For example, PBGC usually does not insure plans offered by: PBGC does not insure defined contribution plans, which are retirement plans that do not promise specific benefit amounts at retirement, such as profit-sharing or 401(k) plans. The 2011 table was developed using the 417(e) segment rates for August 2010 (2.21%, 4.61% and 5.46% respectively) for plan years beginning in 2011 and the 417(e) applicable mortality table for 2011. Plans at least 60% but less than 80% funded may only pay lump sums (or other accelerated distributions) up to the lesser of (i) 50% of the present value of the benefit otherwise payable or (ii) the present value of the participant's PBGC maximum guarantee. Washington, DC 20024-2101. The Pension Benefit Guaranty Corporation insures and guarantees private sector workers' pensions. Explore Mercers latest thinking to see how were helping to redefine the world of work, reshape retirement and investment outcomes, and unlock real health and well-being. Click the link below to see a table of the maximum amounts that PBGC can guarantee for a straight-life annuity with no survivor benefits and a joint-and-50%-survivor annuity for ages 45-65. Only benefits that you have earned a right to receive and that cannot be forfeited (called vested benefits) are . The agencys two insurance programs are legally separate and operationally and financially independent. An official website of the United States government. Because the participant is older than age 65, no adjustment is required under 4022.23 (c) based on the annuitant's age factor. PBGC now insures over 33 thousand American work, retirees, and their families in private sector defining benefit pension plans. If you are uncertain whether your plan is still in operation, you can write to us at: Pension Benefit Guaranty Corporation Maximum to the former pension plans were defined benefit plans that paid employees a specification monthly benefit at retirement, finanziell entirely by workplace. These values apply to benefits with annuity starting dates in 2016. An official website of the United States government. (2)Distress termination. PBGC guarantees "basic pension benefits," subject to legal limits. If you are already receiving a pension, we will continue paying you without interruption during our review. A .gov website belongs to an official government organization in the United States. PBGC will pay benefits to your survivingbeneficiaryif you elected a benefit form that provides survivor benefits. You can get more information about tax-free rollovers by contacting your local Internal Revenue Service office, calling 1-800-TAX-FORM, or visitingwww.irs.gov. 445 12th Street SW PBGC allows all future retirees, whether married or not, to elect a benefit form that provides survivor benefits and to name a beneficiary at that time. For 2019, the PBGC's guarantee limit for the single-employer plan is spelled out here and in the table below. In addition, the benefit is decreased if participants begin receiving the benefit before . To find your table, you need to know the date your plan ended (called date of plan termination). Visit our Contact Us page for more information. A lock ( ) or https:// means youve safely connected to the .gov website. The 2018 table was developed using the 417(e) segment rates for August 2017 (1.93%, 3.57% and 4.36% respectively) for plan years beginning in 2018 and the 417(e) applicable mortality table for 2018. These values apply to benefits with annuity starting dates in 2015. Washington, DC 20024-2101, Log In to MyPBA (For Workers & Retirees)Log In to My PAA (For Practitioners)Multiemployer Insurance Program FactsAnnuity or Lump Sum, Annual ReportsFederal Register Notices Open for CommentLaws and RegulationsPBGC Data SetsReducing Regulatory Burden, For Workers & Retirees1-800-400-7242 PBGC's maximum guarantee is lower for plan members who have worked for fewer than 30 years. There is a separate table for each calendar year. Using 2013 data, PBGC estimated that 79% of participants in multiemployer plans that were receiving financial assistance receive their full benefit as earned in the plan (e.g., their benefits were below the PBGC maximum guarantee.) The pension benefit PBGC pays depends on: Your benefit may also be affected by the assets in your pension plan, and by the amount PBGC recovers in bankruptcy from your employer for plan underfunding. Social Security benefits payable in 2021 will increase by 1.3%, the Social Security Administration (SSA) announced Oct. 13 in updates that include the 2021 taxable wage base and the 2019 national average wage. Social Security benefits payable in 2023 will increase by 8.7%, the Social Security Administration (SSA) announced Oct. 13 in updates that include the 2023 taxable wage base and the 2021 national average wage. (Except Federal Holidays), Missing Participants (Standard/Distress Terminations Only), Federal Register Notices Open For Comment, ERISA Section 4044 Retirement Assumptions, Reportable Events & Large Unpaid Contributions, Your Guaranteed Pension: Single-Employer Plans. Washington, DC 20024-2101, Log In to MyPBA (For Workers & Retirees)Log In to My PAA (For Practitioners)Multiemployer Insurance Program FactsAnnuity or Lump Sum, Annual ReportsFederal Register Notices Open for CommentLaws and RegulationsPBGC Data SetsReducing Regulatory Burden, For Workers & Retirees1-800-400-7242 In 1875, the American Express Business established the first private pension plan in the United States, furthermore, shortly subsequent, utilities, banking and manufacturing companies also began till provide pensions. If you own more than 50% of the business, stricter limits apply. These values apply to benefits with annuity starting dates in 2014. 