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ls Issue No. 52 Spring 2018

INSIDE THIS ISSUE:The EmpiRx Transition . . . . . . . . . . . . . . . . . . . . . . . . 1

The Addiction Trail . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

When Your Life Changes Because of . . . . . . . . . . . . . 2

Best Doctors: How Hand Washing Revolutionized Healthcare . . . . . . . . . . . . . . . . . . . . . 3

From The Legal Department . . . . . . . . . . . . . . . . . . . 4

Medical Corner: Sun or Sunburn . . . . . . . . . . . . . . . . 5

Summary of Material Modifi cations and Notice . 6-7

UFCW National Health and Welfare Fund Summary Annual Report . . . . . . . . . . . . . . . . . . . . . . 8

Women’s Health and Cancer Rights Act . . . . . . . . 10

Best Doctors: Medical Decisions for your Health and Finances . . . . . . . . . . . . . . . . . . . . . . . . . 10

Websites . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Reminder Notice . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Transition is a nice way of saying that you are changing what you have to what you will have. This was the term we used when the National Fund moved the remaining members to our new PBM, EmpiRx. As of January 1, 2018, all participants in the National Fund were enrolled in EmpiRx Health.

For the over 20,000 people who now have a new prescription drug manager, the transition when very smoothly. For some, there were several changes that were unexpected. All of these were addressed by the end of March, and the issues were resolved to the best of our ability. It may be helpful to understand some of these issues and the reasons that the cost of some medications was higher with EmpiRx than with Express Scripts (ESI). The National Fund reviewed each specifi c instance that was brought to our attention. Here are the fi ndings.

a.) The manufacturer actually increased the price of the drug.b.) The design of the Plan was not correct, leading to an increase in cost. (The correction

of this issue of design required refunds to 93 individuals.)c.) In some cases where the cost of medications were more expensive to some individuals

in some Plans, an adjustment was made in the EmpiRx system in February to address this and bring costs down for impacted members.

d.) There were instances where the cost of the medication under EmpiRx was lower than under ESI. Although the design was intended to be equal, the National Fund did not bill the individual for the diff erence, nor did it change the payment if the setup under ESI was found to be incorrect.

e.) All future changes were announced to the individual with a separate letter from EmpiRx along with suggestions on how to decrease the cost.

f.) Mail order processing was improved for faster handling and mailing.

We realize that these issues aff ected a small minority of the participants, but our desire was to have everything in our control mirror the prior

Plan. We are confi dent that the Plan now provides the best pricing and clinical expertise that the Trustees required in the transition to

EmpiRx Health.

THE EMPIRX TRANSITION

George J. OrlandoChairman

2

THE ADDICTION TRAIL The recent scary findings are showing that large employers and Welfare Funds spent $2.6 billion to treat opioid addiction and overdoes in 2016. This is more than 8 times the amount spent in 2004. And more than one half of the $2.6 billion was spent on employee’s children. The numbers show that of every $5 spent, $4 comes from the employer and $1 from the worker. But, in our self-insured world as with most Taft-Hartley Funds, all the cost is ultimately paid for by the worker. So, who is to blame? Let’s take a backward look starting from a young person overdosing on heroin. 1. Young person – with the advent of the Affordable Care Act in 2010, dependents must be

kept on their parent’s health insurance coverage to age 26. Prior to that, most non-student dependents lost coverage at age 19. Now we have a large group of young people who have health insurance that parents in our Plans have to provide. Where there is health coverage, there is usage of that coverage.

2. This young person didn’t start using heroin from the start in most cases. The start was often from a prescription from the doctor for a painkiller called OxyContin or similar drugs. According to the Drug Enforcement Agency (DEA), doctors wrote 7.6 million prescriptions for OxyContin and similar controlled-release products in 2006. Introduced in the United States in 1995, OxyContin (generic name: oxycodone) is a narcotic prescription medication designed to provide relief for chronic pain. It belongs to the group of painkillers known as opioids, which are derived from the opium poppy. Other examples are morphine, codeine, and heroin. OxyContin contains oxycodone which, like all opioids, blocks pain receptors in the brain. Oxycodone is also the active ingredient in other common pain relievers like Percodan and Percocet. Each OxyContin pill is designed to release the drug slowly over a 12-hour period, so taking two tablets each day can provide continuous relief for chronic pain. The number of prescriptions written skyrocketed to over 200 million in 2016.

