Health and Welfare Summary Plan Description

• Health and Welfare SPD / Article XIII / Statement of ERISA Rights >>

13.1 Your Rights Under ERISA.

As a Participant you are entitled to certain rights and protections under ERISA. ERISA provides that all Participants are entitled to:

1. Examine, without charge, at the Plan Office and at other specified locations such as work sites and the Local 6 office, documents governing the Plan, including the Collective Bargaining Agreement and the annual report (Form 5500 series) filed with the Department of Labor.
   
   
2. Obtain copies of Plan documents and other information (which is required by law to be furnished) upon written request to the Plan. The Plan Office may require that you pay a reasonable charge for the copies.
   
   
3. Receive a summary of the Plan's annual financial report, known as a Summary Annual Report ("SAR"). The Plan is required by law to furnish each Participant with a copy of the SAR.
   
   
4. Continued health care coverage for yourself and your Dependents if there is a loss of coverage under this plan as a result of a qualifying event. You or your Dependents may have to pay for such coverage.
   
   
5. Review this document and other documents governing your COBRA continuation coverage rights.
   
   
6. Reduction or elimination of exclusionary periods of coverage for pre-existing conditions if you have creditable coverage from another plan. The Plan will provide you a Certificate of Creditable Coverage, without charge, when you lose coverage or become entitled to elect COBRA continuation coverage, when your COBRA continuation coverage ceases, or when you request it up to 24 months after losing coverage. Without evidence of creditable coverage, you may be subject to a pre-existing condition exclusion for 12 months (18 months for late enrollees) after your enrollment date in your coverage.