8:00 a.m. to 7:00 p.m. Eastern Time Monday Through Friday (Except Federal Holidays), For Employers & Practitioners1-800-736-2444 It is just backed by the federal . 8:00 a.m. to 5:00 p.m. Eastern Time Monday Through Friday Please go to PBGC.gov'sSpanish home page for more information available in Spanish. No. Congress gave PBGC a mission to: The corporation pays for monthly retirement benefits, up to a guaranteed maximum, for nearly 801,000 retirees in 4,200 single-employer and multiemployer pension plans that cannot pay promised benefits. The amount we pay is subject to limits set by law. Other guarantee limitations that may apply are described in the questions and answers that follow. Washington, DC 20024-2101, Log In to MyPBA (For Workers & Retirees)Log In to My PAA (For Practitioners)Multiemployer Insurance Program FactsAnnuity or Lump Sum, Annual ReportsFederal Register Notices Open for CommentLaws and RegulationsPBGC Data SetsReducing Regulatory Burden, For Workers & Retirees1-800-400-7242 If you chose an annuity that pays your beneficiary only for a fixed period of time (such as a certain-and-continuous annuity), upon your death we will pay any remaining benefits to your most recently named beneficiary. The values below apply to benefits with annuity starting dates in 2018. The maximum guarantee is lower for an individual who begins receiving benefits from PBGC before age 65; the maximum guarantee by age can be found on PBGC's website, www.pbgc.gov. Under the law, PBGC may take action and terminate a pension plan to protect the interests of the participants or the PBGC insurance program. Generally, PBGC does not guarantee any monthly pension amount that is greater than the monthly benefit your plan would have provided if you had retired at your normal retirement age. Under this circumstance, the maximum guarantee may be set as of the date the sponsor entered bankruptcy. If you have PBGC pay the lump sumdirectlyto your IRA or other plan, PBGC will not withhold tax from the payment. The .gov means its official. PBGC is a federal agency created by the Employee Retirement Income Security Act of 1974 (ERISA) to protect pension benefits in both single-employer and multiemployer private sector pension plans - the kind that typically pay a set monthly amount at retirement. With this type of payment, called a "tax-free rollover," you will not have to pay tax until you receive payments from the IRA or other plan. Our funding comes from (1) insurance premiums paid by companies whose plans we protect; (2) investments; (3) assets of pension plans that we take over as trustee; and (4) recoveries in bankruptcy from the companies formerly responsible for the plans. Yes. The maximum monthly PBGC guarantee for multiemployer plans is $35.75 per year of service, which means a participant with 30 years of service would receive, at most, a benefit of $1,072.50 per month. Once PBGC takes over a plan, we will notify you. As a rule of thumb, a safe allocation for those entering retirement is a 50-50 stock-and-bond mix, but Black-Scott says you can invest more heavily in stocks, since you have income to help you ride out down markets. In 2021, eligible participants can receive a. If you have not yet retired,we will pay you an estimated benefit when you become eligible and apply to PBGC to begin payments. Others, including cash-balance plans, may state the promised benefit as a single account balance, which may be paid as a lump sum or as an annuity. The PBGC pays pension benefits up to certain maximum limits. If your plan was created or amended to increase benefits within five years before the plan's termination date, your benefit may not be fully guaranteed. The 2023 table was developed using the 417(e) segment rates for August 2022 (3.79%, 4,62% and 4,69%, respectively) for plan years beginning in 2023 and the 417(e) applicable mortality table for 2023. (Except Federal Holidays), For Employers & Practitioners1-800-736-2444 After we have completed our review of all plan data and records, we will notify you in writing of your PBGC benefit and your right to appeal our determination. (3)Involuntary termination. In such a case, if you remarry after you retire, your new spouse usually will not be entitled to a survivor benefit. PBGC