3. Most experts believe doctors overprescribe opioids. Pharmaceutical companies promote the legal drugs without fully warning about the risks and allow patients access to too many pain pills.

4. The more any of these drugs get prescribed, the more potential for risks, and when one drug becomes popularly prescribed by physicians, the more popular it becomes on the street, simply because it is more readily available and it becomes more expensive.

5. Heroin is readily available and becomes a cheaper alternative to the pills.6. So now we have thousands of young people addicted to heroin.

FROM THE FUND OFFICE

Maurice HodosFund Administrator

WHEN YOUR LIFE CHANGES BECAUSE OF

Marriage, birth of a child, adoption of a child, divorce, death, dependent’s (including spouse’s) loss of previous coverage, loss of dependent status due to age, retirement, Medicare eligibility, or for a change of address, name or life insurance beneficiary.

Please inform the Fund Office within 30 days of the event to protect your benefits.

1-888-773-8329

(Continued on page 9)

3

health | matters

One of the most effective ways to prevent disease, avoid infection, and stay generally healthy is to practice good hand hygiene. But this basic concept has only been at the forefront of the healthcare professions for a relatively short time.

It was in the middle of the 19th century that it was first established that hospital-acquired diseases were transmitted via the hands of healthcare professionals.1 But it was even later that the diligent practices of hand washing in hospitals and other medical facilities became standard operating procedure.

Simply put, good hand hygiene contributes significantly to patient safety and infection prevention. It is a simple, low-cost action to prevent the spread of many of the germs that cause healthcare-associated infections. And so it stands to reason that frequent, thorough hand washing is just as important in our daily lives.

The germs that cause infections are everywhere and hard to avoid, but there are many basic practices that can keep them away from you—and hand washing is at the top of that list.

As the flu season begins, it’s especially important to get down to basics when it comes to staying healthy. And just like eating right, staying active, frequently washing your hands, and getting vaccinated, getting a second opinion from Best Doctors can be the most basic, simple answer for you when you have questions about your health.

If you have healthcare concerns or an uncertain diagnosis, your Best Doctors benefits can give you peace of mind with an in-depth, expert review of your medical case that can either confirm your existing diagnosis and treatment or recommend a change. Regardless of your concern, Best Doctors can help eliminate uncertainty and provide valuable guidance so you can make confident healthcare decisions.

This newsletter is not meant to provide medical advice or service, and should not be construed as the professional advice of Best Doctors. As such, Best Doctors does not guarantee or assume responsibility for the correctness of the information or its applicability regarding any specific factual situation. Personal health problems should be brought to the attention of physicians and appropriate health care professionals. Best Doctors and the Star-In-Cross logo are trademarks or registered trademarks of Best Doctors, Inc.

How Hand Washing Revolutionized Healthcare

For more information, call 866.904.0910 or visit members.bestdoctors.com.

And Why It’s Still So Important Today

1. http://publications.gc.ca/collections/collection_2012/aspc-phac/HP40-74-2012-eng.pdf

4

Two of the most important documents to your health and job are your UFCW National Health and Welfare Fund SPD and your Union Contract. Let’s explore their relation to each other.

The National Labor Relations Act, or Labor Management Relations Act, sometimes called the Taft-Hartley Act, requires Employers to negotiate terms and conditions of employment for workers represented by a Union and enter them in a Collective Bargaining Agreement, which most people call a “Union Contract.” On the job, your Union Contract is a basic document which spells out not only wages and hours, but also many details of working conditions.

One of the provisions of your Union Contract is an agreement by your Employer to contribute monies to the UFCW National Health and Welfare Fund to provide health benefits. A clause in the Union Contract spells out how much the Employer must contribute, how often, and for whom. However, the Union Contract does not usually spell out the health benefits or rules of eligibility and coverage. Your Employer also enters into a Participation Agreement with a Memorandum of Agreement signed by your Union, which specifies the contribution rate. Based on these, your Employer remits contributions to the Fund.

