Legal Conditions and Terms of Use

These websites are maintained by the Central States, Southeast and Southwest Areas Health and Welfare and Pension Funds (hereinafter "Central States Funds"). The data contained on these sites is proprietary to or properly licensed to Central States Funds, and may not be copied, reproduced, duplicated, modified, distributed or disclosed without the approval of Central States Funds. Improper access and use of these websites is strictly prohibited and may subject an unauthorized user to criminal and civil penalties, including indemnification of Central States Funds for loss or damage caused by unauthorized use, including, without limitation, copyright or trademark infringement, or caused by unauthorized uploading or postings of any kind.

You may use the content of this website to learn about the benefits and services of Central States Funds. The content of these websites is not, and shall not be construed as, a promise of benefits. All benefits are governed by the terms of applicable plan documents as interpreted by the Trustees. Central States Funds use their best efforts to maintain accurate content. However, no content should be relied upon without written confirmation from the Central States Funds. Central States Funds do not warrant the accuracy or completeness of the information, text, graphics, links, or other items contained on these sites, and do not warrant that this information will be applicable to any specific participant or beneficiary.

This website is not intended to provide individual medical treatment advice or diagnosis. If individual medical or health care advice is needed, please consult a qualified health care provider. If emergency or crisis care is needed, call 911 or your local emergency services facility. Central States Funds expressly disclaim liability for errors or omissions in these materials, and disclaim all warranties, express or implied. In no event will Central States Funds, their suppliers, or other third parties mentioned at these sites be liable for any damages whatsoever arising out of the use, inability to use, or the results of use of these sites, any websites linked to this site, or the materials or information contained at any or all such sites. Central States Funds make no commitment to update the information contained in this site.

You may interact with or download information from any portion of Central States Funds’ websites for the personal and noncommercial use by any participant or beneficiary of Central States Funds. However, you may not copy, reproduce, sell, publish, transmit, modify, display, repost, hyperlink or otherwise use or distribute any portion of the information and materials from Central States Funds’ websites for public or commercial purposes without the express written consent of the Central States Funds.

This registered-users-only area of these websites contains protected health information subject to protection under the Health Insurance Portability and Accountability Act (“HIPAA”). The access, use or disclosure of such protected health information in violation of HIPAA may subject the offender to civil and/or criminal penalties.

In order to access the registered-user-only areas of Central States Funds’ websites, you will need to establish and maintain a password and an email address. You acknowledge that the use of a password and email address is an adequate form of security. You are responsible for (1) authorizing, monitoring, controlling access to and maintaining the strict confidentiality of your password, (2) not allowing another person to use your password, (3) any charges or damages that may be incurred as a result of your neglect to maintain the strict confidentiality of your password, and (4) promptly informing Central States Funds in writing of any need to deactivate a password due to security concerns.

Central States Funds are not liable for any harm related to the theft of passwords, disclosure of passwords, or your authorization to allow another person or entity to access and use Central States Funds’ websites using your password. You shall immediately notify Central States Funds of any unauthorized use of your password and any breach of confidentiality. Until Central States Funds receives this notification from you, you will be held liable for any harm ensuing from the use of your password on Central States Funds’ websites.

Neither the Central States Funds, nor any of their affiliates, employees, agents, licensors or content providers make any representations or warranties of any kind regarding the content of Central States Funds’ websites. The content herein is provided as a service to users only. Nothing contained in this site constitutes investment advice. The content may change periodically as it is updated.