ARTICLE NINE                               
                                INSURANCE
 
 Section 9.0  Description of Benefits
     Description of benefits provided herein are intended to
      be informational only and the language of the insurance
      contracts established from time to time by the Board
      shall govern all claims.  United Faculty shall be
      provided a copy of each insurance policy contract issued
      according to this Article at the beginning of each
      fiscal year and whenever any change is made in the
      coverage.