Retiree Health Summary Plan Description
En Español (PDF)

Exhaustion of the Appeal Process

Under a Federal Law known as ERISA a Participant or beneficiary whose claim for benefits has been denied may file suit against the Trust Fund seeking the denied benefit. However, prior to filing such a suit the appeal process under the Trust Fund described above must be pursued and exhausted. Thus, following any initial denial of benefits, if you disagree it is important you file a timely appeal. In all cases your appeal must be filed no later than 180 days after the initial denial of your claim was received by you. If you do not file an appeal within the required time frame you will have failed to exhaust your appeal rights. The Trustees may extend the 180 day limit upon your showing good cause for the delay, but to protect your rights you should file any appeal promptly after your receipt of the initial denial.

Following the Trustees' decision, the Participant or spouse shall have the right to bring a civil action under Section 502.