1199SEIU Benefit and Pension Funds330 West 42nd StreetNew York, NY 10036-6977

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Important Benefit Notices Inside this Issue

Questions: Call (646) 473-8666 Outside NYC: (800) 575-7771www.1199SEIUBenefits.org

1199SEIU Retired Members

Bulletin

Explore Age-Friendly Websites Age-Friendly NYC, a joint initiative of the NYC Mayor’s Office, the NYC Council and the New York Academy of Medicine, is dedicated to making New York a great place for seniors. Here are just a few of the initiatives you can read about through their network of websites at www.AgeFriendlyNYC.org:

• To learn about programs for the liberal and creative arts, computers and technology, business, job skills, personal growth and more, go to www.AgeFriendlyCollege.org.

• To learn about cultural events happening in your borough, download NYC-ARTS’ cultural guide books for seniors. The books provide information on ticket and member discounts, accessibility and locations and hours for local museums, dance and theater venues, libraries, zoos and more. Go to www.NYC-ARTS.org/seniors.

• Get information on upcoming cultural events, senior services and programs, community partners and senior centers near your home at the Department for the Aging website, www.NYC.gov/aging.

• Join the Theatre Development Fund (TDF), a nonprofit organization that works to make theater affordable and accessible to all. For full details, visit www.TDF.org.

ABOUT CHAPTER MEETINGS AND CLASSES!January 2019

Important News

QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-7771

JANUARY CHAPTER MEETINGS

Florida ChaptersBroward – Leon Davis ChapterTuesday, January 8 – 1:00 pm to 3:00 pmTamarac Community Center – Coconut Palm Room8601 West Commercial Blvd. • Tamarac, FL 33351

Casselberry – Doris Turner Chapter NEW TIMEThursday, January 17 – 12:45 am to 2:45 pmCasselberry Public Library215 North Oxford Road • Casselberry, FL 32707

Fort Myers Chapter Monday, January 28 – 11:00 am to 1:00 pmThe Riverside Community Center3061 East Riverside Drive • Fort Myers, FL 33916

Miami-Dade – Ossie Davis Chapter Thursday, January 3 – 10:30 am to 12:30 pmNorland United Methodist Church885 NW 195th StreetMiami Gardens, FL 33169

North Port ChapterTuesday, January 29 – 11:00 am to 1:00 pmMorgan Family Community Center6207 West Price Blvd. • North Port, FL 34291

Orlando ChapterWednesday, January 16 – 11:00 am to 1:00 pmUAW Local #7881825 West Oak Ridge Road • Orlando, FL 32809

Palm Bay/Melbourne ChapterTuesday, January 15 – 1:30 pm to 3:30 pmPalm Bay Community Center—Room C1502 Port Malabar Blvd., NE • Palm Bay, FL 32905

Port St. Lucie Chapter NEW DAY Monday, January 7 – 11:00 am to 1:00 pm Port St. Lucie Community Center2195 SE Airoso Blvd. • Port St. Lucie, FL 34984

South Palm Beach ChapterThursday, January 10 – 10:00 am to noonTemple Anshei Shalom7099 West Atlantic Avenue • Delray Beach, FL 33446

Tampa Chapter Wednesday, January 30 – 11:00 am to 1:00 pmSpringhill Suites by Marriott4835 West Cypress Street • Tampa, FL 33607

West Palm Beach ChapterWednesday, January 2 – 11:00 am to 1:00 pmSt. Christopher’s Episcopal Church – Parish Hall1063 North Haverhill Road • West Palm Beach, FL 33417

For further information, contact Elizabeth (Lisa) Tilson:Elizabeth.Tilson@1199Funds.org; Toll-free: (877) 369-8340Palm Beach County: (561) 367-3739; Fax: (561) 617-7099PO Box 6688, Delray Beach, FL 33482

New York ChaptersBronx – Joseph James ChapterFriday, January 11 • 11:00 am to 1:00 pm1199SEIU Healthcare & Education Center2501 Grand Concourse, Room 301 • Bronx, NY 10468

Brooklyn – Marshall Dubin Chapter Wednesday, January 30 • 11:00 am to 1:00 pmBrooklyn College – Student Center, 2nd FloorEast 27th Street & Campus Road • Brooklyn, NY 11210

Brooklyn – Mattie Small ChapterFriday, January 18 • 11:30 am to 1:30 pm1199SEIU Brooklyn Office25 Elm Place (between Fulton & Livingston Streets) • Brooklyn, NY 11201

East Harlem – Leon Davis ChapterFriday, January 25 • 10:30 am to noonJefferson Senior Center2205 First Avenue • New York, NY 10029

Hicksville – Milton Konowe ChapterWednesday, January 16 • 11:00 am to 1:00 pm1199SEIU Hicksville Office100 Duffy Avenue • Hicksville, NY 11801

New Hyde Park – Eleanor Tilson ChapterTuesday, January 15 • 2:00 pm to 3:30 pmNorthwell Health (formerly NS-LIJ) Cohen Children’s Medical CenterCafeteria – Lower Level269-01 76th Avenue • New Hyde Park, NY 11040

North Bronx – Bernard Minter Chapter Tuesday, January 8 • 1:00 pm to 3:00 pmHoly Rosary Church1510 Adee Avenue (enter at parking lot) • Bronx, NY 10469

Queens – Edward Garrins Chapter Tuesday, January 22 • 11:30 am to 1:00 pmMajority Baptist Church115-21 Farmers Blvd. • St. Albans, NY 11412

Staten Island Chapter Tuesday, January 8 • 1:30 am to 3:00 pm1199SEIU Training and Employment Funds Office790 Port Richmond Avenue (off Forest Avenue) • Staten Island, NY 10302

Suffolk County Chapter NO CHAPTER MEETINGS UNTIL APRILFirst Baptist Church of Riverhead1018 Northville Turnpike • Riverhead, NY 11901

Westchester – Hudson Valley Region Chapter Stay healthy! Come to our yoga class and chapter meeting on Wednesday, January 9. Yoga: 11:30 am • Chapter Meeting: 12:30 pm1199SEIU United Healthcare Workers East99 Church Street • White Plains, NY 10601

North & South Carolinas ChapterFriday, January 18 • 9:30 am to noonBirnie Hope Center • 210 South Purdy Street • Sumter, SC 29150For more information, call (843) 861-1265.

January 2019 2

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January 2019 8 QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-7771QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-77713 January 2019

LEGAL NOTICES

Save the Date! 1199SEIU Florida Retiree Banquet

The annual Florida Retiree Banquet will be held on Tuesday, April 16, 2019, at the Orlando World Center Marriott, 8701 World Center Drive, Orlando, FL 32821

Tickets will only be sold at Florida chapter meetings during the months of January, February and March, and must be purchased with a money order. Please leave the “PAY TO” area

of your money order blank until after your membership has been verified. The cost per ticket is $10 per member and $20 per guest.

Important: All ticket purchases are subject to verification of membership. No cash or checks will be accepted. No ticket purchases or reservations by mail or at the door.

Each retiree may bring ONE guest.

Tuesday, April 16, 2019

Sign Up for “Seniors Out Speaking”

Manhattan Headquarters: Thursday, January 3 • 9:30 am to noon330 West 42nd Street, 33rd Floor (Penthouse)New York, NY 10036

Staten Island: Tuesday, January 8 • 3:00 pm to 4:30 pm790 Port Richmond Avenue (off Forest Avenue)Staten Island, NY 10302

Hicksville: Tuesday, January 15 • 9:30 am to noon100 Duffy Avenue, 3rd FloorHicksville, NY 11801

Become a volunteer in the Medicare Rights Center’s “Seniors Out Speaking” (SOS) program and help educate other seniors about their Medicare benefits. For more information about our 1199SEIU SOS volunteer program, call (646) 473-6916.

The 1199SEIU Health Care Employees Pension Fund (“Fund”) Plan and/or SPD is hereby clarified by adding the following underlined and bold language, and omitting the strikethrough language:

SECTION 3 (Plan)CREDITED SERVICE…

3.2 The term “Credited Service” as used in calculating benefit amounts in Section 5 and Section 6 shall be specifically identified as:

(a) Credited Future Service except as provided in (c), (d), and (d) (e), means, for each Participant, his total service on and after his Applicable Effective Date, credited at the rate of one (1) month for each month for which Contributions are required to be made to the Fund by reason of the Participant’s employment. In addition, each Participant employed after his Applicable Effective Date shall be credited with one (1) month of Credited Future Service, to a maximum of six (6) months, for each month of employment with a Contributing Employer in a bargaining unit position prior to the date Contributions are required to be made to the Fund by reason of the Participant’s employment. During such periods for which no Contributions are required from a Contributing Employer in accordance with a resolution adopted or action taken by the Trustees, the accrual of Credited Future Service shall be determined in accordance with the adopted resolution or action of the Trustees. …

(e) Credited Service shall not include the total service for each Pensioner on and after his Retirement date during any such period s/he collects a pension before the April 1 of the year following the calendar year s/he attains age 70 ½.

(ef) Moreover, a Participant who was a participant in the 1199SEIU Health Care Employees Pension Fund for the 144 Hospital Division (“144 Fund”) and became a Participant in this Plan as a result of the merger of the “144 Fund” into the Trust Fund shall not be entitled to Credited Past Service under the terms of this Plan.

(fg) Moreover, a Participant who was a participant in the Pension Fund of Local 721 S.E.I.U. (the “721 Fund”) and became a Participant in this Plan as a result of the merger of the 721 Fund into the Trust Fund, shall not be entitled to Credited Past Service under the terms of this Plan.…

SECTION 11 (Plan)PAYMENT OF PENSIONS…

11.7 A pension benefit can be made to a Pensioner who becomes actively employed, provided however that, except as required by law, no pension benefit payment shall be made or continue to be made to a Pensioner who is actively employed in full- or part-time employment for more than 40 hours per month: (a) in the healthcare or human service industry or a related industry (including, but not limited to, hospitals, nursing and convalescent homes, drugstores, laboratories, medical schools, and universities), and(b) utilizing skills applicable to his previous employment in the healthcare or human service or related industry, and (c) in an Area covered by the Plan and within the meaning of “Section 202(a)(3)(B) Service” pursuant to Department of Labor Regulations 29 C.F.R.§2530.203-3(c)(2).

