National Benefit Fund Summary Plan Description

Complete Summary Plan Description (SPD) of Your Health and Welfare Benefits
(As of January 2021)

i

Summary of Material Modifications

(Effective March 20, 2020)

i

Summary of Material Modifications

(Effective December 9, 2020)

i

Summary of Material Modifications

(Effective September 9, 2021)

i

Summary of Material Modifications

(Effective January 1, 2022)

i

Summary of Material Modifications

(Effective January 1, 2023)

i

Summary of Material Modifications

(Effective January 1, 2023)

i

Summary of Material Modifications

(Effective Immediately)

i

Summary of Material Modifications

(Effective January 1, 2025)