Welfare Summary Plan Description

SECTION 12
LIFE INSURANCE AND ACCIDENTAL DEATH& DISMEMBERMENT BENEFITS

Life Insurance and Accidental Death & Dismemberment Benefits are insured by the Plan's Life Insurance Provider, except for life insurance benefits for Retired Participants which are provided directly by the Trust. Insured benefits are also subject to insurance policy limitations, which are on file in the Trust Customer Service Office. In the event of any ambiguity or difference between that policy and this Summary Plan Description, the policy shall control.