Health and Welfare Summary Plan Description

DEAR PARTICIPANT:

Attached is the restated Plan document and Summary Plan Description (“SPD”) for the San Francisco Electrical Workers Health & Welfare Plan (“Plan”) which has been established for you under collective bargaining agreements between the International Brotherhood of Electrical Workers Local 6 and the San Francisco Electrical Contractors Association, Inc. It describes your health, group life, disability and other benefits, the requirements for Plan eligibility, claims and appeals procedures, and other important information. Please read this SPD carefully to understand your benefits. It is effective for the Plan year beginning February 1, 2021.

This document is subject to, and does not modify or interpret, the insurance policies and contracts between the Plan and the Plan's insurers and providers of care. Separate booklets describing the benefits under one of the Plan's Health Maintenance Organizations (&ldquoHMOs”) or other insured benefit are available to you free of charge upon request. The supplemental booklets, which are treated as a part of this Plan, describe benefits, eligibility, claims and review procedures, and other matters.

You must inform the Plan Office of any change in your address, marital or domestic partnership status and the status of any of your Dependents, and provide any requested information pertinent to the administration of the Plan. Failure to do so may result in the loss of benefits or coverage. If you must pay for any of your coverage by making monthly payments, be sure you understand the rules regarding Monthly Coverage Payments. Failure to follow these rules may cause a loss of eligibility

The Plan is administered subject to the terms of this Plan document and the San Francisco Electrical Workers Health & Welfare Trust, and we, as the Board of Trustees, have the authority and discretion to interpret, construe and apply the Plan's terms, and decide all issues of eligibility and benefits that arise under the Plan.

To assist with day-to-day administration, we have hired the Electrical Industry Service Bureau (“EISB”). EISB may respond informally to your oral questions, though oral responses do not bind us or the Plan and cannot be relied on in any dispute concerning your benefits.

Plan rules and benefits change from time to time. Your Plan benefits are not vested, and may be eliminated or changed by the Board at any time and on very short notice. You may also be required to make new or additional contributions for benefits provided by the Plan. Any wording that may be contrary to Federal law is to be understood to meet the standards of such laws. In addition, any changes in Federal law that may affect the Plan will automatically be incorporated into the Plan, if required.

If you are about to retire, you must apply for Medicare to receive full benefits because enrollment for Medicare benefits is not automatic. Medicare Part A is free of charge and provides hospital benefits; Part B provides supplemental insurance for a monthly premium; and Part C provides HMO benefits as an alternative to Parts A and B. Medicare Part D provides prescription drug benefits, but you should not enroll in Medicare Part D. This Plan coordinates retiree benefits with Medicare and assumes you are covered under Medicare Parts A and B, or Part C if applicable. If you do not enroll in Medicare as soon as you are eligible, the Plan will not cover the portion of your expense that Medicare would have paid. So, as soon as soon as you are eligible for Medicare, please enroll and notify the Plan Office immediately.

Sincerely,

Board of Trustees