It is with great pride that your union presents this updated Plan of Benefits at no cost to you.

The program described herein includes improvements in disability insurance, life insurance, retirement, optical, dental, and prescription drug benefits. All benefits described in this booklet went into effect on January 1, 2016.

The chairman and trustees will continue to improve and expand benefits whenever possible. Please read this booklet carefully. Your cooperation and intelligent use of this plan will enable us to provide the necessary coverage for you and your family.

Sincerely,
Michael H. Allen
Chairman