Summary Plan Description


If you are legally married and die before retirement, your spouse is automatically the beneficiary of your vested preretirement death benefit. If you are not legally married, you may designate any person or persons as your beneficiary on your Enrollment Form. An Enrollment Form is available from Carpenters Trusts and the Trust website: If you designate a person who is or subsequently becomes your spouse, the beneficiary designation is automatically revoked if the marriage is subsequently dissolved or invalidated, unless you redesignate your former spouse following the dissolution or invalidation of marriage, or except as otherwise provided in a Qualified Domestic Relations Order (QDRO).