A Pensioner who becomes actively employed and whose benefits are not suspended as described above shall not accrue Credited Service for any Covered Employment during which s/he is receiving a Plan pension benefit before the April 1 of the year following the calendar year s/he attains age 70 ½. … SECTION II.B (SPD)CREDITED SERVICE …

CREDITED FUTURE SERVICE

You generally earn Credited Future Service when you are working in Covered Employment. This is when contributions are required to be made on your behalf. Once you become a Plan Participant, you earn Credited Future Service for each of the following: • Each month that you have a period of Covered Employment with a Contributing Employer and for which you did not receive a Plan pension payment (except as described in Sections IV.E and IV.F); …

SECTION III.E (SPD)EMPLOYMENT AFTER RETIREMENT

After you Retire and begin to collect a Plan pension, you may return to employment under certain circumstances and continue to receive your monthly pension. However, if you return to employment after you Retire: • Your service during any month for which you collect a Plan pension payment shall not be Credited Service; and • Your Plan pension payments will be suspended for any month in which you work in Disqualifying Employment. …

NOTE: There is one exception: You may collect your pension and accrue Credited Service, without regard to Disqualifying Employment, for months you work in Covered Employment after April 1 of the year following the calendar year you turn 70 ½. Please see the rules in Sections IV.E and IV.F for more details. if you worked in Disqualifying Employment after age 70 ½. …

SECTION XII (SPD)KEY TERMS AND DEFINTIONS…

Credited Service

Months or years of service in Covered Employment with a Contributing Employer, excluding months before April 1 of the year following the calendar year the Pensioner attains age 70 ½ for which Plan pension payments are made. This is the service that is used in the formula to calculate your pension. It can also be used to determine vesting and eligibility for benefits. There are two types of Credited Service: Credited Future Service and

Credited Past Service.…

Effective January 1, 2019, the Plan is further amended by adding the following underlined and bold language, and omitting the strikethrough language:

SECTION 5 (Plan)AMOUNT OF PENSION…

5.3Early Retirement Pension:(a) (I) For Retirees commencing benefit payments prior to January 1, 2019, the Early Retirement Pension shall be an amount computed in accordance with the formula in Section 5.2 reduced by one-half percent (1/2%) for each month by which the actual retirement date precedes the Normal Retirement Date, and (II) for Retirees commencing benefit payments on or after January 1, 2019, the Early Retirement Pension shall be an amount computed in accordance with the formula in Section 5.2 reduced (A) for Participants born before July 1, 1959 (and in Covered Employment on or before December 31, 2018), by one-half percent (1/2%) for each month by which the actual retirement date precedes the Normal Retirement Date, and (B) for Participants born on or after July 1, 1959, actuarially reduced (based on the interest and mortality tables identified in Section 12.4(b)[iii]) to take into account the period between the benefit commencement date and his Normal Retirement Date, provided, however that:

(i) a Participant whose last hour of Credited Service and/or Vesting Service was on or after June 15, 1995 but before July 1, 1998 after (I) attainment of at least age sixty-two (62) and (II) completion of twenty-five (25) years of Credited Service and/or twenty-five years of Vesting Service, shall be entitled to an immediate unreduced Early Retirement Pension computed in accordance with the formula in Section 5.2.

(ii) For Retirees commencing benefit payments prior to January 1, 2019, a Participant whose last hour of Credited Service and/or Vesting Service was on or after July 1, 1998 after (I) attainment of at least age sixty-two (62) and (II) completion of twenty (20) years of Credited Service and/or twenty (20) years of Vesting Service, shall be entitled to an immediate unreduced Early Retirement Pension computed in accordance with the formula in Section 5.2.

(iii) For Retirees commencing benefit payments on or after January 1, 2019, (A) a Participant, born before July 1, 1959 (and in Covered Employment on or before December 31, 2018), whose last hour of Credited Service and/or Vesting Service was on or after July 1, 1998 after (I) attainment of at least age sixty-two (62) and (II) completion of twenty (20) years of Credited Service and/or twenty (20) years of Vesting Service, shall be entitled to an immediate unreduced Early Retirement Pension computed in accordance with the formula in Section 5.2 and (B) a Participant born on or after July 1, 1959, whose last hour of Credited Service and/or Vesting Service was after (I) attainment of at least age sixty-two and a half (62.5) and (II) completion of twenty-five (25) years of Credited Service and/or twenty-five (25) years of Vesting Service, shall be entitled to an immediate unreduced Early Retirement Pension computed in accordance with the formula in Section 5.2.

(b) In lieu of an immediate monthly pension, a Participant may elect a deferred Early Retirement Pension to commence on the first of any month after his Early Retirement Date and on or before his Normal Retirement Date in which case such Early Retirement Pension shall be the amount computed in accordance with the formula in Section 5.2 reduced as described in 5.3(a). by one-half percent (1/2%) for each month in which payments commence prior to Normal Retirement Date.

(c) Notwithstanding the foregoing, the Early Retirement Pension of a Participant on whose behalf contributions are made at a rate which is less than minimum rate established by the Trustees for the benefits described in Sections 5.2 (a) and (b) above, shall be the amount described in Appendix C hereto.

(d) Notwithstanding the foregoing paragraphs 5.3(a) and (b), for a Participant born on or after July 1, 1959, and commencing Retirement benefits on or after January 1, 2019, his early retirement benefit is the greater of (i) the benefit earned as of December 31, 2018, using the reduction factors described in 5.3(a)(I), or unreduced after attainment of age sixty-two (62) with twenty (20) years of Credited and/or Vesting Service (provided the last hour of Credited Service and/or Vesting Service was after attainment of at least age sixty-two (62)) and (ii) the benefit described in paragraph 5.3(a) (II)(B).…

Effective October 1, 2018, the Plan is amended by adding the following bold and underlined language, and omitting the strikethrough language:

SECTION 3 (Plan)CREDITED SERVICE…

3.2The term “Credited Service” as used in calculating benefit amounts in Section 5 and Section 6 shall be specifically identified as: (a) Credited Future Service except as provided in (c), and (d), and (gh) means, for each Participant, his total service on and after his Applicable Effective Date, credited at the rate of one (1) month for each month for which Contributions are required to be made to the Fund by reason of the Participant’s employment. …

(gh)Notwithstanding the foregoing, a Participant whose first hour of Participation is on or after October 1, 2018, shall not accrue Credited Future Service until the first anniversary of employment in the bargaining unit for which Contributions are required to be made to the Fund.…________________________________________________________________________

This summary only highlights the key changes made to the 1199SEIU Health Care Employees Pension Fund. Summaries of material modifications together with the Summary Plan Description make up your official plan descriptions; please keep them together and refer to them as necessary. We have made every attempt to ensure the accuracy of the information in this summary and the Summary Plan Description. However, if there is any discrepancy between them and the Plan Document, insurance contracts or other legal documents, the legal documents will always govern. If you would like to review the Plan Document or have any questions, please contact the Fund’s Member Services Representatives at (646) 473-9200.

The plan sponsor of the 1199SEIU Health Care Employees Pension Fund reserves the right to amend or terminate the 1199SEIU Health Care Employees Pension Fund, or any part of it, at any time.

1199SEIU HEALTH CARE EMPLOYEES PENSION FUNDSUMMARY OF MATERIAL MODIFICATIONS

This Summary of Material Modifications describes changes that affect your pension plan and updates the Summary Plan Description (“SPD”) that was previously distributed to you. You should keep this summary with your current SPD until the booklet is updated to reflect the changes discussed herein.

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QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-77717 January 2019

LEGAL NOTICES

QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-7771 January 2019 4

To learn about trip and vacation offers, call (800) 431-1130, ext. 5537. Please note that the

travel company—not the Funds or the Union—is solely responsible for the trips provided.

Yoga ClassesClasses are held four times each month, except where noted.*Please check the calendar for exact dates.

Bronx Wednesdays, noon to 1:00 pm1199SEIU Healthcare & Education Center2501 Grand Concourse, Room 301 • Bronx, NY 10468

Brooklyn Advanced Chair Yoga class: Fridays, 10:00 am to 11:00 amBeginners’ Chair Yoga class: Fridays, 12:15 pm to 1:15 pm25 Elm Place (between Fulton & Livingston Streets), Rooms 4 & 5 Brooklyn, NY 11201

Hicksville Yoga/Meditation class: Tuesdays, 9:00 am to 10:00 am* *(three classes per month—please check the calendar)Beginners’ Yoga Class: Wednesdays, 9:00 am to 10:00 amAdvanced Yoga Class: Wednesdays, 10:00 am to 11:00 am 100 Duffy Avenue, 3rd Floor • Hicksville, NY 11801

Manhattan Headquarters Thursdays, 11:00 am to noon Fridays, 2:00 pm to 3:00 pm330 West 42nd Street, 9th Floor • New York, NY 10036

New Hyde Park* Tuesday, January 15, 1:00 pm to 2:00 pm * (one class per month)Northwell Health Cohen Children’s Medical Center Teaching Center—Cafeteria—Lower Level269-01 76th Avenue • New Hyde Park, NY 11040

Queens Yoga/Meditation class: Mondays, 10:00 am to 11:00 am Hatha Yoga class: Mondays, 11:15 am to 12:15 pm Hatha Yoga is the root of the physical yoga practice. Groups and individuals use this ancient, classic yoga style to get fit and encourage a healthy mind-body connection.Intermediate Mat Yoga class: Tuesdays, 10:00 am to 11:00 amBeginners’ Chair Yoga class: Tuesdays, 11:15 am to 12:15 pmDevore Dance Center • 205-05 Hollis Avenue, Main Floor • Jamaica, NY 11412

Suffolk County*NO CLASSES UNTIL APRILBeginners’ Yoga/Meditation class*(three classes per month, from 11:00 am to 1:00 pm—please check the calendar)Yoga class: Thursdays, 11:00 am to noon;Meditation class: Thursdays, noon to 1:00 pmFirst Baptist Church of Riverhead • 1018 Northville Turnpike Riverhead, NY 11901

White Plains Wednesdays, 11:30 am to 12:30 pm1199SEIU Benefit and Pension FundsWhite Plains Office • 99 Church Street • White Plains, NY 10601

Tai Chi Now in White Plains!Learn this low-impact Chinese martial art designed to help you lower stress and increase wellness through a series of gentle physical exercises. The class meets at our White Plains chapter four Wednesdays per month, from 10:15 am to 11:15 am.

Unwind with Mindfulness Meditation in BrooklynBoost your mental and physical well-being with our Mindfulness-Based Stress Reduction class in Brooklyn. You’ll learn a combination of meditation and yoga to help ease stress and increase your energy. The class meets on Mondays from noon to 1:00 pm. Please check the calendar for exact dates.

Arts & Crafts Classes in Brooklyn! Explore your creative side with an Arts & Crafts class in our Brooklyn chapter. Except on holidays, the class meets four Mondays each month, from 1:00 pm to 3:00 pm.

Dance ClassesIf you’re interested in learning the latest dance steps, come join our dance classes. Classes are held four times a month, except where noted. Please check the calendar for exact dates.

Manhattan Headquarters Fridays, 1:00 pm to 2:00 pm330 West 42nd Street • New York, NY 10036

Brooklyn Mondays, 11:00 am to noonWednesdays, 2:00 pm to 3:00 pm25 Elm Place (between Fulton & Livingston Streets)Brooklyn, NY 11201

Hicksville Wednesdays, 11:00 am to noon100 Duffy Avenue, 3rd Floor • Hicksville, NY 10036

Queens Mondays, 12:30 pm to 1:30 pm Devore Dance Center • 205-05 Hollis Avenue, Main FloorJamaica, NY 11412

Shakespeare ClassTuesdays, 12:30 pm to 1:30 pm1199SEIU RMD, 330 West 42nd Street, 9th Floor

The class is now reading A Midsummer’s Night Dream, a comedic classic of love and loss, framed by the mischievous antics of imps, spirits, gods and goddesses.

Effective June 21, 2018, the 1199SEIU National Benefit Fund for Health and Human Service Employees (“Benefit Fund”) SPD is hereby clarified by adding the following underlined and bold language, and omitting the strikethrough language:

SECTION II.F SURGERY AND ANESTHESIA…

WHAT IS NOT COVERED

The Benefit Fund will not pay Surgical or Anesthesia Benefits if your surgery was:…

• Performed primarily for cosmetic purposes, except when needed to correct gross disfigurement resulting from surgery, an illness or an accident/injury that occurred while you were covered by the Benefit Fund. …

SECTION VII.D WHAT IS NOT COVERED

In addition to the various exclusions and limitations set forth elsewhere in this SPD, to the extent permitted by law, the Benefit Fund does not cover the following charges:

…

• To the extent permitted by law, cCharges related to your illnesses, accidents or injuries that were the result of you committing a criminal act (except as a victim of domestic abuse) or deliberately self-inflicted (except where attributable to a mental condition) that was deliberately self-inflicted except where such illness or accident/injury is attributable to a mental condition or that resulted from the person committing an illegal act …

Effective January 1, 2019, the SPD is further amended by adding the following underlined and bold language, and omitting the strikethrough language:

SECTION VI. ARETIREE HEALTH BENEFITS

The Benefit Fund offers several Health Benefit packages for 1199SEIU retirees, each with specific rules for eligibility, which are explained in greater detail on the following pages.

