SSMC Employee Health Benefit Plan
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K. Severability
If any provision of the Plan shall be found by a court of competent jurisdiction to be void, invalid, or
unenforceable, the same shall either be reformed to comply with applicable law or stricken, if not so
conformable, so as not to affect the validity or enforceability of the remainder of the Plan.
L. Waiver and Estoppel
No term, condition, or provision of this Plan shall be deemed waived, and there shall be no estoppel against
enforcing any provision of the Plan, except through a writing of the party to be charged by the waiver or
estoppel. No such written waiver shall be deemed a continuing waiver unless explicitly made so, and shall
operate only regarding the specific term or condition waived, and shall not be deemed to waive such term or
condition in the future, or as to any act other than specifically waived. No Enrollee, participant or beneficiary
other than as named, or described by class, in the waiver shall be entitled to rely on the waiver for any
purpose.
M. Headings
All article and section headings in this Plan have been inserted for convenience only and shall not determine
the meaning of the content thereof.
N. Federal and State Laws
This Plan shall be governed and construed according to Federal laws such as the Employee Retirement
Income Security Act of 1974, as amended (ERISA), and the Health Insurance Portability and Accountability
Act (HIPAA), as amended, and the Laws of the State of New York, to the extent not preempted by ERISA.
Federal or state laws will affect the provisions of this Plan only when directed at this type of self-funded
health Plan for Plan Sponsors or Plan Administrators regulated by the laws. You may seek assistance or
information about your rights under ERISA or HIPAA by contacting the closest Pension and Welfare Benefits
Administration, U.S. Department of Labor shown in your local phone directory or contact the Division of
Technical Assistance and Inquiries, Pension and Welfare Benefits Administration, U. S. Department of
Labor, 200 Constitution Ave. NW, Washington, D.C. 20210. You may also call the Department of Labor
Toll-Free Participant and Compliance Assistance Number at 1-866-275-7922 for assistance with your
questions and to request certain PWBA publications.
O. Statement of ERISA Rights
As a participant or Enrollee in the SSMC Employee Health Benefits Plan, you are entitled to certain rights
and protection under the federal law, Employee Retirement Income Security Act of 1974 (ERISA), as
amended. ERISA provides that all Plan participants shall be entitled to:
1. 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 collective bargaining agreements, and a copy of the
latest annual report (Form 5500 Series) filed by the plan with the U.S. Department of Labor and available
at the Public Disclosure Room of the Pension and Welfare Benefit Administration.
Obtain, upon written request to the Plan Administrator, copies of documents governing the plan, including
insurance contracts and collective bargaining agreements, and a copy of the latest annual report (Form 5500
Series) and updated summary plan description. The Plan Administrator may require a reasonable charge
for the copies.
Receive a summary of the plan's annual financial report. The Plan Administrator is required by law to
furnish each participant with a copy of this summary annual report.
