Summary Annual Report (SAR)
This report gives a high-level overview of how your benefit plan is doing financially. It includes
information about plan assets, funding, and expenses, so you can see the overall health of the
plan.
Summary Plan Description (SPD)
The SPD is your primary guide to the plan. It explains how the plan works, what benefits are
offered, who is eligible, and how to use your benefits. It also outlines your rights and
responsibilities under the plan.
Summary of Material Modifications (SMM)
This document highlights any important changes made to the plan. If benefits, rules, or
procedures are updated, the SMM explains what has changed and how it may affect you.
Summary of Benefits and Coverage (SBC)
This document is a simple standardized summary of the health benefits services that are
covered and what you will pay in deductibles, coinsurance and co-pays.
Why This Matters
These documents are designed to keep you informed about your benefits and your rights. We
encourage you to review them and reach out if you have any questions.
Need Help?
If you have questions or need assistance understanding your benefits, please reach out to the
fund office by calling 585-424-3510. You may also request that copies of these materials be
provided by mail, free of charge.
For your convenience, copies of all current plan documents, including (SAR's),
(SPD's), (SMM's) and (SBC's) can be reviewed by clicking on the benefit tabs
above.