The benefits for which you are eligible depend on your age and Years of Pension Fund Credited Service. These benefits will be different from the benefits you were eligible for as a working member.

To determine what package of Retiree Health Benefits you are eligible for, refer to the appropriate section: • If you retire at or after age 65 with at least 10 Years of Pension Fund Credited Service (Sections VI.C and VI.D) • If you retire between ages 62 through 64, on or after July 1, 1998, with at least 20 Years of Pension Fund Credited Service (or at least 25 Years of Pension Fund Credited Service if you retired on or after June 15, 1995, but before July 1, 1998) If you retire before age 65 with an unreduced Pension Benefit from the

1199SEIU Health Care Employees Pension Fund (Sections VI.E and VI.F)…

SECTION VI. EIF YOU RETIRE BETWEEN AGES 62.5 THROUGH 64 (WITH AT LEAST 20 25 YEARS OF PENSION FUND CREDITED SERVICE)

You and your spouse are eligible for the benefits described in this section when you retire before age 65 with an unreduced Pension Benefit from the 1199SEIU Health Care Employees Pension Fund. at or after age 62 and before age 65 with Wage Class I Benefits and at least 20 Years of Pension Fund Credited Service if you retire on or after July 1, 1998 (or at least 25 Years of Pension Fund Credited Service if you retired on or after June 15, 1995, but before July 1, 1998). …

ELIGIBILITY…

In addition [to the other Eligibility criteria], you must meet all of the following conditions:

• Retire between the ages of 62 through 64 before age 65 with an unreduced Pension Benefit from the 1199SEIU Health Care Employees Pension Fund…____________________________________________________________________________________

This summary only highlights the key changes made to the 1199SEIU National Benefit Fund for Health and Human Service Employees. Summaries of material modifications together with the Summary Plan Description make up your official plan descriptions; please keep them together and refer to them as necessary. We have made every attempt to ensure the accuracy of the information in this summary and the Summary Plan Description. However, if there is any discrepancy between them and the Plan Document, insurance contracts or other legal documents, the legal documents will always govern. If you would like to review the Plan Document or have any questions, please contact the Fund’s Member Services Representatives at (646) 473-9200.

The National Benefit Fund believes it is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the “Affordable Care Act”). A grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted in 2010. Being a grandfathered health plan means that this plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for an external review process for claims appeals. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits. The Wage Class III plan is not a grandfathered health plan. Questions regarding which protections apply and which protections do not apply to a grandfathered health plan can be directed to the Plan Administrator at (646) 473-9200. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at (866) 444-3272 or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.

The plan sponsor of the 1199SEIU National Benefit Fund for Health and Human Service Employees reserves the right to amend or terminate the 1199SEIU National Benefit Fund for Health and Human Service Employees, or any part of it, at any time.

1199SEIU NATIONAL BENEFIT FUND FOR HEALTH AND HUMAN SERVICE EMPLOYEESSUMMARY OF MATERIAL MODIFICATIONS

This Summary of Material Modifications describes changes that affect your welfare benefit plan and updates the Summary Plan Description (“SPD”) that was previously distributed to you. You should keep this summary with your current SPD until the booklet is updated to reflect the changes discussed herein.

Discrimination Is Against the Law

The 1199SEIU Benefit Funds comply with applicable federal civil rights laws and do not discriminate against or exclude people on the basis of race, color, national origin, age, disability or sex. The Funds provide free aids and services to people with disabilities to communicate effectively with us, such as qualified sign language interpreters and written information in other formats (large print, audio, accessible electronic formats). The Funds provide free language services to people whose primary language is not English, such as qualified interpreters and information written in other languages. If you need these services, contact the Compliance Coordinator. If you believe the Funds have failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability or sex, you can file a grievance with: Compliance Coordinator, 330 West 42nd Street, New York, NY 10036; (646) 473-6600 (phone); (646) 473-8959 (fax); PrivacyOfficer@1199Funds.org (email). You can file a grievance in person or by mail, fax or email. If you need help filing a grievance, the Compliance Coordinator can help you.

You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services • 200 Independence Avenue, SW • Room 509F, HHH Building • Washington, DC 20201 • (800) 368-1019; (800) 537-7697 (TDD).

Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.

Language Assistance Services

ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al (646) 473-9200.

注意：如果您使用繁體中文，您可以免費獲得語言援助服務。請致電 (646) 473-9200。

ВНИМАНИЕ: Если вы говорите на русском языке, то вам доступны бесплатные услуги перевода. Звоните (646) 473-9200.

ATANSYON: Si w pale Kreyòl Ayisyen, gen sèvis èd pou lang ki disponib gratis pou ou. Rele (646) 473-9200.

주의: 한국어를 사용하시는 경우, 언어 지원 서비스를 무료로 이용하실 수 있습니다(646) 473-9200.

ATTENZIONE: In caso la lingua parlata sia l’italiano, sono disponibili servizi di assistenza linguistica gratuiti. Chiamare il numero (646) 473-9200.

פאר אייך שפראך הילף סערוויסעס פריי פון אפצאל .רופט אויפמערקזאם: אויב איר רעדט אידיש, זענען פארהאן(646) 473-9200.

UWAGA: Jeżeli mówisz po polsku, możesz skorzystać z bezpłatnej pomocy językowej. Zadzwoń pod numer (646) 473-9200.

ATTENTION: Si vous parlez français, des services d’aide linguistique vous sont proposés gratuitement. Appelez (646) 473-9200.

PAUNAWA: Kung nagsasalita ka ng Tagalog, maaari kang gumamit ng mga serbisyo ng tulong sa wika nang walang bayad. Tumawag sa (646) 473-9200.

ΠΡΟΣΟΧΗ: Αν μιλάτε ελληνικά, στη διάθεσή σας βρίσκονται υπηρεσίες γλωσσικής υποστήριξης, οι οποίες παρέχονται δωρεάν. Καλέστε (646) 473-9200.

KUJDES: Nëse flitni shqip, për ju ka në dispozicion shërbime të asistencës gjuhësore, pa pagesë. Telefononi në (646) 473-9200.

: ,

149129 RMD - JanFinal.indd 3 12/10/18 11:37 AM

January 2019 6

NEW YORK JANUARY CALENDAR Classes are open to all retirees and are free of charge. No registration is required.

QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-77715 January 2019 * Sponsored by HealthCare Partners, IPA

710-11 Chi Gong (BKLYN)10-11 Yoga*/Meditation (QNS)10:30-11:30 Opera Appreciation11-12 Dance (BKLYN)11:15-12:15 Hatha Yoga* (QNS)12-1 Mindfulness Meditation (BKLYN)12:30-1:30 Dance (QNS)1-3 Arts & Crafts (BKLYN)1:30-3:30 Executive Committee Meeting

1410-11 Chi Gong (BKLYN)10-11 Yoga*/Meditation (QNS)10:30-11:30 Opera Appreciation11-12 Dance (BKLYN)11:15-12:15 Hatha Yoga* (QNS)12-1 Mindfulness Meditation (BKLYN)12:30-1:30 Dance (QNS)1-3 Arts & Crafts (BKLYN)

21

OFFICE CLOSED

89-10 Yoga*/Meditation (Hicksville)9:30-12 Photography10-11 Mat Yoga* (Int) (QNS)10:30-12 Drama11-1 Knitting & Crocheting (Beg) (QNS)11:15-12:15 Chair Yoga* (Beg) (QNS)12:30-1:30 Shakespeare12:30-3 Art1:15-2:15 Zumba Gold (QNS)1:30-3 Discussion Group

159:30-12 Photography10-11 Mat Yoga* (Int) (QNS)10:30-12 Drama11-1 Knitting & Crocheting (Beg) (QNS)11:15-12:15 Chair Yoga* (Beg) (QNS)12:30-1:30 Shakespeare12:30-3 Art1-2 Yoga* (New Hyde Park)1:15-2:15 Zumba Gold (QNS)1:30-2:30 Falun Dafa (SI)1:30-3 Discussion Group1:30-3 Mat Yoga* (SI)

229-10 Yoga*/Meditation (Hicksville)9:30-12 Photography10-11 Mat Yoga* (Int) (QNS)10:30-12 Drama11-1 Knitting & Crocheting (Beg) (QNS)11:15-12:15 Chair Yoga* (Beg) (QNS)12:30-1:30 Shakespeare12:30-3 Art1:15-2:15 Zumba Gold (QNS)1:30-2:30 Falun Dafa (SI)1:30-3 Discussion Group1:30-3 Mat Yoga* (SI)

169-10 Yoga* (Beg) (Hicksville)9-11 Knitting & Crocheting (Beg) (BKLYN)10-11 Yoga* (Adv) (Hicksville) 10-12 Knitting & Crocheting (Beg) 10:15-11:15 Tai Chi (White Plains)11-1 Knitting & Crocheting (Int/Adv) (BKLYN)11:30-12:30 Yoga* (White Plains)12-1 Yoga* (BX) 12:30-4:30 Knitting & Crocheting (Int/Adv)1-2 Bingo (White Plains)1-2 Chi Gong (BKLYN) 1:30-2:30 Chi Gong (BX) 2-3 Dance (BKLYN)3-4 Latin Dance (BX)

239-10 Yoga* (Beg) (Hicksville)9-11 Knitting & Crocheting (Beg) (BKLYN)10-11 Yoga* (Adv) (Hicksville) 10-12 Choral Group 10-11 Knitting & Crocheting (Beg)10:15-11:15 Tai Chi (White Plains)11-12 Dance (Hicksville) 11-1 Knitting & Crocheting (Int/Adv) (BKLYN)11:30-12:30 Yoga* (White Plains)12-1 Yoga* (BX) 12:15-1:15 Zumba-T (Hicksville) 12:30-4:30 Knitting & Crocheting (Int/Adv) 1-2 Bingo (White Plains)1-2 Chi Gong (BKLYN) 1:30-2:30 Chi Gong (BX) 2-3 Dance (BKLYN)3-4 Latin Dance (BX)

1010-11 Tai Chi11-12 Yoga* 12-1 Lunch Club1-3 General Membership Meeting1:30-2:30 Zumba (SI)2:30-3:30 Chair Yoga* (SI) 3-5 Arts & Crafts3-5 Sewing

1710-11 Tai Chi11-12 Yoga* 12-1 Lunch Club1-3 Birthday Party1:30-2:30 Zumba (SI)2:30-3:30 Chair Yoga* (SI)3-5 Arts & Crafts3-5 Sewing

1110-11 Chair Yoga* (Adv) (BKLYN)10-12 Quilting11:15-12:15 Zumba Gold (BKLYN)12:15-1:15 Chair Yoga* (Beg) (BKLYN))1-2 Dance1:30-2:30 Zumba Gold (BKLYN)2-3 Yoga*3:30-4:30 Zumba Gold

1810-11 Chair Yoga* (Adv) (BKLYN)10-12 Quilting1-2 Dance1:30-2:30 Zumba Gold (BKLYN)2-3 Yoga*3:30-4:30 Zumba Gold

410-11 Chair Yoga* (Adv) (BKLYN)10-12 Quilting11:15-12:15 Zumba Gold (BKLYN)12:15-1:15 Chair Yoga* (Beg) (BKLYN)1-2 Dance1:30-2:30 Zumba Gold (BKLYN)2-3 Yoga*3:30-4:30 Zumba Gold

MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY

99-10 Yoga* (Beg) (Hicksville)9-11 Knitting & Crocheting (Beg) (BKLYN)10-11 Yoga* (Adv) (Hicksville) 10-12 Choral Group 10-12 Knitting & Crocheting (Beg) 10:15-11:15 Tai Chi (White Plains)11-12 Dance (Hicksville) 11-1 Knitting & Crocheting (Int/Adv) (BKLYN)11:30-12:30 Yoga* (White Plains)12-1 Yoga* (BX) 12:15-1:15 Zumba-T (Hicksville) 12:30-4:30 Knitting & Crocheting (Int/Adv)1-2 Bingo (White Plains)1-2 Chi Gong (BKLYN) 1:30-2:30 Chi Gong (BX) 2-3 Dance (BKLYN)3-4 Latin Dance (BX)

2410-11 Tai Chi11-12 Yoga* 12-1 Lunch Club1:30-2:30 Zumba (SI)2:30-3:30 Chair Yoga* (SI)3-5 Arts & Crafts3-5 Sewing

2510-11 Chair Yoga* (Adv) (BKLYN)10-12 Quilting11:15-12:15 Zumba Gold (BKLYN)12:15-1:15 Chair Yoga* (Beg) (BKLYN))1-2 Dance1:30-2:30 Zumba Gold (BKLYN)2-3 Yoga*3:30-4:30 Zumba Gold

2810-11 Chi Gong (BKLYN)10-11 Yoga*/Meditation (QNS)10:30-11:30 Opera Appreciation11-12 Dance (BKLYN)11:15-12:15 Hatha Yoga* (QNS)12-1 Mindfulness Meditation (BKLYN)12-1 Art History12:30-1:30 Dance (QNS)1-3 Arts & Crafts (BKLYN)

299-10 Yoga*/Meditation (Hicksville)9:30-12 Photography10-11 Mat Yoga* (Int) (QNS)10:30-12 Drama11-1 Knitting & Crocheting (Beg) (QNS)11:15-12:15 Chair Yoga* (Beg) (QNS)12:30-1:30 Shakespeare12:30-3 Art1:15-2:15 Zumba Gold (QNS)1:30-2:30 Falun Dafa (SI)1:30-3 Discussion Group1:30-3 Mat Yoga* (SI)

309-11 Knitting & Crocheting (Beg) (BKLYN)10-12 Choral Group10-12 Knitting & Crocheting (Beg)11-1 Knitting & Crocheting (Int/Adv) (BKLYN)12:30-4:30 Knitting & Crocheting (Int/Adv)

310-11 Tai Chi11-12 Yoga* 12-1 Lunch Club1:30-2:30 Zumba (SI)2:30-3:30 Chair Yoga* (SI) 3-5 Arts & Crafts3-5 Sewing

29-10 Yoga* (Beg) (Hicksville)9-11 Knitting & Crocheting (Beg) (BKLYN)10-11 Yoga* (Adv) (Hicksville) 10-12 Choral Group 10-12 Knitting & Crocheting (Beg) 10:15-11:15 Tai Chi (White Plains)11-12 Dance (Hicksville) 11-1 Knitting & Crocheting (Int/Adv) (BKLYN)11:30-12:30 Yoga* (White Plains)12-1 Yoga* (BX) 12:15-1:15 Zumba-T (Hicksville) 12:30-4:30 Knitting & Crocheting (Int/Adv)1-2 Chi Gong (BKLYN) 1:30-2:30 Chi Gong (BX) 2-3 Dance (BKLYN)2:30-3:30 Bingo (White Plains)3-4 Latin Dance (BX)

1

OFFICE CLOSED

All classes are held at

our Manhattan Headquarters

unless otherwise indicated.

3112-1 Lunch Club3-5 Arts & Crafts3-5 Sewing

QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-7771

LEGAL NOTICES

This is a summary of the annual report for the 1199SEIU National Benefit Fund for Health and Human Service Employees, EIN: 13-1628401, for the period January 1, 2017, to December 31, 2017. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Except with respect to the benefits specified under “Insurance Information” below, the plan is self-insured and has committed to pay covered claims out of plan assets.

Insurance InformationThe plan has a contract with Amalgamated Life Insurance Company and Guardian Life Insurance Company of America to pay certain life insurance and accidental death and dismemberment claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2017, were $9,470,101.

Because it is a so-called “experience-rated” contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2017, the premiums paid under such “experience-rated” contracts were $8,810,095, and the total of all benefit claims paid under the experience-rated contract during the plan year was $8,906,232.

Basic Financial StatementThe value of plan assets, after subtracting liabilities of the plan, was $557,468,790 as of December 31, 2017, compared to $497,967,668 as of January 1, 2017. During the plan year, the plan experienced an increase in its net assets of $59,501,122. This change includes unrealized appreciation and depreciation in the value of the plan assets; that is, the difference 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 $1,665,152,382, including employer contributions of $1,615,771,436, net appreciation in fair value of investments of $29,609,148, COBRA payments of $2,786,065 and other earnings of $16,985,733.

Plan expenses were $1,605,651,260. These expenses included $105,053,097 in administrative expenses,

$1,490,736,375 in benefits paid to participants and beneficiaries, $841,193 in investment and advisor fees, $123,428 in interest expenses and $8,897,167 in general expenses.

Your Rights to Additional InformationYou have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:• Insurance information, including sales commissions paid by insurance carriers;• An accountant’s report;• Financial information and information on payments to service providers;• Assets held for investment;• Information regarding any common or collective trusts, pooled separate accounts, master trusts or 103-12 investment entities in which the plan participates; and• Actuarial information regarding the funding of the plan.

You also have the right to receive from the Fund, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the Fund, these two statements and accompanying notes will be included as part of that report.

To obtain a copy of the full annual report, or any part thereof, write to the Board of Trustees of the 1199SEIU National Benefit Fund for Health and Human Service Employees, PO Box 842, New York, NY 10108-0842, or call Member Services, (646) 473-9200.

You also have the legally protected right to examine the annual report at the main office of the plan:1199SEIU National Benefit Fund for Health and Human Service Employees, 330 West 42nd Street, 28th Floor, New York, NY 10036 and at the U.S. Department of Labor in Washington, DC, or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1515, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, NW, Washington, DC 20210.

SUMMARY ANNUAL REPORT • 1199SEIU National Benefit Fund for Health and Human Service Employees

HIPAA NOTICE If you would like a copy of the Fund’s Notice of HIPAA Privacy Practices, please visit www.1199SEIUBenefits.org, or request one in writing by writing to the 1199SEIU Benefit Fund Privacy Officer at 330 West 42nd Street, 9th Floor, New York, NY 10036

This is a summary of the annual report for the 1199SEIU Greater New York Benefit Fund, EIN: 13-6125570, for the period January 1, 2017, to December 31, 2017. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Except with respect to the benefits specified under “Insurance Information” below, the plan is self-insured and has committed to pay covered claims out of plan assets.

Insurance InformationThe plan has a contract with Amalgamated Life Insurance Company to pay certain life insurance claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2017, were $912,288.

Because it is a so-called “experience-rated” contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2017, the premiums paid under such “experience-rated” contracts were $843,592, and the total of all benefit claims paid under the experience-rated contract during the plan year was $407,957.

Basic Financial StatementThe value of plan assets, after subtracting liabilities of the plan, was $119,441,956 as of December 31, 2017, compared to $116,507,335 as of January 1, 2017. During the plan year, the plan experienced an increase in its net assets of $2,934,621. This change includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference 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 $197,302,080, including employer contributions of $179,428,785, net appreciation in fair value of investments of $12,107,224, COBRA contributions of $282,892, member spousal contributions of $3,539,834 and other earnings of $1,943,345.

Plan expenses were $194,367,459. These expenses included $16,083,854 in administrative and general expenses, $178,024,428 in benefits paid to participants and beneficiaries, and $259,177 in investment and advisor fees.

Your Rights to Additional InformationYou have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:• Insurance information, including sales commissions paid by insurance carriers;• An accountant’s report;• Financial information and information on payments to service providers;• Assets held for investment;• Information regarding any common or collective trusts, pooled separate accounts, master trusts or 103-12 investment entities in which the plan participates; and• Actuarial information regarding the funding of the plan.

You also have the right to receive from the Fund, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the Fund, these two statements and accompanying notes will be included as part of that report.

To obtain a copy of the full annual report, or any part thereof, write to the Board of Trustees of the 1199SEIU Greater New York Benefit Fund, PO Box 842, New York, NY 10108-0842, or call Member Services, (646) 473-9200.

You also have the legally protected right to examine the annual report at the main office of the plan:1199SEIU Greater New York Benefit Fund, 330 West 42nd Street, 28th Floor, New York, NY 10036 and at the U.S. Department of Labor in Washington, DC, or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1515, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, NW, Washington, DC 20210.

SUMMARY ANNUAL REPORT • 1199SEIU Greater New York Benefit Fund

This is a summary of the annual report for the 1199SEIU National Benefit Fund for Home Care Employees, EIN: 13-4129368, for the period January 1, 2017, to December 31, 2017. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Except with respect to the benefits specified under “Insurance Information” below, the plan is self-insured and has committed to pay covered claims out of plan assets.

Insurance InformationThe plan has a contract with Amalgamated Life Insurance Company to pay certain life insurance claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2017, were $757,797.

Because it is a so-called “experience-rated” contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2017, the premiums paid under such “experience-rated” contracts were $657,913, and the total of all benefit claims paid under the experience-rated contract during the plan year was $316,860.

Basic Financial StatementThe value of plan assets, after subtracting liabilities of the plan, was $245,681,646 as of December 31, 2017, compared to $226,005,462 as of January 1, 2017. During the plan year, the plan experienced an increase in its net assets of $19,676,184. This change includes unrealized appreciation and depreciation in the value of the plan assets; that is the difference 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 $220,119,486, including employer contributions of $208,294,610, net appreciation in fair value of investments of $69,850, COBRA payments of $60,674, member premiums of $8,395,525 and other earnings of $3,298,827.

Plan expenses were $200,443,302. These expenses included $11,053,328 in administrative expenses, $187,861,838 in benefits paid to participants and beneficiaries, $1,384,082 in general expenses and $144,054 in investment expenses.

Your Rights to Additional InformationYou have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:• Insurance information, including sales commissions paid by insurance carriers;• An accountant’s report;• Financial information and information on payments to service providers;• Assets held for investment;• Information regarding any common or collective trusts, pooled separate accounts, master trusts or 103-12 investment entities in which the plan participates; and• Actuarial information regarding the funding of the plan.

You also have the right to receive from the Fund, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the Fund, these two statements and accompanying notes will be included as part of that report.

To obtain a copy of the full annual report, or any part thereof, write to the Board of Trustees of the 1199SEIU National Benefit Fund for Home Care Employees, PO Box 842, New York, NY 10108-0842, or call Member Services, (646) 473-9200.

You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU National Benefit Fund for Home Care Employees, 330 West 42nd Street, 28th Floor, New York, NY 10036 and at the U.S. Department of Labor in Washington, DC, or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1515, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, NW, Washington, DC 20210.

SUMMARY ANNUAL REPORT • 1199SEIU National Benefit Fund for Home Care Employees

149129 RMD - JanFinal.indd 4 12/10/18 11:37 AM

January 2019 6

NEW YORK JANUARY CALENDAR Classes are open to all retirees and are free of charge. No registration is required.

QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-77715 January 2019 * Sponsored by HealthCare Partners, IPA

710-11 Chi Gong (BKLYN)10-11 Yoga*/Meditation (QNS)10:30-11:30 Opera Appreciation11-12 Dance (BKLYN)11:15-12:15 Hatha Yoga* (QNS)12-1 Mindfulness Meditation (BKLYN)12:30-1:30 Dance (QNS)1-3 Arts & Crafts (BKLYN)1:30-3:30 Executive Committee Meeting

1410-11 Chi Gong (BKLYN)10-11 Yoga*/Meditation (QNS)10:30-11:30 Opera Appreciation11-12 Dance (BKLYN)11:15-12:15 Hatha Yoga* (QNS)12-1 Mindfulness Meditation (BKLYN)12:30-1:30 Dance (QNS)1-3 Arts & Crafts (BKLYN)

21

OFFICE CLOSED

89-10 Yoga*/Meditation (Hicksville)9:30-12 Photography10-11 Mat Yoga* (Int) (QNS)10:30-12 Drama11-1 Knitting & Crocheting (Beg) (QNS)11:15-12:15 Chair Yoga* (Beg) (QNS)12:30-1:30 Shakespeare12:30-3 Art1:15-2:15 Zumba Gold (QNS)1:30-3 Discussion Group

159:30-12 Photography10-11 Mat Yoga* (Int) (QNS)10:30-12 Drama11-1 Knitting & Crocheting (Beg) (QNS)11:15-12:15 Chair Yoga* (Beg) (QNS)12:30-1:30 Shakespeare12:30-3 Art1-2 Yoga* (New Hyde Park)1:15-2:15 Zumba Gold (QNS)1:30-2:30 Falun Dafa (SI)1:30-3 Discussion Group1:30-3 Mat Yoga* (SI)

229-10 Yoga*/Meditation (Hicksville)9:30-12 Photography10-11 Mat Yoga* (Int) (QNS)10:30-12 Drama11-1 Knitting & Crocheting (Beg) (QNS)11:15-12:15 Chair Yoga* (Beg) (QNS)12:30-1:30 Shakespeare12:30-3 Art1:15-2:15 Zumba Gold (QNS)1:30-2:30 Falun Dafa (SI)1:30-3 Discussion Group1:30-3 Mat Yoga* (SI)

169-10 Yoga* (Beg) (Hicksville)9-11 Knitting & Crocheting (Beg) (BKLYN)10-11 Yoga* (Adv) (Hicksville) 10-12 Knitting & Crocheting (Beg) 10:15-11:15 Tai Chi (White Plains)11-1 Knitting & Crocheting (Int/Adv) (BKLYN)11:30-12:30 Yoga* (White Plains)12-1 Yoga* (BX) 12:30-4:30 Knitting & Crocheting (Int/Adv)1-2 Bingo (White Plains)1-2 Chi Gong (BKLYN) 1:30-2:30 Chi Gong (BX) 2-3 Dance (BKLYN)3-4 Latin Dance (BX)

239-10 Yoga* (Beg) (Hicksville)9-11 Knitting & Crocheting (Beg) (BKLYN)10-11 Yoga* (Adv) (Hicksville) 10-12 Choral Group 10-11 Knitting & Crocheting (Beg)10:15-11:15 Tai Chi (White Plains)11-12 Dance (Hicksville) 11-1 Knitting & Crocheting (Int/Adv) (BKLYN)11:30-12:30 Yoga* (White Plains)12-1 Yoga* (BX) 12:15-1:15 Zumba-T (Hicksville) 12:30-4:30 Knitting & Crocheting (Int/Adv) 1-2 Bingo (White Plains)1-2 Chi Gong (BKLYN) 1:30-2:30 Chi Gong (BX) 2-3 Dance (BKLYN)3-4 Latin Dance (BX)

1010-11 Tai Chi11-12 Yoga* 12-1 Lunch Club1-3 General Membership Meeting1:30-2:30 Zumba (SI)2:30-3:30 Chair Yoga* (SI) 3-5 Arts & Crafts3-5 Sewing

1710-11 Tai Chi11-12 Yoga* 12-1 Lunch Club1-3 Birthday Party1:30-2:30 Zumba (SI)2:30-3:30 Chair Yoga* (SI)3-5 Arts & Crafts3-5 Sewing

1110-11 Chair Yoga* (Adv) (BKLYN)10-12 Quilting11:15-12:15 Zumba Gold (BKLYN)12:15-1:15 Chair Yoga* (Beg) (BKLYN))1-2 Dance1:30-2:30 Zumba Gold (BKLYN)2-3 Yoga*3:30-4:30 Zumba Gold

1810-11 Chair Yoga* (Adv) (BKLYN)10-12 Quilting1-2 Dance1:30-2:30 Zumba Gold (BKLYN)2-3 Yoga*3:30-4:30 Zumba Gold

410-11 Chair Yoga* (Adv) (BKLYN)10-12 Quilting11:15-12:15 Zumba Gold (BKLYN)12:15-1:15 Chair Yoga* (Beg) (BKLYN)1-2 Dance1:30-2:30 Zumba Gold (BKLYN)2-3 Yoga*3:30-4:30 Zumba Gold

MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY

99-10 Yoga* (Beg) (Hicksville)9-11 Knitting & Crocheting (Beg) (BKLYN)10-11 Yoga* (Adv) (Hicksville) 10-12 Choral Group 10-12 Knitting & Crocheting (Beg) 10:15-11:15 Tai Chi (White Plains)11-12 Dance (Hicksville) 11-1 Knitting & Crocheting (Int/Adv) (BKLYN)11:30-12:30 Yoga* (White Plains)12-1 Yoga* (BX) 12:15-1:15 Zumba-T (Hicksville) 12:30-4:30 Knitting & Crocheting (Int/Adv)1-2 Bingo (White Plains)1-2 Chi Gong (BKLYN) 1:30-2:30 Chi Gong (BX) 2-3 Dance (BKLYN)3-4 Latin Dance (BX)

2410-11 Tai Chi11-12 Yoga* 12-1 Lunch Club1:30-2:30 Zumba (SI)2:30-3:30 Chair Yoga* (SI)3-5 Arts & Crafts3-5 Sewing

2510-11 Chair Yoga* (Adv) (BKLYN)10-12 Quilting11:15-12:15 Zumba Gold (BKLYN)12:15-1:15 Chair Yoga* (Beg) (BKLYN))1-2 Dance1:30-2:30 Zumba Gold (BKLYN)2-3 Yoga*3:30-4:30 Zumba Gold

2810-11 Chi Gong (BKLYN)10-11 Yoga*/Meditation (QNS)10:30-11:30 Opera Appreciation11-12 Dance (BKLYN)11:15-12:15 Hatha Yoga* (QNS)12-1 Mindfulness Meditation (BKLYN)12-1 Art History12:30-1:30 Dance (QNS)1-3 Arts & Crafts (BKLYN)

299-10 Yoga*/Meditation (Hicksville)9:30-12 Photography10-11 Mat Yoga* (Int) (QNS)10:30-12 Drama11-1 Knitting & Crocheting (Beg) (QNS)11:15-12:15 Chair Yoga* (Beg) (QNS)12:30-1:30 Shakespeare12:30-3 Art1:15-2:15 Zumba Gold (QNS)1:30-2:30 Falun Dafa (SI)1:30-3 Discussion Group1:30-3 Mat Yoga* (SI)

309-11 Knitting & Crocheting (Beg) (BKLYN)10-12 Choral Group10-12 Knitting & Crocheting (Beg)11-1 Knitting & Crocheting (Int/Adv) (BKLYN)12:30-4:30 Knitting & Crocheting (Int/Adv)

310-11 Tai Chi11-12 Yoga* 12-1 Lunch Club1:30-2:30 Zumba (SI)2:30-3:30 Chair Yoga* (SI) 3-5 Arts & Crafts3-5 Sewing

29-10 Yoga* (Beg) (Hicksville)9-11 Knitting & Crocheting (Beg) (BKLYN)10-11 Yoga* (Adv) (Hicksville) 10-12 Choral Group 10-12 Knitting & Crocheting (Beg) 10:15-11:15 Tai Chi (White Plains)11-12 Dance (Hicksville) 11-1 Knitting & Crocheting (Int/Adv) (BKLYN)11:30-12:30 Yoga* (White Plains)12-1 Yoga* (BX) 12:15-1:15 Zumba-T (Hicksville) 12:30-4:30 Knitting & Crocheting (Int/Adv)1-2 Chi Gong (BKLYN) 1:30-2:30 Chi Gong (BX) 2-3 Dance (BKLYN)2:30-3:30 Bingo (White Plains)3-4 Latin Dance (BX)

1

OFFICE CLOSED

All classes are held at

our Manhattan Headquarters

unless otherwise indicated.

3112-1 Lunch Club3-5 Arts & Crafts3-5 Sewing

QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-7771

LEGAL NOTICES

This is a summary of the annual report for the 1199SEIU National Benefit Fund for Health and Human Service Employees, EIN: 13-1628401, for the period January 1, 2017, to December 31, 2017. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Except with respect to the benefits specified under “Insurance Information” below, the plan is self-insured and has committed to pay covered claims out of plan assets.

Insurance InformationThe plan has a contract with Amalgamated Life Insurance Company and Guardian Life Insurance Company of America to pay certain life insurance and accidental death and dismemberment claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2017, were $9,470,101.

Because it is a so-called “experience-rated” contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2017, the premiums paid under such “experience-rated” contracts were $8,810,095, and the total of all benefit claims paid under the experience-rated contract during the plan year was $8,906,232.

Basic Financial StatementThe value of plan assets, after subtracting liabilities of the plan, was $557,468,790 as of December 31, 2017, compared to $497,967,668 as of January 1, 2017. During the plan year, the plan experienced an increase in its net assets of $59,501,122. This change includes unrealized appreciation and depreciation in the value of the plan assets; that is, the difference 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 $1,665,152,382, including employer contributions of $1,615,771,436, net appreciation in fair value of investments of $29,609,148, COBRA payments of $2,786,065 and other earnings of $16,985,733.

Plan expenses were $1,605,651,260. These expenses included $105,053,097 in administrative expenses,

$1,490,736,375 in benefits paid to participants and beneficiaries, $841,193 in investment and advisor fees, $123,428 in interest expenses and $8,897,167 in general expenses.

Your Rights to Additional InformationYou have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:• Insurance information, including sales commissions paid by insurance carriers;• An accountant’s report;• Financial information and information on payments to service providers;• Assets held for investment;• Information regarding any common or collective trusts, pooled separate accounts, master trusts or 103-12 investment entities in which the plan participates; and• Actuarial information regarding the funding of the plan.

You also have the right to receive from the Fund, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the Fund, these two statements and accompanying notes will be included as part of that report.

To obtain a copy of the full annual report, or any part thereof, write to the Board of Trustees of the 1199SEIU National Benefit Fund for Health and Human Service Employees, PO Box 842, New York, NY 10108-0842, or call Member Services, (646) 473-9200.

You also have the legally protected right to examine the annual report at the main office of the plan:1199SEIU National Benefit Fund for Health and Human Service Employees, 330 West 42nd Street, 28th Floor, New York, NY 10036 and at the U.S. Department of Labor in Washington, DC, or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1515, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, NW, Washington, DC 20210.

SUMMARY ANNUAL REPORT • 1199SEIU National Benefit Fund for Health and Human Service Employees

HIPAA NOTICE If you would like a copy of the Fund’s Notice of HIPAA Privacy Practices, please visit www.1199SEIUBenefits.org, or request one in writing by writing to the 1199SEIU Benefit Fund Privacy Officer at 330 West 42nd Street, 9th Floor, New York, NY 10036

This is a summary of the annual report for the 1199SEIU Greater New York Benefit Fund, EIN: 13-6125570, for the period January 1, 2017, to December 31, 2017. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Except with respect to the benefits specified under “Insurance Information” below, the plan is self-insured and has committed to pay covered claims out of plan assets.

Insurance InformationThe plan has a contract with Amalgamated Life Insurance Company to pay certain life insurance claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2017, were $912,288.

Because it is a so-called “experience-rated” contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2017, the premiums paid under such “experience-rated” contracts were $843,592, and the total of all benefit claims paid under the experience-rated contract during the plan year was $407,957.

