Summary Plan Description

Benefit Claim Denial Procedures

The specific rules for the filing of a claim for benefits are found in the Section entitled "Filing A Claim For Benefit Payments" at page 53.

If your claim for benefits is either denied or partially denied, you will be notified in writing and given an opportunity for a review.

The written notice of denial which you receive will give:

1. The specific reason(s) for the denial of the claim for benefits.

2. A reference to the specific Plan provision(s) on which the denial is based.

3. A description of any additional material or information necessary to perfect the claim for benefits and the reason(s) why such material or information is needed.

4. An explanation of the Plan's benefit claim review procedures.

Furthermore, if your claim for benefits is not acted upon within 90 days of the date you might expect the Fund Office to have received it -- or 180 days if it is a special case and if the Fund Office has so informed you -- this is the same as denying your claim for benefits and you may proceed to the review procedure stage immediately should you so desire.

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