If you have any 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 with obtaining documents from the Plan, you should contact the nearest office of the Employee Benefits Security… Details

If your claim for a benefit under the Plan is denied in whole or in part, you must receive a written explanation of the reason for the denial. You have the right to have the Plan review and reconsider your claim. Under ERISA, there are steps you can take to… Details

In addition to creating rights for Plan Participants, ERISA imposes duties upon the people who are responsible for the operation of the 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… Details

Examine, without charge, at the Plan Administrator’s Office (the Fund Office) and at other specific locations, such as work sites and union halls, all documents governing the Plan, including insurance contracts, collective bargaining agreements and a copy of the latest annual report (Form 5500 Series) filed by the Plan with… Details

In this Section: Receive Information About Your Plan and Benefits Prudent Actions by Plan Fiduciaries Enforce Your Rights Assistance with Your Questions As a Participant in the Operating Engineers Vacation-Holiday Savings Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security… Details

Plan Name and Administration Type The name of the Plan is the Operating Engineers Vacation-Holiday Savings Trust. It is a collectively bargained, jointly-trusteed, labor‐ management trust. Type of Plan This Plan is an employee welfare benefit plan maintained for the purpose of providing benefits through a savings plan for Participants… Details

Let Us Know Where You Are Be sure to keep the Fund Office and Local 12 advised of any change of address. The Fund Office will only accept written notice of a change of address, dated and signed by the Participant. The Fund Office will not accept a telephone… Details

If a Participant’s claim for benefits is denied, in whole or in part, he will receive a written notice of denial from the Fund Office that will state the reason for the denial and will include the appeals procedure. The Trustees will make the final decision on every appeal. If… Details

A Participant may assign benefits from his account in the Plan to the Union for crediting to his supplemental dues account with the Union. To make this assignment, the Participant must complete the Multiple Purpose Dues Assignment-Authorization Form which is available from the Union Office. The amount of contributions in… Details

If a Participant is unable to handle his own affairs because of mental or physical incapacity, the Trustees will make payment of the money in the Participant’s account to such person or in such manner as the Trustees decide will be best for the Participant. A Participant is also entitled… Details