Welfare Summary Plan Description

1.12 COMPOSITE FLAT RATE CONTRACTS

The Trustees may approve a Composite Rate Contract providing a fixed monthly contribution in an amount designed to provide Family coverage for covered employees. If the contributions are made on your behalf at the required rate under an approved Composite Rate Contract, your coverage for the following month will automatically be provided at the Family coverage level, without an election to choose another coverage level.

If your contributions under a Composite Rate Contract cease or are insufficient to provide coverage at the latest composite rate approved by the Trustees, your continued eligibility will be determined based on payment of the approved composite rate –either through employer contributions, or permitted self-payments together with employer contributions.

The automatic election of Family coverage under an approved Composite Rate Contract overrides the Plan Level election processes described above.