Notice of Changes to Summary Plan Description

Letter to Participants
WARNING: LIMITATION UPON RELIANCE ON BOOKLET AND STATEMENT

SECTION I: ESTABLISHMENT AND OPERATION OF THE PLAN
A. Establishment Of Plan
B. Plan May Be Changed
C. Administration And Operation
D. Your Responsibilities

SECTION II: ELIGIBILITY FOR BENEFITS
A. Active Member Eligibility Rules
B. Retiree Member Eligibility Rules
C. Dependent Eligibility Rules
D. Plan Selection And Enrollment
E. Termination Of Eligibility

SECTION III: NON-COBRA CONTINUATION OF COVERAGE
A. Direct Self-payment
B. Temporary Disability Coverage
C. Family And Medical Leave Act
D. Continued Coverage While In Uniformed Service USERRA Rights

SECTION IV: COBRA EXTENSION COVERAGE
A. General Rules Of Coverage
B. Second Qualifying Event
C. Effect Of Medicare On Cobra
D. Cobra Period Not Counted For Retiree Coverage Eligibility
E. Notification Requirements For Disability Or Loss Of Dependent Status
F. Notification Requirements In The Event Of The Death Of A Member
G. Termination Of Cobra Coverage
H. Available Coverage Options
I. California Cobra May Extend Rights

SECTION V: HOSPITAL AND OTHER MEDICAL BENEFITS
A. Self-funded Indemnity Plan
B. Medical Plan Limitations And Exclusions
C. Special Rules-federal Mandate
D. Coordination Of Benefits
E. Benefits Advanced For Which A Third-party Is Responsible

SECTION VI: HEALTH MAINTENANCE ORGANIZATIONS

SECTION VII: SUPPLEMENTAL BENEFITS
A. Discount Prescription Drug Card Program
B. Dental Benefits (applicable To All Members And Dependents)
C. Vision Benefits (applicable To All Members And Dependents)
D. Member Assistance Program (applicable To All Members And Dependents)
E. Chemical Dependency Treatment Benefits
F. Mental Health
G. Death Benefits

SECTION VIII: LONG TERM DISABILITY BENEFITS
A. Eligibility
B. Apprentice Eligibility Rule
C. Limited Benefits Rule
D. Proof Of Total Disability; Definition
E. Successive Disabilities
F. Disability Benefit -- Amount Payable; Waiting Period
G. Termination Of Benefits
H. Exclusions
I. Benefits Improperly Paid

SECTION IX: CLAIMS FILING AND APPEAL PROCEDURES
A. How To File A Claim
B. Claims And Appeals Procedures
C. Notice Of Claim Denial

SECTION X: GENERAL PROVISIONS
A. Construction
B. No Vested Right
C. Facility Of Payment
D. Available Assets For Benefits
E. Incompetence Or Incapacity
F. Gender And Number

SECTION XI: POTENTIAL LOSS OF BENEFITS
A. Inadequate Or Improper Evidence
B. Prohibited Employment In The Electrical Industry
C. Failure To File Complete Enrollment Cards For Yourself Or Your Dependent
D. Incomplete Information/false Statements
E. Third-party At Fault/subrogation Claims
F. Work-related Injuries
G. Right To Recover Claims Paid Or Offset Future Claims
H. Plan Exclusions
I. Plan Termination

SECTION XII: PLAN INFORMATION AND YOUR RIGHTS UNDER ERISA
A. Name Of Plan
B. Type Of Plan
C. Plan Administrator
D. Type Of Administration
E. Legal Process
F. Organizations That Receive Premiums
G. Method Of Funding
H. Claim And Appeal Procedures
I. Fiscal Year (plan Year)

SECTION XIII: STATEMENT OF ERISA RIGHTS
A. Your Rights Under Erisa
B. Prudent Actions By Plan Fiduciaries
C. Enforcing Your Rights
D. Assistance With Your Questions

SECTION XIV: DEFINITIONS