,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #igea  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,july #af1 #bjbf,ms4  
,lee ( ,p5nsylvania introduc$ ! foll[+  
bill2 :i* 0 ref]r$ to ! ,committee on   
,education & ,work=ce  ,a ,,bill  ,to   
am5d ! ,employm5t ,retirem5t ,income    
,security ,act ( #aigd to e/abli%       
additional requirem5ts relat+ to claims 
& appeals4  #a4 ,%ort title ,?is ,act   
may be cit$ z ! ,consum] ,appeal ,rights
 ,en=cem5t ,act4  #b4 ,en=cem5t ( claims
 proc$ure & ext]nal review requirem5ts  
7a7 ,equitable relief & p5alties        
,section #ejb7;a7 ( ! ,employee         
,retirem5t ,income ,security ,act (     
#aigd 7#bi ,u4,s4,c4 #aacb7;a77 is      
am5d$--  7#a7 9 p>agraph 7#e71 by ins]t+
 be=e ! semicolon ! foll[+3 or ! t]ms ( 
! plan2 &  7#b7 9 p>agraph 7#f71 to read
 z foll[s3  7#f7 by ! ,secret>y to      
collect any civil p5alty "u ?is title2  
4  7b7 ,p5alty = claims proc$ure &      
ext]nal review requirem5t violations    
,section #ejb7;c7 ( ! ,employee         

,retirem5t ,income ,security ,act (     
#aigd 7#bi ,u4,s4,c4 #aacb7;c77 is am5d$
 by add+ at ! end ! foll[+3  7#ad7  7,a7
 ,global & individual violations  7i7 ,9
 g5]al ,! ,secret>y may assess a civil  
p5alty "u subp>agraph 7,b7 aga9/ any    
p]son or entity 7o!r ?an a plan7 t      
mat]ially causes 7includ+ ?r\gh failure 
to p]=m requir$ actions7 a global       
violation describ$ 9 clause 7ii7 or     
individual violation describ$ 9 clause  
7iii74  7ii7 ,global violation ,x %all  
be deem$ a global violation = a plan to 
fail to h--  7,i7 a claims proc$ure t   
complies 79 writ+ or 9 op]ation7 )--    
7aa7 ! t]ms ( ! plan2 or  7bb7 section  
#ejc 7includ+ ! requirem5ts ( section   
#befj4ejc-a ( title #bi1 ,code ( ,f$]al 
,regulations1 z 9 effect on ! date (    
enactm5t ( ! ,consum] ,appeal ,rights   
,en=cem5t ,act72 or  7,,ii7 an ext]nal  
review process t complies 79 writ+ or 9 
op]ation7 )--  7aa7 ! t]ms ( ! plan2 or 
7bb7 ! requirem5ts ( section            
#beij4gae-bgai ( title #bi1 ,code (     

,f$]al ,regulations1 z 9 effect on !    
date ( enactm5t ( ! ,consum] ,appeal    
,rights ,en=cem5t ,act4  7iii7          
,individual violation ,x %all be deem$  
an individual violation = a plan to fail
 to-- 7,i7 provide a requir$            
notification or disclosure to a         
p>ticipant or b5efici>y t includes all  
requir$ cont5t2  7,,ii7 respond to or   
decide a p>ticipant's or b5efici>y's    
claim1 appeal or reque/ = ext]nal review
 9 a timely mann]2 or  7,,iii7 respond  
to a p>ticipant's or b5efici>y's        
communication or reque/ = in=mation ) ! 
reque/$ in=mation to :i* ! p>ticipant or
 b5efici>y is legally entitl$2  9 a     
mann] t violates ! plan's writt5 claims 
proc$ure1 section #ejc 7includ+ !       
requirem5ts ( section #befj4ejc-a (     
title #bi1 ,code ( ,f$]al ,regulations  
7z 9 effect on ! date ( enactm5t ( !    
,consum] ,appeal ,rights ,en=cem5t      
,act771 or ! requirem5ts ( section      
#beij4gae-bgai ( title #bi1 ,code (     
,f$]al ,regulations 7z 9 effect on !    

date ( enactm5t ( ! ,consum] ,appeal    
,rights ,en=cem5t ,act74  7iv7 ,sep>ate 
violations ,ea* individual violation )  
respect to ea* p>ticipant or b5efici>y  
%all be treat$ z a sep>ate violation4   
7,b7 ,p5alty ,am\nts  7i7 ,global       
violation ,! am\nt ( ! p5alty impos$ "u 
?is p>agraph = a global violation %all  
be no great] ?an ! product (--  7,i7 =  
ea* plan ye> 9 :i* su* a violation      
occurs1 #a1jjj1 multipli$ by  7,,ii7 !  
numb] ( p>ticipants & b5efici>ies 9 !   
plan at ! />t ( ea* su* plan ye>4  7ii7 
,enhanc$ p5alty = c]ta9 global          
violations ,a p5alty = a global         
violation may be trebl$ if su* violation
 is n correct$ )9 #ij days aft] !       
,secret>y gives writt5 notice ( !       
,secret>y's int5t to assess su* p5alty  
to ! plan adm9i/rator & ea* p]son or    
entity t ! ,secret>y int5ds to hold     
liable = ! p5alty4  7iii7 ,individual   
violation ,! am\nt ( ! p5alty impos$ "u 
?is p>agraph = an individual violation  
%all be no great] ?an #a1jjj = ea* day  

