The accidental death and dismemberment insurance benefit provides benefits if you die or experience one of the losses listed below as the result of an accident, either on or off the job. This is an insured benefit that is provided by the Plan under a policy of group insurance.

In order for benefits to be paid, your loss must occur:

• Within 365 days following the date of the accident; and
• While you are eligible for benefits under the Plan.

If you die as the result of an accident, the maximum benefit will be paid to your beneficiary in a lump sum. Your beneficiary is any person or persons you name on your enrollment form that you filed with the Welfare Fund office.You may change your beneficiary by filing a new enrollment form with the Welfare Fund office, naming your new beneficiary. A change of beneficiary will not be effective unless it is received in the Welfare Fund office and sent to the Insurance Company prior to a claim.

The benefit amount for the accidental death and dismemberment insurance benefit varies according to your Unit coverage and the length of your employment, and is shown in your Schedule of Benefits. You will receive all or part of the accidental death and dismemberment insurance benefit amount listed in your Schedule of Benefits, depending on the extent of your loss.

No more than the benefit amount will ever be paid for all losses due to one accident.

For more information regarding Accidental Death and Dismemberment Benefit please see pages 61-62 in your Summary Plan Description.