USW HRA FUND
BOARD OF TRUSTEES USW HRA FUND
Self-funded — on this filing, benefits are paid from the employer's general assets or a benefit trust (the filer marked general-assets/trust and not insurance). The plan sponsor bears the claims risk; there may be stop-loss insurance behind it that the form does not show.
This describes the whole filing's benefit arrangement (Form 5500 line 9b). The filing bundles a health benefit (4A) with others, so an individual benefit could be funded differently — confirm yours below or on Schedule A. To confirm how YOUR coverage is funded, read the plan's Summary Plan Description (SPD) or the original DOL EFAST filing.
What this means for you
A self-funded plan pays claims from the employer's own funds and is governed by federal ERISA, not state insurance law. State insurance mandates and your state insurance commissioner's complaint/external-appeal process generally do not apply to a self-funded benefit — if a claim is denied, your recourse is the plan's internal appeal and then the U.S. Department of Labor (EBSA), not your state regulator. For the health benefit, ACA protections still apply, including a federal external-review process.
General information about how ERISA plan funding affects which rules apply — not legal advice. Your rights depend on your specific plan and benefit.
- Sponsor (employer)
- BOARD OF TRUSTEES USW HRA FUND
- Sponsor EIN
- 62-1548543
- Plan number
- 501
- Total participants (BOY)
- 2,619
- Plan administrator
- BOARD OF TRUSTEES USW HRA FUND (same as sponsor)
- Location filed
- NASHVILLE, TN
Benefits reported on this filing
The Form 5500 welfare benefit codes (line 8b) the employer marked. A single filing commonly bundles several.
- 4A Health (other than dental or vision)
- 4D Dental
- 4E Vision
What this is — and isn't
This page reproduces a recorded ERISA filing: what BOARD OF TRUSTEES USW HRA FUND reported to the U.S. Department of Labor on Form 5500 for plan year 2023. The funding label is derived from the employer's own line-9b boxes. Every figure is shown as filed and may include filer data-entry errors (a participant count, for instance, can be implausibly large if mistyped); we reproduce the record rather than correct it. It is not a rating of the plan, not legal or benefits advice, and not a substitute for the plan's Summary Plan Description. For your specific coverage and current details, contact the plan administrator or read the SPD; to verify this record, search the original filing at DOL EFAST.
Structured facts: /plans/board-of-trustees-usw-hra-fund-usw-hra-fund-621548543-501.jsonld