Summary Plan Description as of January 1, 2026

Benefits for Southern California IBEW-NECA Eligible Retirees and Eligible Spouses

Summary Plan Description as of January 1, 2026

IMPORTANT NOTICE TO ALL PLAN PARTICIPANTS

The Board of Trustees has the sole and absolute authority and discretion to interpret the provisions of this Plan and determine all disputed issues of fact related to eligibility under the Plan or the amount of benefits payable under the Plan. All such interpretations and determinations adopted in good faith by the Board of Trustees will be final and binding upon all parties including, but not limited to, all Participants and beneficiaries. Any such interpretation or determination may be overturned by an arbitrator or court only if such arbitrator or court finds that the Board of Trustees' interpretation or determination was arbitrary, capricious, an abuse of discretion and/or unlawful.

Benefits under the Southern California IBEW-NECA Retiree Health Plan are partially financed via collectively-bargained contributions that are specifically designated to provide health benefits to retired Employees.

There is no vested right to receive Plan benefits. The Board of Trustees may change, modify, reduce or terminate the Plan at any time as a result of conditions or events requiring such action.

Requirements for eligibility, provisions controlling self-funded benefits and any similar items are set forth in one or more Summary Plan Descriptions and amendments thereto, and provisions controlling insured benefits are set forth in insurance policies, HMO and DMO contracts, Evidence of Coverage and Summary of Benefits and Coverage as are in effect from time to time which all collectively along with the Agreement & Declaration of Trust make up the Plan Document.