Basic Financial StatementThe value of plan assets, after subtracting liabilities of the plan, was $119,441,956 as of December 31, 2017, compared to $116,507,335 as of January 1, 2017. During the plan year, the plan experienced an increase in its net assets of $2,934,621. This change includes unrealized appreciation and depreciation in the value of plan assets; that is, the difference 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 $197,302,080, including employer contributions of $179,428,785, net appreciation in fair value of investments of $12,107,224, COBRA contributions of $282,892, member spousal contributions of $3,539,834 and other earnings of $1,943,345.

Plan expenses were $194,367,459. These expenses included $16,083,854 in administrative and general expenses, $178,024,428 in benefits paid to participants and beneficiaries, and $259,177 in investment and advisor fees.

Your Rights to Additional InformationYou have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:• Insurance information, including sales commissions paid by insurance carriers;• An accountant’s report;• Financial information and information on payments to service providers;• Assets held for investment;• Information regarding any common or collective trusts, pooled separate accounts, master trusts or 103-12 investment entities in which the plan participates; and• Actuarial information regarding the funding of the plan.

You also have the right to receive from the Fund, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the Fund, these two statements and accompanying notes will be included as part of that report.

To obtain a copy of the full annual report, or any part thereof, write to the Board of Trustees of the 1199SEIU Greater New York Benefit Fund, PO Box 842, New York, NY 10108-0842, or call Member Services, (646) 473-9200.

You also have the legally protected right to examine the annual report at the main office of the plan:1199SEIU Greater New York Benefit Fund, 330 West 42nd Street, 28th Floor, New York, NY 10036 and at the U.S. Department of Labor in Washington, DC, or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1515, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, NW, Washington, DC 20210.

SUMMARY ANNUAL REPORT • 1199SEIU Greater New York Benefit Fund

This is a summary of the annual report for the 1199SEIU National Benefit Fund for Home Care Employees, EIN: 13-4129368, for the period January 1, 2017, to December 31, 2017. This is a welfare benefit plan offering life insurance, health, dental, vision and prescription drug benefits. The annual report has been filed with the Employee Benefits Security Administration, as required under the Employee Retirement Income Security Act of 1974 (ERISA).

Except with respect to the benefits specified under “Insurance Information” below, the plan is self-insured and has committed to pay covered claims out of plan assets.

Insurance InformationThe plan has a contract with Amalgamated Life Insurance Company to pay certain life insurance claims incurred under the terms of the plan. The total premiums paid for the plan year ending December 31, 2017, were $757,797.

Because it is a so-called “experience-rated” contract, the premium costs are affected by, among other things, the number and size of claims. Of the total insurance premiums paid for the plan year ending December 31, 2017, the premiums paid under such “experience-rated” contracts were $657,913, and the total of all benefit claims paid under the experience-rated contract during the plan year was $316,860.

Basic Financial StatementThe value of plan assets, after subtracting liabilities of the plan, was $245,681,646 as of December 31, 2017, compared to $226,005,462 as of January 1, 2017. During the plan year, the plan experienced an increase in its net assets of $19,676,184. This change includes unrealized appreciation and depreciation in the value of the plan assets; that is the difference 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 $220,119,486, including employer contributions of $208,294,610, net appreciation in fair value of investments of $69,850, COBRA payments of $60,674, member premiums of $8,395,525 and other earnings of $3,298,827.

Plan expenses were $200,443,302. These expenses included $11,053,328 in administrative expenses, $187,861,838 in benefits paid to participants and beneficiaries, $1,384,082 in general expenses and $144,054 in investment expenses.

Your Rights to Additional InformationYou have the right to receive a copy of the full annual report, or any part thereof, on request. The items listed below are included in that report:• Insurance information, including sales commissions paid by insurance carriers;• An accountant’s report;• Financial information and information on payments to service providers;• Assets held for investment;• Information regarding any common or collective trusts, pooled separate accounts, master trusts or 103-12 investment entities in which the plan participates; and• Actuarial information regarding the funding of the plan.

You also have the right to receive from the Fund, on request and at no charge, a statement of the assets and liabilities of the plan and accompanying notes, or a statement of income and expenses of the plan and accompanying notes, or both. If you request a copy of the full annual report from the Fund, these two statements and accompanying notes will be included as part of that report.

To obtain a copy of the full annual report, or any part thereof, write to the Board of Trustees of the 1199SEIU National Benefit Fund for Home Care Employees, PO Box 842, New York, NY 10108-0842, or call Member Services, (646) 473-9200.

You also have the legally protected right to examine the annual report at the main office of the plan: 1199SEIU National Benefit Fund for Home Care Employees, 330 West 42nd Street, 28th Floor, New York, NY 10036 and at the U.S. Department of Labor in Washington, DC, or to obtain a copy from the U.S. Department of Labor upon payment of copying costs. Requests to the Department should be addressed to: Public Disclosure Room, Room N-1515, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue, NW, Washington, DC 20210.

SUMMARY ANNUAL REPORT • 1199SEIU National Benefit Fund for Home Care Employees

149129 RMD - JanFinal.indd 4 12/10/18 11:37 AM

QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-77717 January 2019

LEGAL NOTICES

QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-7771 January 2019 4

To learn about trip and vacation offers, call (800) 431-1130, ext. 5537. Please note that the

travel company—not the Funds or the Union—is solely responsible for the trips provided.

Yoga ClassesClasses are held four times each month, except where noted.*Please check the calendar for exact dates.

Bronx Wednesdays, noon to 1:00 pm1199SEIU Healthcare & Education Center2501 Grand Concourse, Room 301 • Bronx, NY 10468

Brooklyn Advanced Chair Yoga class: Fridays, 10:00 am to 11:00 amBeginners’ Chair Yoga class: Fridays, 12:15 pm to 1:15 pm25 Elm Place (between Fulton & Livingston Streets), Rooms 4 & 5 Brooklyn, NY 11201

Hicksville Yoga/Meditation class: Tuesdays, 9:00 am to 10:00 am* *(three classes per month—please check the calendar)Beginners’ Yoga Class: Wednesdays, 9:00 am to 10:00 amAdvanced Yoga Class: Wednesdays, 10:00 am to 11:00 am 100 Duffy Avenue, 3rd Floor • Hicksville, NY 11801

Manhattan Headquarters Thursdays, 11:00 am to noon Fridays, 2:00 pm to 3:00 pm330 West 42nd Street, 9th Floor • New York, NY 10036

New Hyde Park* Tuesday, January 15, 1:00 pm to 2:00 pm * (one class per month)Northwell Health Cohen Children’s Medical Center Teaching Center—Cafeteria—Lower Level269-01 76th Avenue • New Hyde Park, NY 11040

Queens Yoga/Meditation class: Mondays, 10:00 am to 11:00 am Hatha Yoga class: Mondays, 11:15 am to 12:15 pm Hatha Yoga is the root of the physical yoga practice. Groups and individuals use this ancient, classic yoga style to get fit and encourage a healthy mind-body connection.Intermediate Mat Yoga class: Tuesdays, 10:00 am to 11:00 amBeginners’ Chair Yoga class: Tuesdays, 11:15 am to 12:15 pmDevore Dance Center • 205-05 Hollis Avenue, Main Floor • Jamaica, NY 11412

Suffolk County*NO CLASSES UNTIL APRILBeginners’ Yoga/Meditation class*(three classes per month, from 11:00 am to 1:00 pm—please check the calendar)Yoga class: Thursdays, 11:00 am to noon;Meditation class: Thursdays, noon to 1:00 pmFirst Baptist Church of Riverhead • 1018 Northville Turnpike Riverhead, NY 11901

White Plains Wednesdays, 11:30 am to 12:30 pm1199SEIU Benefit and Pension FundsWhite Plains Office • 99 Church Street • White Plains, NY 10601

Tai Chi Now in White Plains!Learn this low-impact Chinese martial art designed to help you lower stress and increase wellness through a series of gentle physical exercises. The class meets at our White Plains chapter four Wednesdays per month, from 10:15 am to 11:15 am.

Unwind with Mindfulness Meditation in BrooklynBoost your mental and physical well-being with our Mindfulness-Based Stress Reduction class in Brooklyn. You’ll learn a combination of meditation and yoga to help ease stress and increase your energy. The class meets on Mondays from noon to 1:00 pm. Please check the calendar for exact dates.

Arts & Crafts Classes in Brooklyn! Explore your creative side with an Arts & Crafts class in our Brooklyn chapter. Except on holidays, the class meets four Mondays each month, from 1:00 pm to 3:00 pm.

Dance ClassesIf you’re interested in learning the latest dance steps, come join our dance classes. Classes are held four times a month, except where noted. Please check the calendar for exact dates.

Manhattan Headquarters Fridays, 1:00 pm to 2:00 pm330 West 42nd Street • New York, NY 10036

Brooklyn Mondays, 11:00 am to noonWednesdays, 2:00 pm to 3:00 pm25 Elm Place (between Fulton & Livingston Streets)Brooklyn, NY 11201

Hicksville Wednesdays, 11:00 am to noon100 Duffy Avenue, 3rd Floor • Hicksville, NY 10036

Queens Mondays, 12:30 pm to 1:30 pm Devore Dance Center • 205-05 Hollis Avenue, Main FloorJamaica, NY 11412

Shakespeare ClassTuesdays, 12:30 pm to 1:30 pm1199SEIU RMD, 330 West 42nd Street, 9th Floor

The class is now reading A Midsummer’s Night Dream, a comedic classic of love and loss, framed by the mischievous antics of imps, spirits, gods and goddesses.

Effective June 21, 2018, the 1199SEIU National Benefit Fund for Health and Human Service Employees (“Benefit Fund”) SPD is hereby clarified by adding the following underlined and bold language, and omitting the strikethrough language:

SECTION II.F SURGERY AND ANESTHESIA…

WHAT IS NOT COVERED

The Benefit Fund will not pay Surgical or Anesthesia Benefits if your surgery was:…

• Performed primarily for cosmetic purposes, except when needed to correct gross disfigurement resulting from surgery, an illness or an accident/injury that occurred while you were covered by the Benefit Fund. …

SECTION VII.D WHAT IS NOT COVERED

In addition to the various exclusions and limitations set forth elsewhere in this SPD, to the extent permitted by law, the Benefit Fund does not cover the following charges:

…

• To the extent permitted by law, cCharges related to your illnesses, accidents or injuries that were the result of you committing a criminal act (except as a victim of domestic abuse) or deliberately self-inflicted (except where attributable to a mental condition) that was deliberately self-inflicted except where such illness or accident/injury is attributable to a mental condition or that resulted from the person committing an illegal act …

Effective January 1, 2019, the SPD is further amended by adding the following underlined and bold language, and omitting the strikethrough language:

SECTION VI. ARETIREE HEALTH BENEFITS

The Benefit Fund offers several Health Benefit packages for 1199SEIU retirees, each with specific rules for eligibility, which are explained in greater detail on the following pages.

The benefits for which you are eligible depend on your age and Years of Pension Fund Credited Service. These benefits will be different from the benefits you were eligible for as a working member.

