47 STATEMENT OF ERISA RIGHTS As a participant in the Plan (which is a type of E mployee Welfare Benefit Plan called a “group health plan”) you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all group health plan participants shall be entitled to: Receive Information About Your Plan and Benefits Examine, without charge, at the Plan Administrator’s office and at other specified locations, such as worksites and union halls, all documents governing the Plan , including insurance contracts and if applicable, collective bargaining agreements, and a copy of the latest A nnual R eport (Form 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. Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the Plan , including insurance contracts and if applicable, collective bargaining agreements, and copies of the latest A nnual R eport (Form 5500 Series) and updated Summary Plan Description . The Plan Administrator may make a reasonable charge for the copies. Medical Loss Ratio (MLR) In certain circumstances under the Medical Loss Ratio Standards in section 2718 of the Patient Protection and Affordable Care Act of 2010 (PPACA), rebates may be paid to this Plan. The federal law requires that the issuer of the rebate (the insurance company) provide you a written notice of a rebate, at the time the rebate is paid to the Plan . The rebate will be prorated between the amount attributable to Plan costs paid by the Plan Sponsor and Plan costs paid by participants. The participant portion of the rebate will be used for the benefit of the Plan participants. This can be done by a number of actions, including but not limited to lowering the Plan costs for the participants for the next Plan Year, applied towards the cost of administering the Plan , paid as taxable income to the participants, or in any manner that allocates the rebate to Participants based on each Participant’s actual contributions, or to apportion it on any other reasonable basis . Continue Group Health Plan Coverage To c ontinue health care coverage for yourself, legal spouse defined by Federal and State Law , or dependents if there is a loss of coverage under the Plan as a result of a Qualifying Event. You or your dependents may have to pay for such coverage. Review this Summary Plan Description Wrap Document and the documents governing the Plan on the rules governing your COBR A C ontinuation C overage R ights. Qualified Medical Child Support Order Procedures If a Health Benefit P rogram is subject to ERISA § 609(a), then this Section shall apply. Such Health Benefit P rogram shall provide benefits in accordance with the terms of a Q ualified M edical C hild S upport O rder that meets the requirements of ERISA § 609(a). Each Health Benefit P rogram shall establish reasonable written procedures to determine whether a medical child support order is a Q ualified M edical C hild S upport O rder . Such procedures shall be made av ailable upon request of a p articipant at no charge .