The Fund is a trust governed by a Board of Trustees. The Board of Trustees includes Trustees appointed by all the Employers contributing to the Fund, and the Union. There are an equal

number of Employer and Union Trustees, a parity required by the Taft-Hartley Act. This Taft-Hartley Fund is the strongest and perhaps most characteristic type of union plan in the United States. The Fund is administered on a day to day basis by a Fund Administrator and Fund Office.

The Fund is governed by a set of documents, including its Agreement and Declaration of Trust, which serves as a kind of constitution. Under the Trust Agreement, the Fund issues, for each applicable group or plan, a Plan Document and Summary Plan Description, which is called an “SPD.” The SPD is sent to each participant. The SPD spells out the benefits, coverage, eligibility, conditions, limitations, and other information. A federal law called “ERISA” sets forth the minimum requirements for the SPD. It is written in plain language, which participants can understand.

The key aspect of the Union Contract is the financing of the benefits through Employer contributions. The key aspect of the SPD is the benefits themselves. The Union Contract does not control or determine the SPD, and they are different documents, governing different matters. The Fund is not party to the Union Contract. Neither the Employer nor the Union are parties to the SPD.

The Fund’s Trustees, although appointed by Employers and the Union, are considered fiduciaries under ERISA, and must conduct their duties toward the Fund solely in the interest of the Fund’s participants and beneficiaries. Since the Plan encompasses numerous participants and beneficiaries, this concern is addressed to all of the Fund’s population, rather than to an individual. The fiduciaries must administer the Plan only to provide benefits and pay reasonable Plan administration expenses.

Additionally, the Fund issues a Summary of Benefit Coverage, which is a very short outline of the highlights of the benefits. Federal law requires this SBC so that a participant may see the outline at a glance.

Under the Trust Agreement and SPD, the Trustees may, in their discretion, revise, discontinue, improve, reduce, modify or make changes in the Plan, the types and amounts of benefits provided, the coverage and eligibility provisions, conditions and rules, at any time. Any question of interpretation, construction, application or enforcement of the terms of the Plan and SPD, and all determinations on benefit claims and appeals, are subject to the discretion of the Board of Trustees and/or its Claims Review Committee, whose determinations are final and binding.

When a disagreement over the disposition of a benefit claim arises, it is not normally subject to the grievance procedure in the Union Contract. Instead, the Fund provides a Claims Review and Appeals Procedure under ERISA for the review of the determination of claims. In addition to the review by the Fund office and legally required review by the Fund’s Claims Review Committee, the Fund provides an additional and optional level of appeal to the full Board of Trustees of the Fund.

It is worth remembering that the Fund and its Trustees must enforce the terms of the SPD and decide on claims in the interests of all the Fund’s participants and beneficiaries.

Larry Magarik General Counsel

Kennedy, Jennik & Murray, P.C.

FROM THE LEGAL DEPARTMENT

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5

SUN OR SUNBURNWhen we are young, we cannot get enough sun.

When we get older, we try to avoid the sun.

Here are the general facts:● About one third of the adult population in the United States will have a sunburn each year● About 2/3 of children in the United States will have a sunburn each year● On the average, on a yearly basis, over fi fty (50%) percent of all adults have had at least one sunburn in the past 12 months● Sixty fi ve percent of all white adults, between the ages of 18 and 29 have had at least one sunburn in the past year● The closer you live to the equator, the closer you are to the sun, the higher your chance of getting a sunburn

● The lighter your complexion, the better your chance of getting a sunburn● Men have sunburns more frequently than women● Children get a sunburn more frequently than adults

A minor sunburn really causes little damage in of itself. Many sunburns get better with no sequella while severe forms of sunburn can cause skin damage by causing burns and can cause dehydration. However, the main complication of sun exposure is skin cancer. There are three general forms of cancer in order of severity: basal cell carcinoma, squamous cell carcinoma, and malignant melanoma. The damage is caused by an infl ammatory reaction to the sun rays, particularly the ultraviolet rays (UVR) of the sun. Damage is due to the long term eff ects of exposure to these UVR rays of the sun. This causes a change in the DNA of the skin cells thereby causing the above mentioned cancers.

Some sun ray exposure is not only enjoyable but benefi cial in that Vitamin D is produced in this manner. Vitamin D is benefi cial for the body.

Aside from the damage to the skin that may be caused by the sun exposure, most sunburns are not severe and you only need to care for the actual burn. If there is pain, then simple pain killers and anti infl ammatories should be used. Cool soaks and compresses also help with the burn.

If there are signs of dehydration, then increased consumption of fl uids are needed.

Finally, steroids might be utilized to decrease swelling in severe cases.

The best way to avoid sun burn and sun damage is through prevention. Avoid excessive sun exposure (especially between late morning and mid afternoon hours). Use of sunscreen with SPF (Sun Protection Factor), the higher the SPF the better the protection. The protection of the lips and eyes are equally important, therefore the use of sun-blocking lip balm and proper sunglasses is advised.

MEDICAL CORNER

Norman H. Kupferstein, M.D.

Medical Director

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6

SUMMARY OF MATERIAL

Summary of Material Modification and Notice under All Summary Plan Descriptions (SPDs) of the UFCW National Health and Welfare Fundwith Short Term Disability (STD/Loss of Time) Benefits To: All Participants in the UFCW National Health and Welfare Fund Plans of Benefits with STD BenefitsFrom: Maurice Hodos, Fund AdministratorRe: Department of Labor Final Rule Regarding Disability Claims and AppealDate: Effective April 1, 2018In the case of disability benefits where disability is determined by a physician:

(1) If an internal rule, guideline, protocol, or other similar criterion was relied upon in making the adverse determination, either the specific rule, guideline, protocol, or other similar criterion; or a statement that such rule, guideline, protocol, or other similar criterion was relied upon in making the adverse determination and that a copy of the rule, guideline, protocol, or other similar criterion will be provided to you free of charge upon request.

(2) If the adverse benefit determination is based on a medical necessity or experimental treatment or similar exclusion or limit, either an explanation of the scientific or clinical judgment for the determination, applying the terms of the Plan to your medical circumstances, or a statement that such explanation will be provided to you free of charge upon request.

In addition to the Claims Review Procedure above, if your claim is for disability benefits and disability is determined by a physician, then the Claims Review Procedure provides that:

(a) Your claim will be reviewed without deference to the initial adverse benefit determination and the review will be conducted by an appropriate named fiduciary of the Plan who is neither the individual who made the adverse benefit determination that is the subject of the appeal, nor the subordinate of such individual.

(b) In deciding an appeal of any adverse benefit determination that is based in whole or part on medical judgment, the appropriate named fiduciary will consult with a health care professional who has appropriate training and experience in the field of medicine involved in the medical judgment.

(c) Any medical or vocational experts whose advice was obtained on behalf of the Plan in connection with your adverse benefit determination will be identified, without regard to whether the advice was relied upon in making the benefit determination.

(d) The health care professional engaged for purposes of a consultation under (b) above will be an individual who is neither an individual who was consulted in connection with the adverse benefit determination that is the subject of the appeal, nor the subordinate of any such individual.

In the case of disability benefits where disability is determined by a physician:(1) If an internal rule, guideline, protocol, or other similar criterion was relied upon in making the adverse

determination, either the specific rule, guideline, protocol, or other similar criterion; or a statement that such rule, guideline, protocol, or other similar criterion was relied upon in making the adverse determination and that a copy of the rule, guideline, protocol, or other similar criterion will be provided to you free of charge upon request.

(2) If the adverse benefit determination is based on a medical necessity or experimental treatment or similar exclusion or limit, either an explanation of the scientific or clinical judgment for the determination, applying the terms of the Plan to your medical circumstances, or a statement that such explanation will be provided to you free of charge upon request.

This document is a Summary of Material Modifications (“Summary”) intended to notify you of important provisions in the UFCW National Health and Welfare Fund Plans of Benefits (“the Plans”). You should take the time to read this Summary carefully and keep it with the copy of the Summary Plan Description that was previously provided to you. If you need another copy of the Summary Plan Description or if you have any questions regarding the Plan, please contact the Fund Office during normal business hours at 66 Grand Avenue, Englewood, NJ 07631, 1-888-773-8329 or visit our website at www.ufcwnationalfund.org.

