WELFARE (ACTIVE PARTICIPANTS)

If you are unable to perform Covered Employment because of an injury, illness, or pregnancy, you will be eligible to apply for a weekly Disability Income Benefit. To be eligible for this Benefit, you must be under the care of a physician for such injury, illness or pregnancy, you must not be receiving a Disability Pension from the United Association Local No. 7 Pension Plan or any other pension plan, you must not be entitled to a Social Security Disability Pension Benefit, you must not be receiving unemployment benefits, and you must file your claim within 30 days after you become disabled. If you file late, you will not be paid for any disability period more than two weeks before the claim is filed. Late filing may be excused at the discretion of the Plan Administrator only if it is shown that it was not reasonably possible to file earlier. No benefits will be paid if you file more than 26 weeks after your disability begins. The amount of the weekly Disability Benefit is the lesser of 50% of your average weekly salary or $250 per week for the first 26 weeks, and the lesser of 60% of your average weekly salary or $350 per week for the remaining 14 weeks.

No more than 40 weekly Disability Benefit payments will be made for any one period of disability. Successive periods of disability due to the same or related cause(s) not separated by return to full time active employment for two (2) full weeks will be considered one period of disability.

Payments start with the first workday of your disability if your disability is due to an accident, and after seven days if due to illness or inability to work because of pregnancy. Payments of the Disability Income Benefit will be made once every two weeks.

The Life Insurance Benefit provides a Death Benefit to your designated beneficiary if you die while a Covered Participant in this Plan. The amount is $10,000 for Active members and $5,000 for Pensioners.

Under the Vision Benefit, you will be entitled to reimbursement for the cost of an eye exam, and one pair of prescription eyeglasses or contact lens package every year. The maximum amount of this Benefit is $400 every Plan Year (January 1 through December 31) per covered person over the age of 18.