is a federal agency created by the Employee Retirement Income Security Act of 1974 (ERISA) to protect pension benefits in both single-employer and multiemployer private sector pension plans - the kind that typically pay a set monthly amount at retirement. These values apply to benefits with annuity starting dates in 2008. Tables of present values for every year back to 2008 are available on the PBGC website, along with downloadable Excel tables. These plans may involve one or more union. Additional limits may apply for certain airline industry plans. However, if the total value of your benefit is $5,000 or less, you may be able to receive it in a single payment. [If the Plan does not provide for commencement of benefits before age 65, you may omit this sentence.] Esta pgina no ha sido traducida. If your employer was in bankruptcy on that date, you also need to know the date your employer filed in court for bankruptcy protection. . As a result of the indexing rules provided by law, the maximum guarantee limits for single-employer plans that fail in 2022 will be 2.82% higher than the limits that applied for 2021. The maximal guaranteed benefit is $4,500 per month, or $54,000 per year, available in the form off a straight life annuity, in a 65-year-old person in a floor that terminates in 2009. . The PBGC doesn't actually have that guarantee money on deposit. The maximum guaranteeable benefit for plans terminating in 1992, the year of the proposed termination date, is $2,352.27 per month, payable in the form of a single life annuity at age 65. Restore full benefits for retirees in plans that previously had to take cuts and increase the maximum Pension Benefit Guarantee Corporation insurance amount; Require each plan that receives assistance file regular status reports with the PBGC and Congressional Committees, to prevent recurrence and protect retirees' benefits ### PBGC only withholds federal income taxes and certain court-ordered deductions. Payments The tracking are answer for getting about benefit choices currently available to participants who exist not yet retiree. PBGC is not funded by generaltaxrevenues. You have the right toappealour determination. #6197206v1/01576.021 5 : However, if your plan has not terminated and you have questions about whether your plan could terminate, contact your plan administrator. Por favor vaya a la pgina principal del sitio de espaol de PBGC para ver informacin disponible en espaol. The maximum guarantee, which increases each year, is adjusted for benefits commencing at ages other than age 65 in order to make the maximum guarantee equivalent in value regardless of the age at which a participant starts receiving benefits from the PBGC. Share sensitive information only on official, secure websites. If you became eligible for additional benefits as a result of an event such as the shutdown of a facility that occurred after July 26, 2005, and less than five years before your plan's termination date, the increase is not fully guaranteed. If you were disabled, before the applicable date, a Social Security Administration disability certification maybe required by PBGC. This section applies only to PBGC-trusteedsingle-employer plans. The maximum guarantee is higher if you are over age 65 when you begin receiving benefits from PBGC. Another PBGC program insures multiemployer plans covering unionized workers of non-related employers in the same industry, such as trucking or construction. Investing the money may also give you tax benefits. The Pension Benefit Guaranty Corporation (PBGC) is a government entity that pays pension benefits if a company cannot. PBGC does not have any specific information about your benefit. Aqualified domestic relations order (QDRO)also may affect benefit payments. Pension Benefit Guaranty Corporation [PBGC] [Official Guidance] Oct. 20, 2021 . PBGC benefits are limited to certain maximums and may not pay as much as someone would have received had their pension plan remained in effect. An employer canvoluntarilyapply for a distress termination if the plan does not have enough money to pay all pension benefits owed to participants. What are the maximum benefits that PBGC can pay? ERISA Section 4044 Retirement Assumptions; ERISA Teilgebiet 4044/4050 Low Graphical; Present Value of PBGC Maximum Guarantee; Reporting & Disclosure. A lock ( ) or https:// means youve safely connected to the .gov website. You might be able to choose either a 100, 75, or 50 percent. 