98 No Assignment of Benefits You may not assign your benefits under this Plan except that you may direct that benefits payable to you be paid directly to an institution or provider of medical care. However, the Fund is not legally obligated to accept such a direction from you, and no payment by the Fund to a provider ca n be considered a recognition by the Fund that it has a legal duty to pay the provider, except to the extent that it c hooses to do so. Direct payment to an institution or provider of medical care does not waive the anti - as signment clause under the Plan. Plan Termination The Trustees may terminate the Fund through a written document. The Fund may be terminated if, in the o pinion of the Trustees, the Trust Fund is not adequate to meet the payments due or which may become due. The Fund may also be terminated i f there are no longer any collective bargaining agreements requiring contributions to the Fund. The Trustees have comp lete discretion to determine when and if the Fund should be terminated. If the Fund is terminated, the Trustees will: (a) pay the expenses of the Fund incurred up to the date of termination and the expenses in connection with the termination; (b) arrange f or a final audit of the Fund; (c) give any notice and prepare and file any reports which may be required by law; and (d) apply the assets of the Fund in accordance with the Plan including amendments adopted as part of the termination until the asse ts of th e Fund are distributed. No part of the assets or income of the Fund will be used for purposes other than for the exclusive benefit of the Employees and dependents or the Fund’s administrative expenses. Under no circumstances will any portion of the Fund re vert or inure to the benefit of any contributing Employer or the union, either directly or indirectly. Savings Clause If any provision of this Plan is held to be unlawful, or unlawful as to a particular person or circumstance, such finding shall not advers ely affect the application of the other provisions of the Plan as they are described in this SPD , unless the illegality makes the continue d op eration of the Plan impossible. Source of Plan Funding The benefits under the Plan are funded by monthly contribut ion payments by the Employers. There also are circumstances in which Employees self - pay to the Fund. In addition, the Trustees have purcha sed stop loss insurance to cover losses to the Fund in the event of large claims. The stop loss insurance is provided by Amalgamated Life Insurance Company: Amalgamated Life Insurance Company 333 Westchester Avenue White Plains, NY 10604 914 - 367 - 5000 The continuation of this insurance arrangement is at the discretion of the Trustees. Benefits are provided only to the ext ent permitted by the contributions. If contributions are not sufficient to maintain benefits, the Board of Trustees (Board) reserves the r ight to change the eligibility rules, reduce or change the benefits, or eliminate the Plan, in whole or in part. The amount of contributions and the Employees on whose behalf contributions are made are determined by the provisions of the collective bargaining agreements or other agreements, as approved by the Trustees. The Employer must make the required payments for a m onth for coverage to be provided for the period. The Trustees reserve the right to terminate the participation of any Emplo yer at any time for any reason.