Any person employed under a Collective Bargaining Agreement which contains a fringe benefit provision for M.R.A. contributions shall have the contributions credited to his/her individual Medical Reimbursement Account (MRA).

Any eligible Participant’s MRA will grow solely with the contributions that are made to it. The account will be decreased by any benefit distribution made from it. No more will be paid out to a Participant (or his beneficiary) under this benefit than has come into his MRA by way of contributions made on his work or initial allocation.

Once a Participant’s MRA is reduced to zero, a Participant will cease to be considered a Participant in this benefit.

LIMITATION ON BENEFITS – MRA

Under no circumstances may any money be drawn from an MRA once the balance of an MRA has reached zero.

BENEFITS

If You incur health care expenses, including payment made for COBRA coverage or other payments required to continue Your Fund coverage for Yourself, Your spouse or Your dependent children, and such expenses are not covered under one of the other coverages of the Fund, You may apply for a distribution from Your MRA to pay for the uncovered bills. Claims may be submitted only in the months of November and December.

FORFEITURE OF MRA

In the event a Participant has satisfied the general Fund eligibility requirements, Your participation in the MRA benefit will stop two (2) years after termination of a Participant’s health and benefit coverage from the Fund.