7

MODIFICATION AND NOTICE

Summary of Material Modifi cation and Notice under AllSummary Plan Descriptions (SPDs) of the UFCW National Health and Welfare Fund with Comprehensive Medical Coverage To: All Participants in the UFCW National Health and Welfare Fund Plans of Benefi ts with Comprehensive Medical Health Insurance CoverageFrom: Maurice Hodos, Fund AdministratorRe: Coverage for External Prosthetic DevicesDate: Eff ective April 1, 2018External Prosthetic Devices: The Plan covers prosthetic devices (including wigs as described below) that are worn externally and that temporarily or permanently replace all or part of an external body part that has been lost or damaged because of an injury or disease.The plan covers up to 2 wigs, toupees or hairpieces per diagnosis/course of treatment

- if used to replace severe hair lost due to an injury or medical condition/disease or treatment of a disease (e.g., chemotherapy)

- if it is required to replace hair lost as a result of: burns resulting in permanent alopecia; lupus; alopecia totalis, alopecia universalis; fungal infections not responding to a course of anti-fungal treatment resulting in near or complete cranial hair loss; chemotherapy; or radiation therapy

- to a maximum of $350 per wig and supplies per diagnosis/course of treatment.The Plan does not cover wigs or hairpieces for the diagnosis of androgenetic alopecia (male pattern baldness).This document is a Summary of Material Modifi cations (“Summary”) intended to notify you of important provisions in the UFCW National Health and Welfare Fund Plans of Benefi ts (“the Plans”). You should take the time to read this Summary carefully and keep it with the copy of the Summary Plan Description that was previously provided to you. If you need another copy of the Summary Plan Description or if you have any questions regarding the Plan, please contact the Fund Offi ce during normal business hours at 66 Grand Avenue, Englewood, NJ 07631, 1-888-773-8329 or visit our website at www.ufcwnationalfund.org.

8

UFCW NATIONAL HEALTH AND WELFARE FUNDSUMMARY ANNUAL REPORT

SUMMARY ANNUAL REPORT FOR PERIODOCTOBER 1, 2016 TO SEPTEMBER 30, 2017

TO: ALL PLAN PARTICIPANTSFROM: THE TRUSTEESThis is a summary of the annual report for the UFCW National Health and Welfare Fund, Employer Identifi cation Number 22-1458594 Plan No. 501, for the period October 1, 2016 to September 30, 2017. The annual report has been fi led with the Employee Benefi ts Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).The plan has committed itself to pay all health, disability, dental, prescription drug, death and vision benefi ts claims incurred under the terms of the plan.

INSURANCE INFORMATIONThe plan has a contract with the U.S. Fire Insurance Company to pay stop loss claims incurred under terms of the plan. The total premiums paid for the plan year ending September 30, 2017 were $1,470,372.

BASIC FINANCIAL STATEMENTSThe value of plan assets, after subtracting liabilities of the plan, was $68,811,088 as of September 30, 2017 compared to $59,450,023 as of October l, 2016. During the plan year, the plan experienced an increase in its net assets of $9,361,065. This increase includes unrealized appreciation or depreciation in the value of the plan’s assets, that is, the diff erence between the value of the plan’s assets at the end of the year and the value of the assets at the beginning of the year or the cost of assets acquired during the year. During the plan year, the plan had total income of $120,300,705 including employer contributions of $114,175,117, participant contributions of $429,405, realized gain from the sale of assets of $298,051, earnings from investments of $5,232,103 and other income of $166,029.The plan had total expenses of $110,939,640 including $107,091,075 in benefi t payments and $3,848,565 in administrative expenses.

YOUR RIGHTS TO ADDITIONAL INFORMATIONYou have the right to receive a copy of the full annual report, or any part thereof, upon request. The items listed below are included in that report:

An accountant’s report.Financial information and information on payments to

service provides.Assets held for investment.Transactions in excess of 5 percent of plan assets.Insurance information, including sales commissions

paid by insurance carriers.To obtain a copy of the full annual report, or any part thereof, write or call the offi ce of:

UFCW NATIONAL HEALTH AND WELFARE FUND66 Grand Avenue, Englewood, NJ 07631-0751

(201) 569-8801

The charge to cover copying costs will be determined by the administrator.You also have the right to receive from the plan administrator, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of the income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the plan administrator, these two statements and accompanying notes will be included as part of that report. The charge to cover the copying costs does not include a charge for the copying of these portions of the report because these portions are furnished without charge. You also have the legally protected right to examine the annual report at the main offi ce of the plan:

UFCW NATIONAL HEALTH AND WELFARE FUND66 Grand Avenue, Englewood, NJ 07631-0751

or at the U.S. Department of Labor in Washington, D.C., or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department of Labor should be addressed to:

PUBLIC DISCLOSURE ROOM, N-1513EMPLOYEE BENEFITS SECURITY ADMINISTRATION

U.S. DEPARTMENT OF LABOR200 CONSTITUTION AVENUE, N.W.

