Participants and beneficiaries are entitled only to benefits described in the Plan document. If you receive a payment that you know, or should know, is not owed to you by the Plan, you must notify the Plan Office of the overpayment and make arrangements to repay the improper payments to the Plan. The Plan has the right to reduce or offset future benefits payable to you to recover the overpayment, unless other satisfactory arrangements are made. The Board is authorized to take any necessary and reasonable action to recover overpayments, including withholding up to 25% of your monthly pension payment until the overpayment (plus interest, attorney fees and costs) is repaid. The Plan may file a claim against your estate or any other person or entity if amounts are still owed at your death. Any amounts owed by a Participant to the Plan will be deducted from any death benefits that may be payable at the time of the Participant's death.