Summary Plan Descriptions

Summary Plan Descriptions (SPDs) describe your 4th District IBEW Health Fund benefits, including what’s covered, what’s not covered, how the Plan works and other important administrative information.

Building Trades Summary Plan Description

Flexible Choice Plan SPD

Amendments to the Flexible Choice Plan SPD

The following Summary of Material Modifications (SMMs) detail changes to the Flexible Choice Plan. Information found in the SMMs supersedes information in the Flexible Choice SPD, as indicated.

Important Notices for Flexible Choice Plan Participants

Summaries of Benefits and Coverage (SBCs)

Building Trades

Flexible Choice

Retiree Coverage