WASHINGTON, DC 20210■

9

The solution to the epidemic is complicated. The following have the most promising potential.1. A growing cadre of health professionals say we already have a science-backed treatment

that works. It’s called medication-assisted treatment, or MAT, and it involves administering FDA-approved medications that help curb cravings and reduce the excruciating symptoms of withdrawal. Unfortunately, there are many roadblocks in the way for people to get this treatment. Some stem from a misconception about how the treatments — which can include buprenorphine, methadone, or naltrexone — work. The stigma surrounding drug use and addiction plays a role, too. Still, other issues include federal and state laws that restrict the availability of the medications.

2. Rehabilitation Centers – There are several different types:a. Patients in residential rehab live at the rehab center and attend individual and group treatment sessions

throughout the day. These programs last an average of 30 to 90 days, and in most cases, patients can’t leave the center.

b. Sober living housing is usually for patients who have completed rehab and then often live in a sober-living facility. It is generally a group home where residents have their own living space, contribute to the household by cooking, cleaning and doing other chores and follow strict rules such as being home by a certain hour, refraining from drug and alcohol use and either working or seeking employment.

c. Outpatient programs are for those who do not live at a rehab center and may visit one to attend group and individual therapy. Outpatient services usually focus on relapse prevention.

3. Employee Benefit Programsa. Disease Management Program. Many Welfare Funds have disease management programs which can work

with a participant who suffers from a substance abuse disorder.b. Employee Assistance Program. This is a plan that provides a wide range of services, including assistance with

alcohol and substance abuse.

THE ADDICTION TRAIL (continued from page 2)

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FROM THE FUND OFFICE (continued)

10

NOTICES

WOMEN’S HEALTH AND CANCER RIGHTS ACTAs required by the Women’s Health and Cancer Rights Act (WHCRA) of 1998, this plan provides coverage for

1. All stages of reconstruction of the breast on which the mastectomy has been performed; 2. Surgery and reconstruction of the other breast to produce a symmetrical appearance; and 3. Prostheses and physical complications of mastectomy, including lymphedemas, in a

manner determined in consultation with the attending physician and the patient. Such coverage may be subject to annual deductibles and coinsurance provisions as may be deemed appropriate and are consistent with those established for other benefi ts under the plan or coverage.

LEY DE DERECHOS DE LA MUJER SOBRE LA SALUD Y EL CÁNCERComo requerido por la Ley de la Salud de la Mujer & los Derechos del Cáncer (WHCRA) del 1998, este Plan proporciona cobertura para:

1. Todas las etapas de la reconstrucción del seno en la que se realizó la mastectomía;2. Cirugía y reconstrucciones del otro seno para producir una apariencia simétrica; y3. Prótesis y complicaciones físicas de la mastectomía, incluyendo los linfedemas, de una manera determinada en

consulta con el médico a cargo y el paciente.Tal cobertura puede estar sujeta a su deducible anual y las provisiones de co-seguro que se consideren apropiadas y sean consistentes con esas establecidas para otros benefi cios bajo el plan o cobertura.

Make confident medical decisions for your health and your financesAvoid additional medical costs.With Best Doctors, you have a convenient way to make sure you have the right diagnosis and treatment plan, without additional out-of-pocket expenses, co-pays, deductibles or medical bills. You can get confidential expert advice from the world’s leading doctors and make the best possible decisions about your health at no cost to you and any of your dependents.

As a Best Doctors member, you can:• Have your medical case reviewed by an expert specialist to confirm or

correct your diagnosis and treatment plan – without leaving home.

• Decrease the risks and costs of misdiagnosis, incorrect treatment plans, unnecessary surgery and poorly managed chronic conditions.

• Avoid unnecessary drugs, doctor’s visits and hospital stays – and those out-of-pocket expenses.

• Take a more active role in your care, exploring multiple options and making fully informed medical decisions.

