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The Plan coordinates benefits with Medicare.

Coordination of your benefits under this Plan and under Medicare is different, depending on whether you are an Active or a Retired Employee eligible for Medicare.

This Plan is the primary plan responsible for payment of your benefits and your Dependents’ benefits if you are an eligible Active Employee. This means that if you are an Active Employee and you are also covered by Medicare, when you or your Dependents incur covered medical expenses, the Plan will pay benefits first and then Medicare will determine what benefits it will pay of the remaining expense not covered by the Fund.

Keep in mind that when you retire and are eligible for Medicare, Medicare will be primary. You should consult the Summary Plan Description of the Sheet Metal Workers’ Local 73 Welfare Fund for Retired Members for additional information.