KNOW YOUR PLAN

KNOW YOUR PLAN

By carefully reading your summary plan description and
understanding your relationship to your plan, you can be an informed
participant. So know your plan, what it requires of you, how to become
eligible for its benefits, and what steps you can take to assure that you
will receive your earned benefits.

U.S. Department of Labor
Pension and Welfare Benefits Administration
Washington, D.C. 20210

SUMMARY OF STEPS

1. File claim for benefits
with person designated
by plan to receive claims.
Check your benefits with
your plan administrator.

2. Benefits approved
payment will be made.

or

2. Wait for reasonable time,
usually 90 days for outcome
of claim If no decision and
the plan did not extend the
period based on special
circumstances you may
consider claim denied.

3. Request review of your
claim. Explanation is
required for a denied
claim.

4. You may file claim for full
and fair review Be sure and
include all related
information, especially new
evidence or information.

5. If appeal review will take
longer than 60 days you must
be notified. Generally, a
decision must be made within
120 days of your appeal.

6. If you have not received
notice within time set, you
can assume appeal denied You
may seek legal assistance or
you may wish to get in touch
with the nearest PWBA office
concerning your rights under
ERISA.