[PDF] Top 20 SIEMENS SAVINGS PLAN SUMMARY PLAN DESCRIPTION

... A decision on an appeal will be made within 60 days of the date it is received. However, special cases can require 120 days. If a decision on an appeal can not be made within 60 days, you will receive a notice of the ... See full document

... 11. You can contribute any whole percentage between 1% and 99% of your basic regular earnings before any contributions you make through salary reduction to the group insurance plan. Your earnings for this purpose ... See full document

... the Plan, based on the Participant's age, target retirement date (such as normal retirement age under the Plan), life expectancy and personal data ...(i.e., savings rate and ...and savings ... See full document

... retirement savings, you should take into account all of your assets, including any retirement savings outside of the ...retirement savings in any one company or industry, your savings may not ... See full document

... the Plan Administrator within one year of your death, your personal representative (if any has so qualified within 15 months from the date of death) or, if there is no personal representative, your heirs at law ... See full document

... 2. If you have an eligible rollover distribution paid to you, you can still decide to roll over all or part of it to an IRA or another employer's plan that accepts rollovers. If you decide to roll over all or part ... See full document

... Certain hospitals and physicians may participate in a PPO Network. PPO providers have entered into an agreement to provide services at a discounted fee arrangement. The PPO offers access to quality health care services ... See full document

... With the safest and most conservative investments, such as the money market fund, you have a lower risk of losing your principal or money. However, historically these funds also have the lowest return over time, and may ... See full document

... If you don’t make a loan payment by the due date, or if any principal is outstanding when you leave Cedars-Sinai, ING (or previous 403(b) vendor) may treat your loan as defaulted; the entire outstanding balance would be ... See full document

... To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Spreading your assets among different types of investments can ... See full document

... Priority: In general, 403(b) Contributions have the lowest priority of any amount that is withheld from your paycheck. Deductions will be made for taxes, welfare benefits (such as medical, dental, and vision benefits), ... See full document

... After you open your account, you can make contributions to your HSA by personal check. These contributions may be deducted on your Federal income tax return, using IRS Form 1040 and Form 8889. You can contribute up to ... See full document

... Hardship withdrawals are available to all participants who are under age 59½ and allow you to withdraw your pre-tax contributions and/or Roth 401(k) contributions (exclusive of earnings and except those contributions ... See full document

... the Plan. All Plan participants pay fees associated with fund expenses and administrative expenses of the ...Retirement Savings Plan and includes items such as the cost of communication ... See full document

... retirement savings in any one company or industry your savings may not be properly ...retirement savings, you should take into account all of your assets, including retirement savings outside ... See full document

... The taxable portion of a distribution from the After-Tax Account is taxed as ordinary income in the year the distribution is issued. Participants may not take a distribution of contributions alone (the amount on which ... See full document

... for plan participants ERISA imposes duties upon the people who are responsible for the operation of the employee benefit ...your plan, called "fiduciaries" of the plan, have a duty to do so ... See full document

... For reimbursement from your HCSA, you must include proof of the expenses incurred. Proof can include a bill, invoice, or an Explanation of Benefits (EOB) from any group medical/dental/vision plan under which you ... See full document

... In addition to these changes, the U.S. Department of Labor amended the claims and appeals procedure, regarding claims for a disability pension. Finally, the International Executive Council amended the PBF’s Rules and ... See full document

... If you are married and become divorced, or become a party to some other domestic dispute, a court may issue a domestic relations order dividing your retirement benefit. When presented with such an order, the Committee, ... See full document