Health & Welfare Fund Disclaimer / Terms of Use

This website is intended primarily for the participants and retirees of the Michigan UFCW Unions and Employers Health and Welfare Fund (the "Fund"), and their eligible dependents. Use of this website is subject to the following Terms of Use and Disclaimers. By proceeding and using this website, you acknowledge acceptance of these terms. The Trustees of the Fund have made this website available to you in order for you to gain easier access to information about your plans of benefits. However, information on this website does not overrule the official plan documents, rules, and regulations, which are subject to change. Only the Board of Trustees have the authority to interpret the Fund and your rights can only be determined by the provisions of the Fund's governing documents. The information on this website is not intended to be used as the sole basis of any eligibility or benefit related decision. You cannot claim any benefit, file an appeal, or file a lawsuit against anybody based on your reliance on anything contained in this website. If you require a formal determination about a critical benefit issue affecting you, your inquiry should be directed in writing to the Administrative Managers at the Fund Office.

This material is for informational purposes only and is not intended to be an authoritative or binding presentation of the official rules and regulations of the Fund discussed on the website. Nothing contained in this website is meant to interpret, extend or change in any way the governing documents of the Fund. Neither the Fund, Fund Office employees, affiliates, Board of Trustees nor related entities make any claim regarding the website's accuracy, completeness or reliability. This website and any content or information contained on it are provided "AS IS" with no representations or warranties of any kind. Neither the Board of Trustees nor the Fund warrant the accuracy or completeness of the information, text, graphics, links or other items contained on this site. The Fund, Fund Office employees, affiliates, Board of Trustees and related entities are not liable for any direct, special, indirect, incidental, consequential or punitive damages related to use of this website.

Links to other websites are contained in this website. These links are offered for your convenience and do not constitute an endorsement of those websites. The Board of Trustees does not assess the suitability, or give any assurance about the potential value of any opinions expressed or the information contained in any outside links referenced in this website. The Fund, Fund Office employees, affiliates, Board of Trustees and related entities are not liable for any transactions conducted with third parties or any liability arising from the representations or information provided on linked sites.

All contents of this website and this Disclaimer/Terms of Use are subject to change without notice. Any change or modification will be effective immediately upon posting and your continued use of the website means that you have agreed to accept any changes or modifications.

This site contains information of a general and educational nature about your benefit plans and issues relating to your benefit plans. This site does not contain any medical, legal, tax, financial planning or any other form of professional advice. The Board of Trustees encourages you to make appropriate use of medical, legal, tax, and financial planning professionals in helping you to make prudent decisions regarding the use of your benefit programs.

The data contained on this site is proprietary to or properly licensed to the Fund and may not be copied, reproduced, duplicated, modified, distributed or disclosed without the approval of the Fund. However, you may download materials on any single computer for your personal, noncommercial use. Improper access and use of this website is strictly prohibited and may subject an unauthorized user to criminal and civil penalties, including indemnification of the Fund for loss or damage caused by unauthorized use. By use of this website, you agree to indemnify and hold harmless the Fund, Fund Office employees, affiliates, Board of Trustees and related entities from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs and expenses relating to your use of the website.

Any delay or failure on the part of the Fund to enforce any rights under this Disclaimer/Terms of Use to which they may be entitled shall not be construed as a waiver of the right and privilege to do so at any subsequent time.

Security

You are responsible for changing your password upon entering the system for the first time. You are also responsible for safeguarding and maintaining the secrecy of your password at all times. We believe that we have taken all reasonable security steps to encrypt your personal information so that it cannot be read as the information travels over the Internet. However, nothing is entirely foolproof, and as a customer, you accept the risk of conducting financial and private transactions via the Internet.

Disclosure of Personal Data

You agree to the disclosure of personal data concerning yourself or any dependent (including but not limited to your Social Security number, medical treatment and other medical information, name, address, age, date of birth, and credit card or other billing information) to the appropriate health care service provider, your employer's health care benefit administrator staff, health insurance payors and claims processing personnel for the purpose of processing and/or paying your health care benefit claims.