[word=participants] [lemma=and] □
[word=participants] [lemma=and] [□]
[word=participants] [lemma=and] □?
" The Commission asked federal agencies to ensure that their programs reached participants and beneficiaries in rural and inner-city areas as well as underserved populations , such as African Americans , Asian Pacific Americans , Hispanic Americans , Native Americans , migrant and seasonal farm workers and their children , and women . The plan administrator advocates did not advocate less disclosure to participants and beneficiaries . We recognize that in some instances plan sponsors provide health benefits through a combination of group health plans , and that they may need to coordinate the operations of such plans to better serve the participants and beneficiaries of the plans . Ms. Signorille testified that SPDs need to be clear for all participants and beneficiaries in terms of eligibility rules , how to calculate the benefits and determine what the standard of review for claims denial is . If one were to aggregate this measure of Social Security wealth over all current participants and beneficiaries — that is current worker , retirees , and their beneficiaries — one should in theory generate a level of assets equal to the trust funds ’ closed-group liability or implicit trust fund debt ( $ 10.5 trillion as of December 31 , 2002 ) .