Claim Appeal

If your Claim is denied or you disagree with the amount of the benefit, you have the right to have the initial determination reviewed by appealing the denial to the Trustees of the Claim Committee of the Chicago Laborers’ Welfare Fund. Your Appeal must be filed in writing at the Fund Office not more than 180 days (or 60 days for Death and Accidental Dismemberment Benefit Claims) after the date you received the letter denying your Claim.

Send your written Appeal to:

Claim Committee
Chicago Laborers’ Welfare Fund
11465 W. Cermak Road
Westchester, IL 60154-5768

When filing an Appeal (requesting a review of a denied Claim), note the following:

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Appeal Review

Once your Claim is received, if you filed your Appeal on time and followed the required procedures, the Claim Department’s management staff reviews it first. If the management staff determines that additional benefits are payable under the terms of the Plan, your Appeal is responded to and payment is made within 30 days of the receipt of your Appeal.

In all other cases, the Claim Committee of the Chicago Laborers’ Welfare Fund Board of Trustees will review your Appeal. The Committee currently meets on the first Tuesday of every month.

After the Claim Committee receives your written request, a determination on your Appeal, for:

The Trustees will issue a written decision reaffirming, modifying, or setting aside the action you are appealing. The Trustees’ decision will be based on all information used in the initial determination as well as any additional information submitted. If your Claim is not paid in full, the written decision will include: