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This Certificate of Coverage is your Summary Plan Description and contains the Uniform Benefits offered under the Group Health Insurance Program.

This Summary Plan Description is a supplement to the Section 125 Cafeteria Plan Document (ET-1904), for members and employees. This publication summarizes the basic features of the plan.

This brochure describes your group term life insurance protection and is your certificate of participation, give a valid enrollment form is on file with ETF and premiums are being paid.

The income continuation insurance (ICI) benefit is a voluntary income replacement benefit payable if you become disabled.