Page 49 - Pay'n Save Retirement Truat fund

47 | SOUND RETIREMENT

 A statement that you are entitled to receive, upon request
and free of charge, reasonable access to, and copies of, all
documents, records and other information relevant to your
application;

 In the case of an application for disability benefits, a copy of
any internal rule, guideline, protocol or other similar criterion
relied upon in making the appeal determination or a statement
that such rule, guideline, protocol or other criterion was relied
upon in making the appeal determination; and
 A description of the procedures for an appeal to the Hearing
Committee and for arbitration and the time limits applicable
to such procedures, including a statement of your right to
bring a civil action under Section 502(a) of ERISA if you
exhaust your administrative remedies under the Plan.

APPEAL TO HEARINGS COMMITTEE
If you (or your spouse) are dissatisfied with the decision of
the Appeals Committee, you may request a hearing before the
Hearings Committee, designated by the Trustees. This request
must be made in writing and must be received by the Trust within
30 days following the date you receive notice of the Appeals
Committee’s decision.

The Hearings Committee will conduct a hearing within 30 days
of the receipt of the appeal unless more time is needed, or unless
you (or your spouse) agree to a different schedule. If more time
is needed, you (or your spouse) will be notified. At the hearing,
you (or your spouse) will be entitled to present your position
and any evidence. You (or your spouse) may be represented
before the Hearings Committee by an attorney or by any other
representative of your choosing.

You (or your spouse) will be notified of the Hearings Committee’s
decision within 5 days of the date a decision is made. The
Hearing Committee’s decision is the final and binding decision of
the Board of Trustees and no further appeal is available under the
Plan. If the Hearings Committee upholds the denial, the Trust will
send you a written notice which contains the following:

 The specific reasons for the Trustees’ decision;

 References to the Plan provisions on which the denial is based;
 A description of any additional material or information
necessary for you to perfect your application and an
explanation why such material or information is necessary;

 A statement that you are entitled to receive, upon request
and free of charge, reasonable access to, and copies of, all
documents, records and other information relevant to your
application;