What happens if I terminate employment due to disability?..................................................................................................................... 9 In what method and form will my benefits be paid to me?....................................................................................................................... 9
ARTICLE VIII DISTRIBUTIONS UPON DEATH
What happens if I die while working for the Employer?.......................................................................................................................... 10 Who is the beneficiary of my death benefit? ........................................................................................................................................... 10 How will the death benefit be paid to my beneficiary? ............................................................................................................................ 11 When must the last payment be made to my beneficiary (required minimum distributions)?..................................................................... 11 What happens if I terminate employment, commence payments and then die before receiving all of my benefits?..................................... 11
ARTICLE IX TAX TREATMENT OF DISTRIBUTIONS
What are my tax consequences when I receive a distribution from the Plan?............................................................................................ 11 Can I elect a rollover to reduce or defer tax on my distribution? .............................................................................................................. 12
ARTICLE X LOANS Is it possible to borrow money from the Plan? ........................................................................................................................................ 12
ARTICLE XI PROTECTED BENEFITS AND CLAIMS PROCEDURES
Are my benefits protected? .................................................................................................................................................................... 12 Are there any exceptions to the general rule?.......................................................................................................................................... 13 Can the Employer amend the Plan? ........................................................................................................................................................ 13 What happens if the Plan is discontinued or terminated? ......................................................................................................................... 13 How do I submit a claim for Plan benefits? ............................................................................................................................................ 13 What if my benefits are denied? ............................................................................................................................................................. 14 What is the claims review procedure?..................................................................................................................................................... 15 What are my rights as a Plan participant? ............................................................................................................................................... 16 What can I do if I have questions or my rights are violated?.................................................................................................................... 17
ARTICLE XII GENERAL INFORMATION ABOUT THE PLAN
Plan Name ............................................................................................................................................................................................ 17 Plan Number ......................................................................................................................................................................................... 17 Plan Effective Dates .............................................................................................................................................................................. 17 Other Plan Information .......................................................................................................................................................................... 17 Employer Information ........................................................................................................................................................................... 18 Plan Administrator Information.............................................................................................................................................................. 18 Plan Trustee Information and Plan Funding Medium .............................................................................................................................. 18
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