3 The PBGC treats multi-employer plans differently. A joint-and-survivor annuity pays you during your lifetime and then continues to pay your spouse or other named beneficiary. The maximum guaranteed benefit is $4,500 per month, or $54,000 per year, payable in the form of straight life annuity, for a 65 year old person in a plan that terminates in 2010. If you are entitled to or are receiving a survivor benefit when your plan terminates, PBGC will pay or continue to pay your survivor benefit for the period provided by your plan. The single-employer program protects around 30 million of these American workers and around 22,000 of these pension plans. Legal Limits on PBGC's Guarantees Generally, PBGC does not guarantee any monthly pension amount that is greater than the monthly benefit your plan would have provided if you had retired at your normal retirement age. ADENINE U.S. Gov Agency. PBGC published the 2023 present value of the maximum guarantee table on Oct. 31. WASHINGTON, D.C. The Pension Benefit Guaranty Corporation (PBGC) announced today that it must approved the application submitted to the Special Finance Assistance (SFA) Program by the Excavating, Building Material, Construction Drivers and Course Track Employees IBT Local 436 Plan (Building Material Vehicle Local 436 Plan). We will be able to provide more specific information about your benefits after we have had an opportunity to review the plan's records, assets, benefit liabilities, and your participation in the plan. In most cases, this results in a higher estimate of underfunding. The 2012 table was developed using the 417(e) segment rates for August 2011 (1.85%, 4.62% and 6.02% respectively) for plan years beginning in 2012 and the 417(e) applicable mortality table for 2012. Attending Department of Labor Thomas E. Perez, Secretaries of Workload and Chair of the PBGC Board of Directors Phyllis C. Borzi, Deputy Secretary of Labor, Employee Benefits Security Administration Judy Mare, Deputy Assistant Secretary of Labor, Employee Benefits Security Enterprise Alli Khawar, Counselor to the Corporate, Department of Labor Hilary Duke, Division Boss, Office of Policy and . Similarly, the PBGC does not guarantee benefits above the normal retirement benefit, disability benefits not in pay status, or non-pension benefits, such If your pension plan is insured by PBGC, and it ends without sufficient money to pay all benefits, PBGC's insurance program will pay you the benefit provided by your pension planup to the limits set by law. About PBGC. View a two-column spreadsheet version of the 2020 table. Such plans are common in sectors where workers may have jobs with different employers within the industry over time, such as the transportation, construction, and hospitality industries. Your plan administrator must give you an annual written notice about the funded status of the plan. The maximum guarantee is increased if you begin receiving payments from PBGC after age 65. We do not guarantee health and welfare benefits, severance and vacation pay, life insurance, lump-sum death benefits, certain other death benefits, and other non-pension benefits. 8:00 a.m. to 7:00 p.m. Eastern Time Monday Through Friday Information on multiemployer guarantees is included on our Multiemployer FAQ page. Please go to PBGC.gov'sSpanish home page for more information available in Spanish. An employer canvoluntarilyend a pension plan only after showing PBGC that the plan has enough money to pay all benefits-owed to participants. The rules are the same regardless of type of bankruptcy, but they generally apply only if your plan has not emerged from bankruptcy before the date your plan ends. Additional limits may apply if the plan terminated while your employer was in a bankruptcy proceeding and for certain airline industry plans. The Electronic Code of Federal Regulations (eCFR) is a continuously updated online version of the CFR. The maximum guaranteed benefit is adjusted if benefit payments start before (or after) age 65 or are paid in a form other than a single-life annuity. Menu. The values below apply to benefits with annuity starting dates in 2023. Please go to PBGC.gov'sSpanish home page for more information available in Spanish. Website Pension Benefit Guaranty Corporation (PBGC) Contact Contact the Pension Benefit Guaranty Corporation Phone number 1-202-326-4000 1-202-326-4242 (Plan Sponsors, Administrators or Practitioners) Toll-free number 1-800-400-7242 there are three categories of termination: qualified domestic relations order (QDRO), Additional External Resources for Finding an Unclaimed Pension, Online Transactions: My Pension Benefit Access (MyPBA) FAQs, Federal Register Notices Open for Comment. The choices are explained on the Web pageYour PBGC Benefit Options. If your expected benefit was above that amount, you're out of luck. These payments are an estimate of the benefits that PBGC can pay under the insurance program. See Pension Benefit Guaranty Study, PBGC's Multiemployer Guarantee, March Your insured plan remains protected even if your employer fails to pay the required premiums. If you chose an annuity that pays a beneficiary only for a limited period of time (such as a certain-and-continuous annuity), upon your death, PBGC will pay any remaining benefits to your most recently named beneficiary. PBGC does not insure defined contribution plans, which are retirement plans that do not promise specific benefit amounts, such as profit-sharing or 401(k) plans. Lists that includes most plans that are insured by