The Central States Fund and the New England Fund will very likely be in the “Yellow Zone” (also called endangered status) because they are less than 80 percent funded. A Yellow Zone Fund must develop a funding improvement plan. The union can bargain over its terms, so union leadership is critical to protecting members’ interests. In the case of Central States, the law actually provides some protection, in a strange way: the union trustees have already agreed to huge cuts in pension accrual, down to one percent of contributions. The law provides that no fund can ever pay less, so it is already at the legal minimum. Also, a plan in the Yellow Zone cannot raise benefits until its funding level improves. This makes it critically important to bargain increased employer contributions, bringing part-time UPSers and UPS Freight into the Central States Fund, and to step up organizing as well. A strong bargaining plan in the national contracts will be an important factor in ending pension accrual cuts, providing medical coverage to retirees, and protecting our pension plans. The other key is leadership from union trustees, who hold 50 percent control of the funds. Teamster trustees wield 50 percent control of the fund but have not used their authority to counter employers and defend members from benefit reductions.