Teamsters Local 805 Welfare Fund

SUMMARY PLAN DESCRIPTION -

MESSAGE FROM THE BOARD OF TRUSTEES

Dear Participant:

We are pleased to provide you with this Summary Plan Description (“SPD”) describing the program of benefits (the “Plan”) available under the Teamsters Local 805 Welfare Fund (the “Welfare Fund” or “Fund”). This document, which serves as the SPD and Plan Document, is being furnished to you so that you will be aware of all of the benefits provided by the Fund for you and your eligible family members.

The Fund is a multiemployer health and welfare plan, which is jointly administered by Employer Trustees and Union Trustees. The Fund has been established, and is maintained and operated, in accordance with certain official Fund documents, such as the Trust Agreement, and the rules, regulations and policies of the Fund adopted by the Board of Trustees, agreements with insurers and other service providers to the Fund, collective bargaining agreements, etc.

The primary purpose of this SPD is to provide you with a non-technical explanation of the important features of the Plan. It is supplied solely for the purpose of assisting you in comprehending the scope and meaning of your benefits. The SPD does not change, replace or interpret the terms of the official Fund documents. This SPD describes the benefits in place as of January 1, 2007.

This SPD also contains important administrative information, such as how to file a claim for benefits from the Fund, and explanations as to what your benefits are. You should refer to this SPD whenever you need information about your benefit coverage, and be sure to share it with your family. If you lose or misplace this SPD, contact the Fund Office for another copy.

The Board of Trustees reserves the right to amend, modify or terminate the Plan (in whole or in part) at any time and for any reason. If the Fund documents or the Plan are amended, modified or terminated, you, your dependents or any other individuals eligible to receive benefits under the Fund may not receive benefits as described in this SPD. In no event will you become entitled to any vested rights under this Plan.

No local union officer, business agent or employee, employer, or employer representative, association representative, or individual Trustee may speak for or on behalf of this Fund, or commit or legally bind the Board of Trustees of this Fund in any matter whatsoever relating to the Fund, unless such person shall have been given express authority from the Board of Trustees to act in such matter. Statements by the Fund Office, whether oral or written, cannot modify the benefits described in this booklet. All inquiries, requests for ruling, interpretations, and decisions must be directed to the full Board of Trustees in care of the Fund Office.

Please be sure to keep the Fund updated regarding any changes affecting you or your dependents, such as any changes in marital status, address, employment status (e.g., eligibility for Workers’ Compensation, disability, etc .) or beneficiary designation.

This booklet contains a summary in English of your rights and benefits under the Local 805 Welfare Fund. If you have difficulty understanding any part of this booklet, or in filing a claim, contact the Fund at 44-61 11th St. 3rd Floor Long Island City, NY 11101. If you have any questions about these benefits, please feel free to call the Fund Office at (718) 609 6401 for assistance. The Fund Office's hours are 9:00 A.M. to 5:00 P.M., Monday through Friday.

Este panfleto contiene un sumario en Ingles de los derechos y beneficios bajo este Fondo. Si tiene cualquier problema de entender este panfleto, comuníquese con el Gerente del Fondo at 44-61 11th s.f. 3rd Floor Long Island City, NY 11101. Las Horas de Oficina son de 9:00 a.m. ha 5:00 p.m. de Lunes hasta Viernes. Puede llamar la oficina de Fondo para asistencia al telefono (718) 609-6401.

Sincerely,

BOARD OF TRUSTEES
TEAMSTERS LOCAL 805 WELFARE FUND