PBGC: pension benefits at normal retirement age. In adistress terminationor aninvoluntary termination(initiated by PBGC), our communication with you begins when we take over as trustee of your plan. Please note: The age reduction does not apply to certain disabled participants (see Guarantees for Disabled Participants). Benefits include: For more information, see General FAQs About PBGC. An official website of the United States government. These FAQs cover only single-employer plans, which are normally sponsored by an individual company for the benefit of its workers. These values apply to benefits with annuity starting dates in 2011. The maximum guarantee is lower if you begin receiving payments from PBGC before age 65 or if you receive your pension benefits in a form that provides benefits for a surviving spouse or other beneficiary. At see if PBGC took over your old benefit payments, see the full Trusteed Pension Plan List. In general, the relevant table is the table for the year in which your plan fails (i.e. Of plan, basis in. The 2016 table was developed using the 417(e) segment rates for August 2015 (1.68%, 4.05% and 4.98% respectively) for plan years beginning in 2016 and the 417(e) applicable mortality table for 2016. PBGC protects single-employer pension plans andmultiemployer pension plansin separate insurance programs. The formula provides lower amounts for younger ages because younger people are expected to receive more monthly pension checks over their lifetime. Retirement & PV Max Guarantee. This page has not been translated. This amount is determined using the Social Security "old law" contribution and benefit base (see Social Security and SSI amounts). This amount is adjusted annually for changes in the national average wage. Amultiemployer planis a plan that is created and maintained by two or moreunrelatedcompanies through collective bargaining. Under the 'Manage Cookies' option in the footer, accept the Functional cookies to allow the video to play. For certain disability benefits, special rules apply (see the following question). On Oct. 14, PBGC announced inflation-adjusted 2023 premium rates and the variable-rate premium cap. Yes, most traditional IRAs or other qualified retirement plans will accept your lump-sum payment from PBGC. These values apply to benefits with annuity starting dates in 2010. PBGC also does not guarantee benefits above the normal retirement benefit, disability benefits not in pay status, or non-pension benefits, such as health insurance, life insurance, death benefits, vacation pay, or severance pay. For a plan with a termination date or sponsor bankruptcy date, as applicable in 2021, the maximum guarantee is $6,034.09 per month, or $72,409.08 per year, for a benefit paid to a 65-year-old retiree with no survivor benefit. If you have not yet retired, we will pay you an estimated benefit when you become eligible and apply to PBGC to begin payments. A .gov website belongs to an official government organization in the United States. The 8.7% cost-of-living increase for 2023 Social Security benefits reflects the change in the third-quarter Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) from 2021 to 2022 and is the largest annual adjustment in more than 40 years. Although PBGC insures most defined benefit plans, some are not covered. Seniority & PV Max Guarantee. PBGC guarantees "basic pension benefits" as provided by your pension plan, subject to legal limits. The notice provides the following information: (1) how well your pension plan is funded; (2) the value of your pension plan's assets and liabilities; (3) how your pension plan's assets are invested; and (4) the legal limits on how much PBGC can pay if your pension plan ends. This Video is unable to play due to Privacy Settings. For example, PBGC will pursue this approach if the plan is unable to pay benefits to its participants. PBGC does not make cost-of-living adjustments (COLAs) to the benefits it pays. A .gov website belongs to an official government organization in the United States. ERISA Section 4044 Retirement Assumptions; ERISA Section 4044/4050 Mortality Tables; Present Value of PBGC Maximum Guarantee; Reporting & Disclosure. Secure .gov websites use HTTPS Others, including cash-balance plans, may state the promised benefit as a single value. Federal Register/Vol. PBGC guarantees most of these benefits and it is rare for plan assets to run out in PC2. Click here to learn more about thepriority categories. If a defined benefit plan is terminated with insufficient funds to pay all promised benefits, the PBGC has authority to assume trusteeship of the plan and to begin to pay pension benefits up to the limits set by law. Most defined benefit plans promise to pay a specified benefit; usually a monthly amount, at retirement for life. The Pension Benefit Guaranty Corporation (PBGC) announced on Oct. 20 that the guarantee limits for single-employer plans that fail in 2022 will be 2.82% higher than the limits that applied for 