866.904.0910 | members.bestdoctors.com

11

Want to take a disease risk/prevention quiz? Go online to: http://www.yourdiseaserisk.siteman.wustl.edu/

Want to learn more about the Aff ordable Care Act? Go online to: http://www.hhs.gov/healthcare/rights/

Want to learn about health care privacy? Go online to: http://www.hhs.gov/ocr/privacy/

WEBSITES

The UFCW National Health and Welfare Fund (the “Fund”) provides health benefi ts to eligible employees of the Fund and their eligible dependents as described in the Summary Plan Description(s) previously provided to each participant.

The Plan creates, receives, uses, maintains and discloses health information about participating members and dependents in the course of providing these health benefi ts. The Plan is required by law to provide notice to participants of the Plan’s duties and privacy practices with respect to covered individuals’ protected health information (PHI), and has done so by providing to Plan participants a notice of privacy practices, which describes the ways that the Plan uses and discloses PHI. To receive a copy of the Plan’s notice of privacy practices you should contact Maurice Hodos, Fund Administrator, who has been designated as the Plan’s contact person for all issues regarding the Plan’s privacy practices and covered individuals’ privacy rights. You can reach this contact person at:

UFCW National Health and Welfare Fund66 Grand Avenue, Englewood, NJ 07631

(201) 569-8801

REMINDER NOTICE OF AVAILABILITY OF THEUFCW NATIONAL HEALTH AND WELFARE FUND

NOTICE OF PRIVACY PRACTICES

El UFCW National Health and Welfare Fund (el “Fund”) proporciona benefi cios de salud a los empleados elegibles del Fund y sus dependientes elegibles, tal como se describe en las descripciones resumidas del plan proporcionadas previamente a cada participante.

El Plan crea, recibe, utiliza, mantiene y revela información sobre la salud de los miembros participantes y dependientes en el transcurso de proporcionar estos benefi cios de salud. La ley exige que el Plan notifi que a los participantes de los deberes y las prácticas de privacidad del Plan con respecto a la información de salud protegida (PHI) de las personas cubiertas, y lo ha hecho proporcionando a los participantes del Plan una notifi cación de prácticas de privacidad que describe las formas en que el Plan usa y revela PHI. Para recibir una copia de la notifi cación de prácticas de privacidad del Plan, debe comunicarse con Maurice Hodos, Administrador del Fund, que ha sido designado como la persona de contacto del Plan para todas las cuestiones relacionadas con las prácticas de privacidad del Plan y los derechos de privacidad de los individuos cubiertos. Puede comunicarse con esta persona en:

UFCW National Health and Welfare Fund66 Grand Avenue, Englewood, NJ 07631

(201) 569-8801

AVISO DE RECORDATORIO DE DISPONIBILIDAD DELUFCW NATIONAL HEALTH AND WELFARE FUND

INFORME DE PRÁCTICAS DE PRIVACIDAD

66 GRAND AVENUE, ENGLEWOOD, NJ 07631

CHANGE OF ADDRESS FORMTo notify the Fund Office of a change in your address, please print this form, clearly print the information* requested and mail it to: Eligibility Department, UFCW National Health and Welfare Fund, 66 Grand Avenue, Englewood, NJ 07631-3545

Member’s Name: (please print) ____________________________________________________________________________________

Member’s SS # or ID Number: (from your health insurance card) ________________________________________________________

New Address: ______________________________________________________

City: _______________________________________________________ State: ____________________ Zip: _____________

Effective Date of New Address: __________________________________________________________________________________

Telephone Number: ( _________ ) _________________________________ Please 4 ( ) Home ( ) Cellular

Email Address: __________________________________________________________________________________________________

Member’s Signature: _____________________________________________________________ Date Signed: _________________

Please remember that: You are required to notify the Fund Office within 30 days of the event when you have a change in family status and/or want to change your life insurance beneficiary. A failure to notify the Fund may delay eligibility until your employer’s open enrollment period or, in absence of an open enrollment period, until the anniversary of the renewal of the Fund’s contract with your employer. A change in family status occurs when:• You get married, divorced or your marriage is annulled• Birth or adoption of a child, or a child placed for adoption• Death of a dependent

WE HAVEMOVED!

*All information is confidential.