Tri-State Plan SPD >> Important Notice

This booklet is the Summary Plan Description ("SPD") of the plan of benefits ("the Plan") of the Building Service 32BJ Health Fund ("the Fund") with regard to the Tri-State Plan. Your rights to benefits can only be determined by this SPD, as interpreted by official action of the Board of Trustees ("the Board"). You should refer to this booklet when you need information about your Plan benefits. In addition, the Board reserves the right, in its sole and absolute discretion, to amend the Plan at any time.

• Save this booklet — put it in a safe place. If you lose a copy, you can ask the Member Service Center for another or obtain it from www.seiu32bj.org.

• If you change your name or address – notify the Member Service Center immediately so your records are up-to-date.

• Words that appear in boldface print are defined in the Glossary.

• Throughout this booklet, the words 'you' and 'your' refer to participants whose employment makes them eligible for Plan benefits. The word 'dependent' refers to a family member of a participant who is eligible for Plan benefits. In the sections describing the benefits payable to participants and dependents, the words 'you' and 'your' may also be used to refer to the patient.

• This booklet describes the provisions of the Plan in effect as of October 1, 2006, unless specified otherwise.

• In the event there is any conflict between the terms and conditions for Plan benefits as set forth in this booklet and any oral advice you receive from a Building Service 32BJ Benefit Funds employee or union representative, the terms and conditions set forth in this booklet shall control.

• The level of contributions provided for in your collective bargaining agreement or participation agreement determines the Plan for which you are eligible. In general, the Tri-State Plan covers certain participants who work outside New York City. This includes employment in New Jersey, Westchester, Long Island and Connecticut. While the Fund provides other plans, they are not described in this booklet. If you are unsure about which plan applies to you, contact the Member Service Center for information.