2021. The next table shows covered compensation amounts for individuals who have already reached Social Security full retirement age. As illustrated in Table 2, the PBGC maximum guaranteed amount for a retiree of age 65 when the plan terminates increased from $1,688 monthly in 1985, to $4,500 monthly in 2009 to account for inflation. You will have to pay separately any state taxes or other amounts (such as health insurance) now being deducted. If your estimated benefits have been higher than the amount you should be receiving, we will correct your future monthly payments to the final amount as calculated by PBGC. Thats why we are phasing out use of Social Security numbers when we communicate with our customers. For PBGC eligibilitya copy of the official letter from the PBGC stating they received a benefit paid by the PBGC or a copy of Form 1099-R, Distributions From Pensions, Annuities, Retirement or Profit-Sharing Plans, IRAs, Insurance Contracts, from the PBGC showing they received a benefit paid by the PBGC. This table shows Mercers projected 2023 amounts for individuals below Social Security full retirement age. Your spouse can begin this benefit as early as the date your plan permits you to retire, but typically no earlier than your 55th birthday. True As of what date is the PBGC max benefit determines? In 2016, the monthly max is $5,011.36 for a . (Except Federal Holidays), Missing Participants (Standard/Distress Terminations Only), Federal Register Notices Open For Comment, ERISA Section 4044 Retirement Assumptions, Reportable Events & Large Unpaid Contributions, Mortality, Retirement and PV Max Guarantee, Federal Register Notices Open for Comment, (1) 50% of the amount of the payment that would be paid if the restriction did not apply, or. If you have questions about your plan or benefits under a pension plan that is still in operation, contact your employer. PBGC dollar maximum ($5,607.9) or 2. In many ways, the PBGC is to private pension assets as the FDIC is to bank deposit assets. Yes. No. These values apply to benefits with annuity starting dates in 2013. The Pension Benefit Guaranty Corp. (PBGC) likewise has released inflation-indexed premium amounts for . Normally, we pay benefits in monthly payments for life rather than as a lump sum. PBGC is a federal agency created by the Employee Retirement Income Security Act of 1974 (ERISA) to protect pension benefits in private-sector defined benefit plans - the kind that typically pay a set monthly amount at retirement. every year, once PBGC starts paying your pension, the amount remains constant thereafter (just as the situation is now with Honeywell). In astandard termination, your plan administrator must send you a second letter describing the benefits you will receive, called theNotice of Plan Benefits. 445 12th Street SW Por favor vaya a la pgina principal del sitio de espaol de PBGC para ver informacin disponible en espaol. Yes. There is no cost-of-living adjustment under the law. You can find more information about thebankruptcy date rulehere. WASHINGTON, D.C. The Pension Benefit Guaranty Corporation (PBGC) announced today that it has approved the application submitted to the Special Financial Assistance (SFA) Program by the United Independent Union - Newspaper Guild of Greater Philadelphia Pension Plan (UIU-NPG Pension Plan). Pension Benefit Guaranty Corporation Summary and Introduction The Pension Benefit Guaranty Corporation (PBGC) is a wholly owned government corporation that insures the pension benefits of more than 44 million people. You can get more information about tax-free rollovers by contacting your local Internal Revenue Service office, calling 1-800-TAX-FORM, or visitingwww.irs.gov. The Department of Laborhas a Web page describing the effects of bankruptcy on your employee benefits. Share sensitive information only on official, secure websites. Learn more here. If you earned a pension benefit inbound a defined benefit plan the need help determining if you have unpaid pensions benefits from a quit plan, PBGC might live able go help. The maximum benefit that the PBGC guarantees is set by law. (2) the present value, determined under guidance provided by PBGC, of the maximum guarantee with respect to the participant under ERISA section 4022. These values apply to benefits with annuity starting dates in 2017. The maximum amount that PBGC guarantees is set each year under provisions of ERISA. As in a distress termination, PBGC becomes responsible to pay retirees their benefits, up to legal limits. Let's say your monthly benefit would have been $1,000 at age 65, but you retired at age 60 with $900 per month as your early retirement benefit plus $600 per month as a temporary supplement payable until age 62. If you're age 50 now, the maximum single benefit that is guaranteed is $2,362 per month. PBGC offers several benefit options to any participant who receives his or her first benefit payment on or after May 1, 2002.
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