To determine what package of Retiree Health Benefits you are eligible for, refer to the appropriate section: • If you retire at or after age 65 with at least 10 Years of Pension Fund Credited Service (Sections VI.C and VI.D) • If you retire between ages 62 through 64, on or after July 1, 1998, with at least 20 Years of Pension Fund Credited Service (or at least 25 Years of Pension Fund Credited Service if you retired on or after June 15, 1995, but before July 1, 1998) If you retire before age 65 with an unreduced Pension Benefit from the

1199SEIU Health Care Employees Pension Fund (Sections VI.E and VI.F)…

SECTION VI. EIF YOU RETIRE BETWEEN AGES 62.5 THROUGH 64 (WITH AT LEAST 20 25 YEARS OF PENSION FUND CREDITED SERVICE)

You and your spouse are eligible for the benefits described in this section when you retire before age 65 with an unreduced Pension Benefit from the 1199SEIU Health Care Employees Pension Fund. at or after age 62 and before age 65 with Wage Class I Benefits and at least 20 Years of Pension Fund Credited Service if you retire on or after July 1, 1998 (or at least 25 Years of Pension Fund Credited Service if you retired on or after June 15, 1995, but before July 1, 1998). …

ELIGIBILITY…

In addition [to the other Eligibility criteria], you must meet all of the following conditions:

• Retire between the ages of 62 through 64 before age 65 with an unreduced Pension Benefit from the 1199SEIU Health Care Employees Pension Fund…____________________________________________________________________________________

This summary only highlights the key changes made to the 1199SEIU National Benefit Fund for Health and Human Service Employees. Summaries of material modifications together with the Summary Plan Description make up your official plan descriptions; please keep them together and refer to them as necessary. We have made every attempt to ensure the accuracy of the information in this summary and the Summary Plan Description. However, if there is any discrepancy between them and the Plan Document, insurance contracts or other legal documents, the legal documents will always govern. If you would like to review the Plan Document or have any questions, please contact the Fund’s Member Services Representatives at (646) 473-9200.

The National Benefit Fund believes it is a “grandfathered health plan” under the Patient Protection and Affordable Care Act (the “Affordable Care Act”). A grandfathered health plan can preserve certain basic health coverage that was already in effect when that law was enacted in 2010. Being a grandfathered health plan means that this plan may not include certain consumer protections of the Affordable Care Act that apply to other plans, for example, the requirement for an external review process for claims appeals. However, grandfathered health plans must comply with certain other consumer protections in the Affordable Care Act, for example, the elimination of lifetime limits on benefits. The Wage Class III plan is not a grandfathered health plan. Questions regarding which protections apply and which protections do not apply to a grandfathered health plan can be directed to the Plan Administrator at (646) 473-9200. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at (866) 444-3272 or www.dol.gov/ebsa/healthreform. This website has a table summarizing which protections do and do not apply to grandfathered health plans.

The plan sponsor of the 1199SEIU National Benefit Fund for Health and Human Service Employees reserves the right to amend or terminate the 1199SEIU National Benefit Fund for Health and Human Service Employees, or any part of it, at any time.

1199SEIU NATIONAL BENEFIT FUND FOR HEALTH AND HUMAN SERVICE EMPLOYEESSUMMARY OF MATERIAL MODIFICATIONS

This Summary of Material Modifications describes changes that affect your welfare benefit plan and updates the Summary Plan Description (“SPD”) that was previously distributed to you. You should keep this summary with your current SPD until the booklet is updated to reflect the changes discussed herein.

Discrimination Is Against the Law

The 1199SEIU Benefit Funds comply with applicable federal civil rights laws and do not discriminate against or exclude people on the basis of race, color, national origin, age, disability or sex. The Funds provide free aids and services to people with disabilities to communicate effectively with us, such as qualified sign language interpreters and written information in other formats (large print, audio, accessible electronic formats). The Funds provide free language services to people whose primary language is not English, such as qualified interpreters and information written in other languages. If you need these services, contact the Compliance Coordinator. If you believe the Funds have failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability or sex, you can file a grievance with: Compliance Coordinator, 330 West 42nd Street, New York, NY 10036; (646) 473-6600 (phone); (646) 473-8959 (fax); PrivacyOfficer@1199Funds.org (email). You can file a grievance in person or by mail, fax or email. If you need help filing a grievance, the Compliance Coordinator can help you.

You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services • 200 Independence Avenue, SW • Room 509F, HHH Building • Washington, DC 20201 • (800) 368-1019; (800) 537-7697 (TDD).

Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.

Language Assistance Services

ATENCIÓN: Si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. Llame al (646) 473-9200.

注意：如果您使用繁體中文，您可以免費獲得語言援助服務。請致電 (646) 473-9200。

ВНИМАНИЕ: Если вы говорите на русском языке, то вам доступны бесплатные услуги перевода. Звоните (646) 473-9200.

ATANSYON: Si w pale Kreyòl Ayisyen, gen sèvis èd pou lang ki disponib gratis pou ou. Rele (646) 473-9200.

주의: 한국어를 사용하시는 경우, 언어 지원 서비스를 무료로 이용하실 수 있습니다(646) 473-9200.

ATTENZIONE: In caso la lingua parlata sia l’italiano, sono disponibili servizi di assistenza linguistica gratuiti. Chiamare il numero (646) 473-9200.

פאר אייך שפראך הילף סערוויסעס פריי פון אפצאל .רופט אויפמערקזאם: אויב איר רעדט אידיש, זענען פארהאן(646) 473-9200.

UWAGA: Jeżeli mówisz po polsku, możesz skorzystać z bezpłatnej pomocy językowej. Zadzwoń pod numer (646) 473-9200.

ATTENTION: Si vous parlez français, des services d’aide linguistique vous sont proposés gratuitement. Appelez (646) 473-9200.

PAUNAWA: Kung nagsasalita ka ng Tagalog, maaari kang gumamit ng mga serbisyo ng tulong sa wika nang walang bayad. Tumawag sa (646) 473-9200.

ΠΡΟΣΟΧΗ: Αν μιλάτε ελληνικά, στη διάθεσή σας βρίσκονται υπηρεσίες γλωσσικής υποστήριξης, οι οποίες παρέχονται δωρεάν. Καλέστε (646) 473-9200.

KUJDES: Nëse flitni shqip, për ju ka në dispozicion shërbime të asistencës gjuhësore, pa pagesë. Telefononi në (646) 473-9200.

: ,

149129 RMD - JanFinal.indd 3 12/10/18 11:37 AM

January 2019 8 QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-7771QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-77713 January 2019

LEGAL NOTICES

Save the Date! 1199SEIU Florida Retiree Banquet

The annual Florida Retiree Banquet will be held on Tuesday, April 16, 2019, at the Orlando World Center Marriott, 8701 World Center Drive, Orlando, FL 32821

Tickets will only be sold at Florida chapter meetings during the months of January, February and March, and must be purchased with a money order. Please leave the “PAY TO” area

of your money order blank until after your membership has been verified. The cost per ticket is $10 per member and $20 per guest.

Important: All ticket purchases are subject to verification of membership. No cash or checks will be accepted. No ticket purchases or reservations by mail or at the door.

Each retiree may bring ONE guest.

Tuesday, April 16, 2019

Sign Up for “Seniors Out Speaking”

Manhattan Headquarters: Thursday, January 3 • 9:30 am to noon330 West 42nd Street, 33rd Floor (Penthouse)New York, NY 10036

Staten Island: Tuesday, January 8 • 3:00 pm to 4:30 pm790 Port Richmond Avenue (off Forest Avenue)Staten Island, NY 10302

Hicksville: Tuesday, January 15 • 9:30 am to noon100 Duffy Avenue, 3rd FloorHicksville, NY 11801

Become a volunteer in the Medicare Rights Center’s “Seniors Out Speaking” (SOS) program and help educate other seniors about their Medicare benefits. For more information about our 1199SEIU SOS volunteer program, call (646) 473-6916.

The 1199SEIU Health Care Employees Pension Fund (“Fund”) Plan and/or SPD is hereby clarified by adding the following underlined and bold language, and omitting the strikethrough language:

SECTION 3 (Plan)CREDITED SERVICE…

3.2 The term “Credited Service” as used in calculating benefit amounts in Section 5 and Section 6 shall be specifically identified as:

(a) Credited Future Service except as provided in (c), (d), and (d) (e), means, for each Participant, his total service on and after his Applicable Effective Date, credited at the rate of one (1) month for each month for which Contributions are required to be made to the Fund by reason of the Participant’s employment. In addition, each Participant employed after his Applicable Effective Date shall be credited with one (1) month of Credited Future Service, to a maximum of six (6) months, for each month of employment with a Contributing Employer in a bargaining unit position prior to the date Contributions are required to be made to the Fund by reason of the Participant’s employment. During such periods for which no Contributions are required from a Contributing Employer in accordance with a resolution adopted or action taken by the Trustees, the accrual of Credited Future Service shall be determined in accordance with the adopted resolution or action of the Trustees. …

(e) Credited Service shall not include the total service for each Pensioner on and after his Retirement date during any such period s/he collects a pension before the April 1 of the year following the calendar year s/he attains age 70 ½.

(ef) Moreover, a Participant who was a participant in the 1199SEIU Health Care Employees Pension Fund for the 144 Hospital Division (“144 Fund”) and became a Participant in this Plan as a result of the merger of the “144 Fund” into the Trust Fund shall not be entitled to Credited Past Service under the terms of this Plan.

(fg) Moreover, a Participant who was a participant in the Pension Fund of Local 721 S.E.I.U. (the “721 Fund”) and became a Participant in this Plan as a result of the merger of the 721 Fund into the Trust Fund, shall not be entitled to Credited Past Service under the terms of this Plan.…

SECTION 11 (Plan)PAYMENT OF PENSIONS…

11.7 A pension benefit can be made to a Pensioner who becomes actively employed, provided however that, except as required by law, no pension benefit payment shall be made or continue to be made to a Pensioner who is actively employed in full- or part-time employment for more than 40 hours per month: (a) in the healthcare or human service industry or a related industry (including, but not limited to, hospitals, nursing and convalescent homes, drugstores, laboratories, medical schools, and universities), and(b) utilizing skills applicable to his previous employment in the healthcare or human service or related industry, and (c) in an Area covered by the Plan and within the meaning of “Section 202(a)(3)(B) Service” pursuant to Department of Labor Regulations 29 C.F.R.§2530.203-3(c)(2).

A Pensioner who becomes actively employed and whose benefits are not suspended as described above shall not accrue Credited Service for any Covered Employment during which s/he is receiving a Plan pension benefit before the April 1 of the year following the calendar year s/he attains age 70 ½. … SECTION II.B (SPD)CREDITED SERVICE …

CREDITED FUTURE SERVICE

You generally earn Credited Future Service when you are working in Covered Employment. This is when contributions are required to be made on your behalf. Once you become a Plan Participant, you earn Credited Future Service for each of the following: • Each month that you have a period of Covered Employment with a Contributing Employer and for which you did not receive a Plan pension payment (except as described in Sections IV.E and IV.F); …

SECTION III.E (SPD)EMPLOYMENT AFTER RETIREMENT

After you Retire and begin to collect a Plan pension, you may return to employment under certain circumstances and continue to receive your monthly pension. However, if you return to employment after you Retire: • Your service during any month for which you collect a Plan pension payment shall not be Credited Service; and • Your Plan pension payments will be suspended for any month in which you work in Disqualifying Employment. …

NOTE: There is one exception: You may collect your pension and accrue Credited Service, without regard to Disqualifying Employment, for months you work in Covered Employment after April 1 of the year following the calendar year you turn 70 ½. Please see the rules in Sections IV.E and IV.F for more details. if you worked in Disqualifying Employment after age 70 ½. …

SECTION XII (SPD)KEY TERMS AND DEFINTIONS…

Credited Service

Months or years of service in Covered Employment with a Contributing Employer, excluding months before April 1 of the year following the calendar year the Pensioner attains age 70 ½ for which Plan pension payments are made. This is the service that is used in the formula to calculate your pension. It can also be used to determine vesting and eligibility for benefits. There are two types of Credited Service: Credited Future Service and

Credited Past Service.…

Effective January 1, 2019, the Plan is further amended by adding the following underlined and bold language, and omitting the strikethrough language:

SECTION 5 (Plan)AMOUNT OF PENSION…

5.3Early Retirement Pension:(a) (I) For Retirees commencing benefit payments prior to January 1, 2019, the Early Retirement Pension shall be an amount computed in accordance with the formula in Section 5.2 reduced by one-half percent (1/2%) for each month by which the actual retirement date precedes the Normal Retirement Date, and (II) for Retirees commencing benefit payments on or after January 1, 2019, the Early Retirement Pension shall be an amount computed in accordance with the formula in Section 5.2 reduced (A) for Participants born before July 1, 1959 (and in Covered Employment on or before December 31, 2018), by one-half percent (1/2%) for each month by which the actual retirement date precedes the Normal Retirement Date, and (B) for Participants born on or after July 1, 1959, actuarially reduced (based on the interest and mortality tables identified in Section 12.4(b)[iii]) to take into account the period between the benefit commencement date and his Normal Retirement Date, provided, however that:

(i) a Participant whose last hour of Credited Service and/or Vesting Service was on or after June 15, 1995 but before July 1, 1998 after (I) attainment of at least age sixty-two (62) and (II) completion of twenty-five (25) years of Credited Service and/or twenty-five years of Vesting Service, shall be entitled to an immediate unreduced Early Retirement Pension computed in accordance with the formula in Section 5.2.