beg9n+ on ! date on :i*--  7,i7 a       
p>ticipant or b5efici>y 7or su*         
p>ticipant or b5efici>y's au?oriz$      
repres5tative7 gives writt5 notice ( !  
violation to ! adm9i/rator & ! ,secret>y
 ( ,labor2 or  7,,ii7 if ! ,secret>y    
discov]s an individual violation dur+ ! 
c\rse ( an inve/igation pursuant to     
section #ejd1 ! ,secret>y provides      
writt5 notice to ! adm9i/rator ( su*    
violation4  & end+ on ! date on :i* !   
violation is correct$4  7iv7 ,enhanc$   
p5alty = c]ta9 individual violations ,! 
civil p5alty describ$ 9 clause 7iii7 may
 be trebl$ ) respect to ea* sep>ate &   
di/9ct violation ( subp>agraph 7,a77iii7
 t is n correct$ )9 ! foll[+ p]iods     
beg9n+ on ! date on :i* ! plan          
adm9i/rator receives notice describ$ 9  
subclauses 7,i7 or 7,,ii7 ( clause      
7iii73 7,i7 #ij-;day p]iod ) respect to 
a violation p]ta9+ to a plan t is n a   
gr\p heal? plan4  7,,ii7 #cj-;day p]iod 
) respect to a violation p]ta9+ to a    
gr\p heal? plan4  7,,iii7 #c-;day p]iod 

) respect to a violation ( a claim      
involv+ urg5t c>e z def9$ 9 section     
#befj4ejc-a7m77#a7 ( title #bi1 ,code ( 
,f$]al ,regulations 7z 9 effect z ( !   
date ( enactm5t ( ! ,consum] ,appeal    
,rights ,en=cem5t ,act74  7v7 ,patt]n or
 practice ( individual violations ,9    
addition to ! p5alties "u clauses 7iii7 
& 7iv71 9 ! case t ! ,secret>y det]m9es 
t a p]son or entity has engag$ 9 a      
patt]n or practice ( individual         
violations1 ! ,secret>y-- 7,i7 %all     
provide notice to ! plan ( ! int5t to   
assess a p5alty ) respect to ea*        
individual violation t occurr$ )9 !     
#c-ye> p]iod end+ on ! date t su* notice
 0 provid$1 unless ea* su* individual   
violation has be5 correct$2  7,,ii7 )   
respect to ea* individual violation1    
%all assess a p5alty n less ?an #ajj & n
 great] ?an #a1jjj = ea* day ea* su*    
violation dur+ su* p]iod 0 n correct$   
foll[+ receipt ( ! notice by !          
,secret>y2 &  7,,iii7 may waive "s or   
all ( ! p5alties if ! plan corrects !   

violations )9 #abj days ( receipt ( !   
notice requir$ "u subclause 7,i74  7,c7 
,jo9t & sev]al liability ,any p]son or  
entity t mat]ially causes 7includ+ ?r\gh
 failure to p]=m requir$ actions7 a     
violation describ$ 9 subp>agraph 7,a7   
%all be jo9tly & sev]ally liable = !    
paym5t ( ! appropriate p5alty describ$ 9
 subp>agraph 7,b74  4  7c7 ,additional  
p5alty ,section #ejb7;g7 ( ! ,employee  
,retirem5t ,income ,security ,act (     
#aigd 7#bi ,u4,s4,c4 #aacb7;g77 is am5d$
 by add+ at ! end ! foll[+3  7#c7  7,a7 
,9 any action br\ght "u subsection      
7a77#e7 ) respect to a violation (      
section #ejc 7includ+ a violation (     
section #befj4ejc-a ( title #bi1 ,code (
 ,f$]al ,regulations1 z 9 effect on !   
date ( enactm5t ( ! ,consum] ,appeal    
,rights ,en=cem5t ,act7 or a violation (
 section #beij4gae-bgai ( title #bi1    
,code ( ,f$]al ,regulations 7z 9 effect 
on ! date ( enactm5t ( ! ,consum]       
,appeal ,rights ,en=cem5t ,act71 a c\rt 
may impose aga9/ any def5dant 7o!r ?an a

 plan71 z additional relief1 ! p5alties 
describ$ "u subsection 7c77#ad74  7,b7  
,a c\rt may n impose su* p5alties if !  
,secret>y has previ\sly assess$ a p5alty
 "u subsection 7c77#ad7 aga9/ su*       
def5dant = ! same violation4  7,c7 ,!   
,secret>y may n assess any p5alty "u    
subsection 7c77#ad7 aga9/ a p]son or    
entity if1 9 an action br\ght "u        
subsection 7a77#e71 a c\rt has impos$ a 
p5alty aga9/ su* p]son or entity = !    
same violation4  4  7d7 ,effective date 
,! am5dm5ts made by ?is section %all    
apply beg9n+ on ! date t is #ij days    
aft] ! date ( enactm5t ( ?is ,act4  #c4 
,direct ,en=cem5t ,au?ority  7a7 ,9     
g5]al ,section #ejb7;b77#c7 ( !         
,employee ,retirem5t ,income ,security  
,act ( #aigd 7#bi ,u4,s4,c4             
#aacb7;b77#c77 is repeal$4  7b7         
,effective date ,! am5dm5t made by ?is  
section %all apply beg9n+ on ! date t is
 #ij days aft] ! date ( enactm5t ( ?is  
,act4