© 2026 Surest. All Rights Reserved . 66 9. What are My Rights under ERISA? Statement of ERISA Rights A Participant under the Surest Plan is entitled to certain rights and protections under ERISA, which provides that all Participants shall be entitled to: • Receive information about the Surest Plan and Benefits. • Examine, without charge, at the Plan Administrator’s office and at other specified locations, such as work sites and union halls, all documents governing the Surest Plan, including insurance contracts and collective bargaining agreements, if applicable, and a copy of the latest annual report (Form 5500 Series), if required to be filed by the Surest Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration. • Obtain, upon written request to the Plan Administrator, copies of documents governing the operation of the Surest Plan, including insurance contracts and collective bargaining agreements, if applicable, and copies of the latest annual report (Form 5500 Series) and updated SPD. The Plan Administrator may make a reasonable charge for the copies. • Receive a summary of this Plan's annual financial report if an annual financial report is required. The Plan Administrator is required by law to furnish each Participant with a copy of this summary annual report. Continue Group Health Surest Plan Coverage • Continue health care coverage for the employee or dependents if there is a loss of coverage under the Surest Plan as a result of a qualifying event. Participants may have to pay for such coverage. Review Section 10 (Continuation of Coverage) in this document and the Surest Plan rules governing COBRA continuation coverage rights. Prudent Actions by Surest Plan Fiduciaries • In addition to creating rights for Surest Plan Participants, ERISA imposes duties upon the people who are responsible for the operation of this Plan. The people who operate this Plan, called “fiduciaries” of the Plan, have a duty to do so prudently and in the interest of the Participants. • No one, including the employer, a union, or any other person, may fire an employee or otherwise discriminate against an employee in any way to prevent him/her from obtaining a welfare benefit or exercising rights under ERISA. Enforce Rights • If a Claim for a welfare benefit is denied or ignored, in whole or in part, a Participant has a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules (see Section 8 [What Do I Do If My Claim Is Denied]). • Under ERISA, there are steps Participants can take to enforce the above rights. For instance, if a Participant requests a copy of Surest Plan documents or the latest annual report from this Plan and does not receive them within 30 days, the Participant may file