Appeals Procedure

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 the Participant disagrees with the decision of the Fund Office, he may submit an appeal to the Board of Trustees within 60 days of his receipt of the denial of benefits. The appeal should be in writing and state in clear and concise terms the reason for disagreement. The appeal should be addressed to the Board of Trustees of the Vacation-Holiday Savings Trust in care of the Fund Office. The Trustees will normally review and take action on the appeal within 60 days of receipt of the appeal. If they are unable to do so, the Participant will be notified if additional time is required. In any event, the Trustees will make the final decision within 90 days after the original 60-day period has elapsed.