This section provides your Benefit Summaries and Summary Plan Descriptions (SPDs), outlining coverage, eligibility, and important plan details. We encourage you to review these materials carefully to understand how your benefits apply to your specific situation.

Your Benefit Plans are established by the Board of Trustees to provide valuable financial and insurance benefits for you and your family. Please note that plans may be updated from time to time, and you will be notified of any material changes through a Summary of Material Modifications (SMM) mailed to your address on file.

For your convenience, you may follow the links below to view and review plan SMMs. You may also request copies by calling 585-424-3510, free of charge.

We encourage you to review these materials periodically to stay informed.

Welfare Fund (Locals 9, 33 & 440)	Supplemental Fund (Locals 9, 33 & 440)	Pension Fund (Locals 9, 12, 33, 60 & 440)	Annuity Fund (Locals 9, 12, 33 & 440)	Group Life & AD&D Insurance Plans
Benefit Summary Express Scripts National Preferred Formulary
Welfare SPD Welfare SMM's Quick Reference Chart Appeal Procedures	Active Participants SPD Retiree SPD Supplemental SMM's	Pension SPD Pension SMM's	Annuity SPD Annuity SMM's	Prudential – Group Life and AD&D Certificate of Coverage Guardian – Group Life and AD&D Certificate of Coverage
Contact Maria for assistance	Contact Maria for assistance	Contact Lia for assistance	Contact Lia for assistance	Contact Maria for assistance