Retirement Security Plan (RSP)

Click on the links below to view Retirement Security Plan (RSP) materials in PDF format. See the Plan Updates page for Plan notices mailed after these materials were printed.

Your Summary Plan Description

Together, the materials posted below provide all the information you need to use the Retirement Security Plan (RSP). Printed versions of these documents are provided to covered participants in a green folder called Your Benefits Package, technically known as a Summary Plan Description. If for some reason the online materials are incomplete or inconsistent with the printed Summary Plan Description materials, the printed versions will be controlling.

RSP Guide to Your Benefits (PDF coming soon) – This Guide explains how you become eligible for RSP coverage, how to make or appeal a benefit claim and your rights under federal benefits and privacy laws.

RSP Summary of Coverage (PDF coming soon) – This Summary explains the specific benefits, provisions and limitations that apply to your TBT Plan.

RSP Medical Benefit Comparison (PDF coming soon) – This Comparison helps you compare your Plan’s choice of medical options (including the TBT Indemnity Medical option and HMOs available at your location).

RSP Dental Benefit Comparison (PDF coming soon) – This Comparison helps you compare your Plan’s choice of dental options (including the TBT Indemnity Dental option and prepaid dental options available at your location).

Summary for Active Participants (PDF coming soon) – This Summary is a brief introduction provided to active participants for whom contributions are being paid into the RSP. It is also provided to bargaining units that are considering RSP participation. This brochure contains the Plan’s eligibility provisions and a brief overview of Plan benefits. If this material is incomplete or inconsistent with the Summary Plan Description posted above, the complete Summary Plan Description will be controlling.


You must notify the TBT Plan Administration Office of a divorce without delay (and provide the TBT Plan Administration Office with a copy of the final divorce decree). Coverage for your former spouse ends on the first day of the month after your divorce is final. If you delay and the Plan pays benefits for your former spouse, you will be responsible for paying back the overpayment to TBT. See the RSP Guide (PDF) (above) for more information.

Notice of COBRA Qualifying Event

If you already have RSP coverage, your covered spouse may have COBRA continuation rights and self-pay for COBRA coverage if one of the following “qualifying events” occurs:

  • You divorce, or
  • Upon your death (if you were married after you enrolled for Retiree coverage).

If you divorce while enrolled for RSP coverage, your ex-spouse may elect to pay for COBRA continuation coverage for up to 36 months from the date he or she loses coverage. See the RSP Guide and Summary of Coverage (above) for more information about COBRA coverage under your Plan.