Your Rights Under ERISA
As a participant in
Steamfitters’ Industry Security Benefit Fund,
you are entitled to certain rights and protections under the
Employee Retirement Income Security Act of 1974 (ERISA).
ERISA provides that all plan participants shall be
Receive Information About Your Plan and Benefits
Examine, without charge, at the plan administrator’s office
and at other specified locations such as the union office,
all documents governing the plan, including insurance
contracts and collective bargaining agreements, and a copy
of the latest annual report (Form 5500 Series) filed by the
plan with the U.S. Department of Labor and available at the
Public Disclosure Room of the Employee Benefits Security
Obtain, upon written request to the Executive Plan
Administrator, copies of documents governing the operation
of the plan, including insurance contracts and collective
bargaining agreements, and copies of the latest annual
report (Form 5500 Series) and updated summary plan
administrator may make a reasonable charge for the copies.
Receive a summary of the plan’s annual financial report.
The Executive Plan Administrator is required by law
to furnish each participant with a copy of this summary
Prudent Action by Plan Fiduciaries
In addition to creating rights for plan participants, ERISA
imposes duties upon the people who are responsible for the
operation of the employee benefit plan.
The people who operate your plan, called
“fiduciaries” of the plan, have a duty to do so prudently
and in the interest of you and other plan participants and
No one, including your employer, your union, or any other
person, may fire you or otherwise discriminate against you
in any way to prevent you from obtaining a benefit or
exercising your rights under ERISA.
Enforce Your Rights
If your claims for a benefit is denied or ignored, in whole
or in part, you have a right to know why this was done, to
obtain copies of documents relating to the decision without
charge, and to appeal any denial, all within certain time
Under ERISA, there are steps you can take to enforce the
For instance, if you request a copy of plan documents or the
latest annual report from the plan and do not receive them
within 30 days, you may file suit in a Federal court.
In such a case, the court may require the plan
administrator to provide materials and pay you up to $110 a
day until you receive the materials, unless the materials
were not sent because of reasons beyond the control of the
If you have a claim for benefits that is denied or ignored,
in whole or in part, you may file suit in a state or Federal
addition, if you disagree with the plan’s decision or lack
thereof concerning the qualified status of a domestic
relations order or a medical child support order, you may
file suit in Federal court.
If it should happen that plan fiduciaries misuse the plan’s
money, or if you are discriminated against for asserting
your rights, you may seek assistance form the U.S.
Department of Labor, or you may file suit in a Federal
court. The court
will decide who should pay court costs and legal fees.
If you are successful the court may order the person
you have sued to pay these costs and fees.
If you lose, the court may order you to pay the costs
and fees if, for example, it finds your claim is frivolous.
Assistance with Your Questions
If you have questions about your plan, you should contact
the Executive Plan Administrator.
If you have any questions about this statement or
about your rights under ERISA, or if you need assistance in
obtaining documents from the Executive Plan Administrator,
you should contact the nearest office of the Employee
Benefits Security Administration, U.S. Department of Labor,
listed in your telephone directory or the Division of
Technical Assistance and Inquiries, Employee Benefits
Security Administration, U.S. Department of Labor, 200
Constitution Avenue N.W., Washington, D.C. 20210.
You may also obtain certain publications about your
rights and responsibilities under ERISA by calling the
publications hotline of the Employee Benefits Security