As a Plan participant, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all The Teamsters Life Insurance Trust Fund participants are entitled to:

Receive Information about Your Plan and Benefits

You can examine, without charge, at The Teamsters Life Insurance Trust Fund's Administrative Office and at other specified locations (such as worksites and local unions) all documents governing the Plan, including insurance contracts, collective bargaining agreements, and a copy of the latest annual report (Foini 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 Administration.

You can obtain, upon written request to the Board of Trustees or the Administrative Office, copies of all 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 an updated Summary Plan Description. (A reasonable charge may be made for copies.)

You should receive a summary of the Plan's annual financial report. The Plan Administrator is required by law to provide a copy of this summary annual report to each Plan participant.

Prudent Actions by 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. These people, called "fiduciaries" of the Plan, have a duty to operate your Plan prudently and in the interest of you and other Plan participants and beneficiaries. 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 Plan benefit or exercising your rights under ERISA.

Enforce Your Rights

If your claim for a benefit is denied or ignored, in whole or in part, you have a right (within certain time schedules, see Claiming Benefits and Requesting A Disability Premium Waiver starting on page 17) to know why this was done, to obtain copies of the documents relating to the decision without charge, and to appeal any denial.

Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of Plan documents or the latest annual report from the Plan and do not receive your copies within 30 days, you may file suit in federal court. In such a case, the court may require the Plan Administrator to provide the 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 Plan Administrator.

If you have a claim for benefits which is denied, in whole or in part, you may file suit in a state or federal court any time within 12 months of the date of notice that your claim was denied on appeal. If you have filed a claim and have not heard from the Plan within 30 days of filing you should contact the Administrative Office. If you do not receive a denial or payment of your claim within 90 days you should assume for purposes of appeal that your claim has been denied.

You may seek assistance from the U.S. Department of Labor, or you may file suit in a federal court if Plan fiduciaries misuse the Plan's money, or if you are discriminated against for asserting your rights.

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 these costs and fees (for example, if it finds your claim is frivolous).

Assistance with Your Questions

If you have questions about your Plan you should contact the 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 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 Administration at 1 (866) 444­3272.

Your Information and Privacy

The benefits offered under the Teamsters Life Insurance Trust Fund may use health information about you and your covered dependents only for the purpose of paying claims and related functions.

To protect the privacy of your health information, access to your health information is limited to such purposes and complies with the privacy requirements of HIPAA.

These links are provided as a convenience and for informational purposes only and do not constitute an endorsement by the Teamsters Life Insurance Trust Fund.  The Teamsters Life Insurance Trust Fund bears no responsibility for the accuracy, legality, or content of the external site or for that of subsequent links.  Contact the external site for answers to questions regarding its content.

Plan A:

Summary Plan Description

 Plan B:

Summary Plan Description
Eligibility & Benefit Insert - Pepsico

 Plan C:

Summary Plan Description
Eligibility & Benefit Insert - Bellingham
Eligibility & Benefit Insert - Burlington
Eligibility & Benefit Insert - Cowlitz
Eligibility & Benefit Insert - Darigold
Eligibility & Benefit Insert - LTI
Eligibility & Benefit Insert - Sanitary
Eligibility & Benefit Insert - Smith

 Summary of Material Modifications:

There are no SMM at this time.

 Forms:

Claim Form
Disability Waiver
Enrollment Form
MetLife Claimant’s Affidavit

 Notices:

There are no notices at this time.