(ii) For Retirees commencing benefit payments prior to January 1, 2019, a Participant whose last hour of Credited Service and/or Vesting Service was on or after July 1, 1998 after (I) attainment of at least age sixty-two (62) and (II) completion of twenty (20) years of Credited Service and/or twenty (20) years of Vesting Service, shall be entitled to an immediate unreduced Early Retirement Pension computed in accordance with the formula in Section 5.2.

(iii) For Retirees commencing benefit payments on or after January 1, 2019, (A) a Participant, born before July 1, 1959 (and in Covered Employment on or before December 31, 2018), whose last hour of Credited Service and/or Vesting Service was on or after July 1, 1998 after (I) attainment of at least age sixty-two (62) and (II) completion of twenty (20) years of Credited Service and/or twenty (20) years of Vesting Service, shall be entitled to an immediate unreduced Early Retirement Pension computed in accordance with the formula in Section 5.2 and (B) a Participant born on or after July 1, 1959, whose last hour of Credited Service and/or Vesting Service was after (I) attainment of at least age sixty-two and a half (62.5) and (II) completion of twenty-five (25) years of Credited Service and/or twenty-five (25) years of Vesting Service, shall be entitled to an immediate unreduced Early Retirement Pension computed in accordance with the formula in Section 5.2.

(b) In lieu of an immediate monthly pension, a Participant may elect a deferred Early Retirement Pension to commence on the first of any month after his Early Retirement Date and on or before his Normal Retirement Date in which case such Early Retirement Pension shall be the amount computed in accordance with the formula in Section 5.2 reduced as described in 5.3(a). by one-half percent (1/2%) for each month in which payments commence prior to Normal Retirement Date.

(c) Notwithstanding the foregoing, the Early Retirement Pension of a Participant on whose behalf contributions are made at a rate which is less than minimum rate established by the Trustees for the benefits described in Sections 5.2 (a) and (b) above, shall be the amount described in Appendix C hereto.

(d) Notwithstanding the foregoing paragraphs 5.3(a) and (b), for a Participant born on or after July 1, 1959, and commencing Retirement benefits on or after January 1, 2019, his early retirement benefit is the greater of (i) the benefit earned as of December 31, 2018, using the reduction factors described in 5.3(a)(I), or unreduced after attainment of age sixty-two (62) with twenty (20) years of Credited and/or Vesting Service (provided the last hour of Credited Service and/or Vesting Service was after attainment of at least age sixty-two (62)) and (ii) the benefit described in paragraph 5.3(a) (II)(B).…

Effective October 1, 2018, the Plan is amended by adding the following bold and underlined language, and omitting the strikethrough language:

SECTION 3 (Plan)CREDITED SERVICE…

3.2The term “Credited Service” as used in calculating benefit amounts in Section 5 and Section 6 shall be specifically identified as: (a) Credited Future Service except as provided in (c), and (d), and (gh) means, for each Participant, his total service on and after his Applicable Effective Date, credited at the rate of one (1) month for each month for which Contributions are required to be made to the Fund by reason of the Participant’s employment. …

(gh)Notwithstanding the foregoing, a Participant whose first hour of Participation is on or after October 1, 2018, shall not accrue Credited Future Service until the first anniversary of employment in the bargaining unit for which Contributions are required to be made to the Fund.…________________________________________________________________________

This summary only highlights the key changes made to the 1199SEIU Health Care Employees Pension Fund. Summaries of material modifications together with the Summary Plan Description make up your official plan descriptions; please keep them together and refer to them as necessary. We have made every attempt to ensure the accuracy of the information in this summary and the Summary Plan Description. However, if there is any discrepancy between them and the Plan Document, insurance contracts or other legal documents, the legal documents will always govern. If you would like to review the Plan Document or have any questions, please contact the Fund’s Member Services Representatives at (646) 473-9200.

The plan sponsor of the 1199SEIU Health Care Employees Pension Fund reserves the right to amend or terminate the 1199SEIU Health Care Employees Pension Fund, or any part of it, at any time.

1199SEIU HEALTH CARE EMPLOYEES PENSION FUNDSUMMARY OF MATERIAL MODIFICATIONS

This Summary of Material Modifications describes changes that affect your pension plan and updates the Summary Plan Description (“SPD”) that was previously distributed to you. You should keep this summary with your current SPD until the booklet is updated to reflect the changes discussed herein.

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1199SEIU Benefit and Pension Funds330 West 42nd StreetNew York, NY 10036-6977

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Important Benefit Notices Inside this Issue

Questions: Call (646) 473-8666 Outside NYC: (800) 575-7771www.1199SEIUBenefits.org

1199SEIU Retired Members

Bulletin

Explore Age-Friendly Websites Age-Friendly NYC, a joint initiative of the NYC Mayor’s Office, the NYC Council and the New York Academy of Medicine, is dedicated to making New York a great place for seniors. Here are just a few of the initiatives you can read about through their network of websites at www.AgeFriendlyNYC.org:

• To learn about programs for the liberal and creative arts, computers and technology, business, job skills, personal growth and more, go to www.AgeFriendlyCollege.org.

• To learn about cultural events happening in your borough, download NYC-ARTS’ cultural guide books for seniors. The books provide information on ticket and member discounts, accessibility and locations and hours for local museums, dance and theater venues, libraries, zoos and more. Go to www.NYC-ARTS.org/seniors.

• Get information on upcoming cultural events, senior services and programs, community partners and senior centers near your home at the Department for the Aging website, www.NYC.gov/aging.

• Join the Theatre Development Fund (TDF), a nonprofit organization that works to make theater affordable and accessible to all. For full details, visit www.TDF.org.

ABOUT CHAPTER MEETINGS AND CLASSES!January 2019

Important News

QUESTIONS: CALL (646) 473-8666 • OUTSIDE NYC (800) 575-7771

JANUARY CHAPTER MEETINGS

Florida ChaptersBroward – Leon Davis ChapterTuesday, January 8 – 1:00 pm to 3:00 pmTamarac Community Center – Coconut Palm Room8601 West Commercial Blvd. • Tamarac, FL 33351

Casselberry – Doris Turner Chapter NEW TIMEThursday, January 17 – 12:45 am to 2:45 pmCasselberry Public Library215 North Oxford Road • Casselberry, FL 32707

Fort Myers Chapter Monday, January 28 – 11:00 am to 1:00 pmThe Riverside Community Center3061 East Riverside Drive • Fort Myers, FL 33916

Miami-Dade – Ossie Davis Chapter Thursday, January 3 – 10:30 am to 12:30 pmNorland United Methodist Church885 NW 195th StreetMiami Gardens, FL 33169

North Port ChapterTuesday, January 29 – 11:00 am to 1:00 pmMorgan Family Community Center6207 West Price Blvd. • North Port, FL 34291

Orlando ChapterWednesday, January 16 – 11:00 am to 1:00 pmUAW Local #7881825 West Oak Ridge Road • Orlando, FL 32809

Palm Bay/Melbourne ChapterTuesday, January 15 – 1:30 pm to 3:30 pmPalm Bay Community Center—Room C1502 Port Malabar Blvd., NE • Palm Bay, FL 32905

Port St. Lucie Chapter NEW DAY Monday, January 7 – 11:00 am to 1:00 pm Port St. Lucie Community Center2195 SE Airoso Blvd. • Port St. Lucie, FL 34984

South Palm Beach ChapterThursday, January 10 – 10:00 am to noonTemple Anshei Shalom7099 West Atlantic Avenue • Delray Beach, FL 33446

Tampa Chapter Wednesday, January 30 – 11:00 am to 1:00 pmSpringhill Suites by Marriott4835 West Cypress Street • Tampa, FL 33607

West Palm Beach ChapterWednesday, January 2 – 11:00 am to 1:00 pmSt. Christopher’s Episcopal Church – Parish Hall1063 North Haverhill Road • West Palm Beach, FL 33417

For further information, contact Elizabeth (Lisa) Tilson:Elizabeth.Tilson@1199Funds.org; Toll-free: (877) 369-8340Palm Beach County: (561) 367-3739; Fax: (561) 617-7099PO Box 6688, Delray Beach, FL 33482

New York ChaptersBronx – Joseph James ChapterFriday, January 11 • 11:00 am to 1:00 pm1199SEIU Healthcare & Education Center2501 Grand Concourse, Room 301 • Bronx, NY 10468

Brooklyn – Marshall Dubin Chapter Wednesday, January 30 • 11:00 am to 1:00 pmBrooklyn College – Student Center, 2nd FloorEast 27th Street & Campus Road • Brooklyn, NY 11210

Brooklyn – Mattie Small ChapterFriday, January 18 • 11:30 am to 1:30 pm1199SEIU Brooklyn Office25 Elm Place (between Fulton & Livingston Streets) • Brooklyn, NY 11201

East Harlem – Leon Davis ChapterFriday, January 25 • 10:30 am to noonJefferson Senior Center2205 First Avenue • New York, NY 10029

Hicksville – Milton Konowe ChapterWednesday, January 16 • 11:00 am to 1:00 pm1199SEIU Hicksville Office100 Duffy Avenue • Hicksville, NY 11801

New Hyde Park – Eleanor Tilson ChapterTuesday, January 15 • 2:00 pm to 3:30 pmNorthwell Health (formerly NS-LIJ) Cohen Children’s Medical CenterCafeteria – Lower Level269-01 76th Avenue • New Hyde Park, NY 11040

North Bronx – Bernard Minter Chapter Tuesday, January 8 • 1:00 pm to 3:00 pmHoly Rosary Church1510 Adee Avenue (enter at parking lot) • Bronx, NY 10469

Queens – Edward Garrins Chapter Tuesday, January 22 • 11:30 am to 1:00 pmMajority Baptist Church115-21 Farmers Blvd. • St. Albans, NY 11412

Staten Island Chapter Tuesday, January 8 • 1:30 am to 3:00 pm1199SEIU Training and Employment Funds Office790 Port Richmond Avenue (off Forest Avenue) • Staten Island, NY 10302

Suffolk County Chapter NO CHAPTER MEETINGS UNTIL APRILFirst Baptist Church of Riverhead1018 Northville Turnpike • Riverhead, NY 11901

Westchester – Hudson Valley Region Chapter Stay healthy! Come to our yoga class and chapter meeting on Wednesday, January 9. Yoga: 11:30 am • Chapter Meeting: 12:30 pm1199SEIU United Healthcare Workers East99 Church Street • White Plains, NY 10601

North & South Carolinas ChapterFriday, January 18 • 9:30 am to noonBirnie Hope Center • 210 South Purdy Street • Sumter, SC 29150For more information, call (843) 861-1265.

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