This section contains certain general and technical information which you may need to know and which we are required by Federal Law to furnish you.

General Plan Information

The Coweta County School System Benefit Package is the formal name of the plan.

Your employer has assigned Plan Number 501 to your plan.

The provisions of the plan became effective on January 1, 1988, which is called the Effective Date of the Plan.

Your Plan's records are maintained on a twelve-month period of time.  This is known as the Plan Year.  The Plan Year begins on January1st and ends on December 31st.

Employee Information

Your employer's name, address and identification number is:

Coweta County School System
Post Office Box 280
Newnan, Georgia 30264
58-6000219

Plan Administrator Information

The name, address and business telephone number of your Plan's Administrator is:

Coweta County School System
Post Office Box 280
Newnan, Georgia 30264
(770) 254-2800

The Administrator keeps the records for the Plan and is responsible for the administration of the Plan.  The Administrator will also answer any questions you may have about the Plan.

Services of Legal Process

The name and address of the Plan's agent for service of legal service is:

Coweta County School System
Post Office Box 280
Newnan, Georgia 30264

Type of Administration

The type of administration is "Insurer Administration"

Additional Plan Information

Your Rights Under ERISA

As a participant in the Plan, you are entitled to certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA).  ERISA provides that all plan participants are entitled to:

(1) Examine, without charge, at the Administrator's office all Plan documents and copies of all documents filed by the Plan with the U.S. Department of Labor, such as detailed annual reports and Plan descriptions: and

(2) Obtain copies of all Plan documents and other Plan information upon request to the Administrator,  The Administrator may make a reasonable charge for the copies.

In addition to creating rights for Plan participants, ERISA imposes duties upon people who are responsible for the operation of an employee benefit plan.  The people who operate your Plan, called "fiduciaries" of the Plan, have a duty to do so prudently and in the best interest of you and the Plan participants.

No one, including your employer or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a benefit or exercising your rights under ERISA.

If your claim for a benefit is denied in whole or in part, you must receive a written explanation of the reason for the denial.  You have the right to have your claim reviewed and reconsidered.

Under ERISA there are steps you can take to enforce the above rights,  For instance, if you request material from the Plan and do not receive then within thirty (30) days,
you any file suit in a Federal Court.  In such a case, the court may request the Administrator to provide the material unless the materials were not sent because of reasons beyond the control of the Administrator. If you have a claim for benefits which is denied or ignored, in whole or in part, you may file suit in a State of Federal Court.

If it should happen that Plan fiduciaries misuse the Plan's money, or if you are discriminated against for asserting your rights, you may seek assistance from the U.S. Department of Labor, or may file suit in a Federal Court.  The court will decide who should pay court costs and legal fees.  If you are successful, the court may order the person you have sued to pay these costs and fees.  If you lose, the court may order you to pay these costs and fees: for example, if it finds your claim is frivolous.

Claims Process

Claims for benefits that are insured will be reviewed in accordance with procedures contained in the policies.  All other general claims or request should be directed to the Administrator of your Plan.  If a non-insured claim under the Plan is denied in whole or in part, you or your beneficiary will receive written notification.  The notification will include the reasons for the denial, with reference to the specific provisions of any additional information needed to process the claim and an explanation of the claims review
procedure.  If we fail to respond within 90 days, your claim is treated as denied.  Within 60 days after denial, you or your beneficiary may submit a written request for reconsideration of the application to the Administrator.

Any such request should be accompanied by documents or records in support of your appeal.  You or your beneficiary may review pertinent documents and submit issues an comments in writing.  The Administrator will review the claim and provide, within 60 days, a written response to the appeal.  (This period may be extended and additional 60 days under certain circumstances).

In response, the Administrator will explain for the decision with specific references to the provisions of the Plan on  which the decision is based.  The Administrator has the exclusive right to interpret the appropriate Plan provisions.  Decisions of the Administrator are conclusive and binding.

Summary

The foregoing information on the various insured benefits is provided as an outline and summary.  For the exact specifications, provisions and limitations, refer to the actual policy or your individual certificate. If you have any questions, please contact the Administrator, or if you have specific questions regarding the insurance benefits contact:

Houze & Associates, Inc.
308 Church Street - Post Office Box 3070
LaGrange, Georgia 30241
(800) 523-7135

http://www.houze.org