Section 19: Important Information About the Plan

The following information is provided to help a member identify this Fund and the people who are involved in its operation.

Name of Plan. This Plan is known as the Sheet Metal Workers’ Local 73 Welfare Fund.

Board of Trustees. A Board of Trustees is responsible for the operation of this Fund. The Board of Trustees consists of equal representation of employer and union representatives, selected by the employers and the union that have entered into collective bargaining agreements that relate to this Fund. If you wish to contact the Board of Trustees, you may write to:

4530 Roosevelt Road
Hillside, IL 60162

As of July 1, 2003, the Trustees of this Fund are:

Union Trustees	Employer Trustees
Mr. Stanley F. Karczynski President and Business Manager Sheet Metal Workers’ Local 73 4550 Roosevelt Road Hillside, IL 60162	Mr. John Delano William J. Perkinson Company 412 North Wolcott Avenue Chicago, Illinois 60622
Mr. Tony Scavone Sheet Metal Workers’ Local 73 4550 Roosevelt Road Hillside, IL 60162	Mr. John P. Harmon, Sr. Builders Heating, Inc. 4633 West 138th Street Crestwood, Illinois 60445
Mr. Michael Keeley Sheet Metal Workers’ Local 73 4550 Roosevelt Road Hillside, IL 60162	Mr. Patrick J. Ludvigsen Air Dynamics, Inc. 12 N. Prospect Court Prospect Heights, Illinois 60070

Plan Sponsor and Administrator. The Board of Trustees is both the Plan Sponsor and the Plan Administrator. This means that the Board of Trustees is responsible for the operation and administration of the Fund. The Plan Administrator has broad discretion to determine eligibility for benefits and to interpret the language of the Fund. The Plan Administrator’s decisions should receive judicial deference to the extent that they do not constitute an abuse of discretion. The Board has delegated the day-to-day administrative responsibilities to the Fund Administrator, Joeseph Ohm, who can be contacted at the Fund Office.

Identification Numbers. The number assigned to this Fund by the Board of Trustees pursuant to instructions of the Internal Revenue Service is 501.

The number assigned to the Board of Trustees by the Internal Revenue Service is 36-2145881.

Agent for Service of Legal Process. Michael Daley, Esq. of Daley and George, Ltd., Two First National Plaza, 20 South Clark Street, Suite 400, Chicago, Illinois 60603-1903 is the Fund’s agent for service for legal process. Accordingly, if legal disputes involving the Fund arise, any legal documents may be served upon him at his address or any of the Trustees at the Fund Office address.

Source of Contributions. Contributions to the Fund are made by employers in accordance with their collective bargaining agreement with Sheet Metal Workers’ International Association Local 73 of Chicago, Cook and Lake Counties, Illinois AFL-CIO or participation agreement. However, in specific situations, self-contributions are required to be made pursuant to the provisions of the Fund.

The term “employer” as used in this booklet means an employer in the sheet metal industry that has or may hereafter have a collective bargaining agreement in effect with the Union requiring periodic payments to the Sheet Metal Workers’ Local 73 Welfare Fund for the purpose of providing and maintaining group insurance for the benefit of employees of such employer.

The term “employer” as used in this booklet also includes any other employer that, with consent of the Trustees, makes like payments or contributions to the Welfare Fund and adopts and agrees to be bound by the terms and provisions of the Sheet Metal Workers’ International Association Local 73 Welfare Fund Trust Agreement and any amendments and modifications thereof.

The Fund Office will provide you, upon written request, information as to whether your employer is participating in this Fund and the employer’s address.

Trust Fund. All assets are held in trust by the Board of Trustees for the purpose of providing benefits to you and your dependents as plan participants and defraying reasonable administrative expenses. The Fund’s assets and reserves are presently invested by the Board of Trustees.

Benefit Administration. Prescription Drug Benefits are administered by Caremark. Dental benefits are administered by Delta Dental. All other benefits are provided on a self-funded basis directly from the Fund.

Plan Year. The records of the Plan are kept separately for each Plan Year. The Plan Year begins July 1 and ends on June 30.

Type of Fund. This Fund is maintained for the purpose of providing health, prescription drug, dental, wellness, hearing, vision, weekly accident and sickness, death and accidental death and dismemberment benefits in the event of sickness, accident or death. The Plan benefits are shown in the Schedule of Benefits beginning in Section 3 of this booklet.

Collective Bargaining Agreement. The Fund is maintained in accordance with a collective bargaining agreement between the contributing employers and Sheet Metal Workers’ International Association Local 73 of Chicago, Cook and Lake Counties, Illinois AFL-CIO. You may obtain a copy of the agreement by written request to the Board of Trustees. A reasonable charge may be imposed for the copy. In addition, a copy of the agreement may be examined without charge at the Fund Office or at the principal place of business of the employer of the covered employee.

Eligibility. The Fund’s requirements with respect to eligibility as well as circumstances that may result in disqualification, ineligibility or denial or loss of any benefits are fully described beginning in Section 1 of the booklet.

No Employment Guarantee. Your coverage by the Fund does not constitute a guarantee of your continued employment.

Claim Procedure. The procedure to follow for filing a claim for benefits is set forth in detail in this booklet.

Plan Documents. This booklet constitutes the Plan Document and Summary Plan Description. This edition of your Plan Document and Summary Plan Description replaces any prior Plan Document and Summary Plan Description and other summaries of the provisions of the Plan.

The Trustees have to write this summary in clear, understandable and informal language. However, if you have any questions about this booklet, you should call the Fund Office for information about how your benefit plan works.

Other important Plan documents are the Agreement and Declaration of Trust and the collective bargaining agreement.

Amendment or Termination of the Plan. While the Trustees fully intend to continue the Plan, they reserve the right to alter or discontinue the Plan. The provisions of the Plan may be amended from time to time in accordance with the Trust Agreement. Amendments may include increases, modifications, reductions or the elimination, in whole or in part, of certain benefits.

The Plan may be terminated under circumstances allowed by ERISA and the terms of the governing Trust Agreement. If the Trustees amend or terminate the Plan, they will notify you in writing of the changes that are made to your coverage.