In the event of your death from any cause, at a time when you are eligible for benefits, your designated beneficiary will receive $10,000. This benefit is underwritten by a life insurance company.

Designation of Beneficiary: You may name anyone you wish as your beneficiary on a form provided for that purpose by the Fund Office. You may change your designation at any time by signing the appropriate form and filing it with the Fund Office. Payment will be made in a lump sum to your designated beneficiary or beneficiaries in equal shares unless you request otherwise when you file your beneficiary form. You may name a contingent beneficiary who will receive your life insurance if all the primary beneficiaries die before you.

If you have not named a beneficiary, the insurance company will pay your estate. It may, however, pay your surviving relatives as follows: a) all to your surviving spouse; b) if your spouse does not survive you, in equal shares to your surviving children; or c) if no children survive you, in equal shares to your surviving parents. If the beneficiary is a minor who does not have a legal guardian, the insurance company may, until a guardian is appointed, pay the person it deems to be caring and supporting him or her. Such payments will be made in monthly installments of not more than $50.00.

Termination: In the event your employment ends or you are no longer eligible for benefits under the FA Benefit Fund, coverage will cease as previously described. However, you have the right to convert to an individual policy. Please contact the Fund Office if you wish to exercise this option.

BENEFITS QUESTIONS? PLEASE CONTACT MARY AT (631) 732-6500.

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