welfare Trust. The Trustees have the authority and discretion to interpret, construe and apply the terms of the Plan and to decide all issues of eligibility to participate in the Plan, qualification for benefits under the Plan, the amount of benefits (if any) that may have become payable, and any and all other issues arising under the Plan. To assist you in obtaining your Plan benefits, the Trustees have agreed with a separate entity, the Electrical Industry Service Bureau (AEISB@) that EISB will administer the Plan.

As a courtesy to you, EISB may respond informally to oral questions; however, oral information and answers are not binding upon the Board of Trustees or the Plan and cannot be relied on in any dispute concerning your benefits.

Plan rules and benefits may change from time to time. Your benefits under the Plan are not vested. The Board of Trustees may reduce or eliminate or change any benefits provided under the Plan (or under any insurance policy, HMO or other entity) at any time. Participants may also be required to make new or additional contributions for benefits provided by the Plan.

If you are about to retire, Medicare benefits are not automatic; you must apply for them in order to be covered. Medicare Part A is free of charge and provides hospital benefits; Part B provides supplemental medical insurance and you are charged a monthly premium. This Plan coordinates benefits with Medicare as if you are covered under both Medicare Part A and Part B. This means you must enroll in Medicare, for both Part A and Part B, as soon as you are eligible for Medicare. If you do not enroll in Medicare Part A and Part B, the Plan will not cover the portion of the expense that Medicare would have paid. You must notify the Plan Office immediately upon becoming eligible for Medicare.