This Internet site is owned and operated by International Union of Operating Engineers Local 4 Benefit Funds. (hereinafter “IUOE Local 4 Benefit Funds”). The materials on this Internet site may be downloaded for PERSONAL USE ONLY. The copying, reproduction, duplication, modification, distribution or disclosure of information contained on this site without the prior written approval of the IUOE Local 4 Benefit Funds is expressly prohibited. Improper access and use of this Internet site is also strictly prohibited and may subject an unauthorized user to criminal and civil penalties, including indemnification to the IUOE Local 4 Benefit Funds for losses or damages caused by such unauthorized use including, but not limited to, unauthorized uploading or posting of information and copyright infringement.

The materials on this Internet site are provided for informational and educational purposes only. You may use this site to learn about the benefits provided by the IUOE Local 4 Benefit Funds. However, IUOE Local 4 Benefit Funds does not warrant the accuracy or completeness of the information, Internet links, or other items contained on the site. Moreover, the IUOE Local 4 Benefit Funds expressly disclaims liability for errors or omissions in these materials, and disclaims all warranties, express or implied, including the implied warranties of merchantability and fitness for a particular purpose.

In no event shall the IUOE Local 4 Benefit Funds, or any other third parties mentioned on this Internet site, be liable for any damages arising out of the use, inability to use, or the results of use of this site, any Internet sites linked to this site, or the materials or information contained on all such sites. IUOE Local 4 Benefit Funds makes no commitment to update the information contained on this site and, as such, the information on this site is not guaranteed to be current.

The IUOE Local 4 Benefit Funds has provided links to outside sites, but is not responsible for the content or the availability of these sites. The inclusion of such links is neither intended nor understood to constitute any implied or express approval or acceptance of the validity of the information contained on such sites.

The information contained on this Internet site does not constitute financial or legal advice. You should not act (or refrain from acting) based upon information on this Internet site without obtaining professional advice regarding your particular facts and circumstances. IUOE Local 4 Benefit Funds expressly disclaims all liability with respect to actions taken or actions not taken based on the content of this Internet site. IUOE Local 4 Benefit Funds and any entities mentioned herein (including entities for which an Internet link is provided) expressly disclaim all liability for any losses, claims, injuries, or damages-whether direct, indirect, consequential, incidental or otherwise-arising from the use of any information contained on this Internet site. If any provision in this Disclaimer is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect to the fullest extent possible under the law.

Security Procedures to Protect Confidential Information

The Trustees of the IUOE Health and Welfare Fund (“the Fund”) are committed to safeguarding participants’ privacy by providing protection against unauthorized access or use of confidential information.

The Fund maintains administrative, physical and technical safeguards that comply with the Health Insurance Portability and Accountability Act (HIPAA) guidelines. To protect your personal information against unauthorized access or use, our employees are subject to a code of ethics and other policies that require them to maintain the confidentially of protected health information. The Fund will continue to enhance and maintain prudent security standards and procedures to protect your personal information.

Although the Fund has taken measures to safeguard private information, it cannot be responsible for the content of emails sent to this website or to the Fund. In addition, the Fund cannot protect emails sent to this website from being intercepted by others and decrypted during transmission.

This is to request that all participants refrain from sending any private, health related or otherwise confidential information to the Fund through this website or by email.