The Welfare Fund   has been a   Personal Account Plan (PAP) since January 1, 1995, which is classified as a Health Reimbursement Account (HRA) by the IRS. Benefits provided by the Plan are not guaranteed, are not intended or considered to be deferred income, are not vested at any time and are subject to the rules and regulations adopted by the Trustees. For each hour you work in covered employment, employer contributions will be made to your non-taxable PAP account. The Trustees will determine the portion of the contributions that will be credited to your personal account. Currently, $.40 of the total contribution is utilized to help offset a portion of the administration of the plan and the life insurance provided by the plan.

Your account will be decreased   by the monthly self-insured Health Care Benefit premium and any Heath Expense Benefits (non-reimbursed medical expense) you submit for reimbursement. No more will be paid out to you (or your beneficiary) under this Plan than has come into your personal account by way of contributions to the Fund made on your behalf by participating employers (which are based upon your work hours).

For more information regarding your Welfare benefits, please refer to the Summary Plan Description on the Documents page or the Frequently Asked Questions. As always, you can also contact the Fund Office at (315) 782-5941 or (800) 801-2201 if you have any additional questions.