Page 4 - AAACU Health & Welfare SPD rev 09012013

Participation ...........................................................................................................................17
Benefits Provided ...................................................................................................................17
Source of Payment ................................................................................................................17
Plan Limitations and Exclusions .............................................................................................17
Coverage Continuation ..........................................................................................................17
For More Information .............................................................................................................17

Your Disability Benefits ..........................................................................................................18
Participation ...........................................................................................................................18
Benefits Provided ...................................................................................................................18
Source of Payment ................................................................................................................18
Payment of Benefits ...............................................................................................................19
Offset of Other Benefits..........................................................................................................19
Limitations and Exclusions .....................................................................................................19
Claims and Appeals ...............................................................................................................19
For More Information .............................................................................................................19

Your Employee Assistance Program (“EAP”) .......................................................................20
Participation ...........................................................................................................................20
Benefits Provided ...................................................................................................................20
Source of Payment ................................................................................................................20
Plan Limitations and Exclusions .............................................................................................20
For More Information .............................................................................................................20
Administrative Information .....................................................................................................21
Plan Sponsor and Administrator .............................................................................................21
Plan Year ...............................................................................................................................22
Type of Plan ...........................................................................................................................22
Identification Numbers ...........................................................................................................22
Plan Funding and Type of Administration ...............................................................................22
Insurers/Claims Administrators ..............................................................................................23
Agent for Service of Legal Process ........................................................................................24
No Obligation to Continue Employment .................................................................................24
Non-Alienation of Benefits......................................................................................................25
Severability ............................................................................................................................25
Payment of Benefits to Others ...............................................................................................25
Expenses ...............................................................................................................................25
Fraud .....................................................................................................................................25
Indemnity ...............................................................................................................................25
Compliance with State and Federal Mandates .......................................................................25
Refund of Premium Contributions ..........................................................................................26
Non-discrimination .................................................................................................................26
Future of the Plan ..................................................................................................................26
Claims Procedures/Coordination of Benefits .......................................................................27
Claims and Appeals ...............................................................................................................27
Exhaustion Required..............................................................................................................27

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