Summary Plan Description

Interpretation

The Board of Trustees is the named fiduciary of the Trust and reserves the discretion to interpret the terms of the plan, to establish any self-payment rates necessary to participate in the plan and to determine who is eligible to participate in the plan. In administering the plan, the Board of Trustees has authorized Carpenters Trusts and any medical review organization used by the plan to utilize its internal guidelines and medical protocols in determining whether or not specific services or supplies are covered under the terms of the plan. However, neither Carpenters Trusts nor any medical review organization has authority to change the provisions of the plan.