As of January 1, 2020, to be enrolled and have coverage through the Fund's Life Insurance/Accidental Death & Dismemberment Plan (the "Life Insurance Plan"), a Participant must complete, date, sign and turn-in to the Fund's Administrative Office any required Beneficiary Form (and/or any other forms and documents required by the carrier). Any Participant who does not have a fully completed Beneficiary Form on file with the Fund's Administrative Office as of January 1, 2020, will not be enrolled or covered by the Fund's Life Insurance Plan.

This means – as of January 1, 2020 – that if you are a Participant and you do not complete, date, sign and turn-in to the Fund's Administrative Office the required Beneficiary Form, you and your beneficiaries will not be entitled to benefits from the Fund's Life Insurance Plan. Only the named beneficiaries of those Participants who have timely filed and properly completed a Beneficiary Form will be entitled to make a claim for benefits under the Fund's Life Insurance Plan.

Presently, the Fund's Life Insurance Plan is administered and funded through a group insurance policy issued by Prudential Insurance Company of America ("Prudential"). All claims for benefits under the Fund's Life Insurance Plan are governed by the terms set forth in the Prudential policy and must be submitted to Prudential for review and processing. The Trustees of the Fund reserve the right to change carriers and/or to modify the terms of the Fund's policy with Prudential and/or to modify or eliminate any benefit.