1. If You are 65 years or over, or if You qualify at an earlier age under one of the special provisions of the Medicare law (such as Social Security Disability pensioners), You are
   eligible for Social Security health benefits – Medicare. The same rules apply to Your spouse.
2. To be sure that You are eligible for Medicare benefits as soon as You reach age 65, You must register for Medicare Benefits at Your local Social Security Office within the 3 months before Your 65th birthday, whether or not You expect to continue to work after 65. No benefits will be paid for expenses incurred to the extent those expenses would have been reimbursable through Medicare Part A. If you are retired, no benefits at all will be paid for under the Fund unless You are covered under Part B of Medicare.
3. Medicare Hospital Insurance (Part A) is provided without cost to You and helps pay Your hospitalization services.Medicare Medical Insurance (Part B) is provided at a monthly premium cost to You and helps pay for doctor’s services and many other health care services. Medicare does not provide nor was it designed to accomplish total and complete protection.THE FOLLOWING ARE MODIFICATIONS TO THE PLAN OF BENEFITS SPECIFICALLY FOR THE MAINTENANCE AND TELECOMMUNICATIONS JOURNEYMEN AFFECTED BY THE MAY 12, 2008 CIR DECISIONS. THE FOLLOWING BENEFITS ARE IN ADDITION TO ALL OTHER PREVIOUSLY STATED PLAN B BENEFITS:

CLASSES ELIGIBLE FOR COVERAGE

As per the May 12, 2008 Council on Industrial Relations Decision (CIR), all Eligible Retired Maintenance and Teledata Journeymen who have earned 15 or more years of IBEW Local 25 Pension Fund eligibility prior to April 30, 2011.

CLASSES NOT ELIGIBLE FOR COVERAGE

As per the May 12, 2008 Council on Industrial Relations Decision, retirees, other than Retirees receiving a Disability Pension, who have been disabled prior to retirement, are not eligible for
Dental coverage. Disability pensioners will receive Dental Coverage only up to age 62.

QUALIFICATIONS FOR RETIREE COVERAGE

Upon retirement, those eligible Teledata and Maintenance Journeyman wireman shall be entitled to the health care benefits available at that time.

In order to qualify for such retiree coverage, a Plan Participant who retires must have twenty-five (25) years of pension eligibility time in the I.B.E.W. Local 25 Pension Fund (Pension Fund). However, an active Plan Participant age 61 or older must have twenty (20) years of pension eligibility. Participants who receive a Social Security Total Disability Award dated October 1, 2008 or
thereafter must also have twenty (20) years of pension eligibility to be eligible for retiree coverage.

In addition, a retired Plan”B” Participant must have five (5) or more years of Fund Coverage under Plan”A” and/or Plan”B” within the jurisdiction of I.B.E.W. Local 25 within the 10-year period
immediately prior to retirement and five (5) or more years of Continuous Fund Coverage under Plan”A” and/or Plan”B” immediately prior to retirement, For the purpose hereof, Continuation of
Coverage (COBRA) payments will not be considered Fund Coverage.

RETIRED PENSIONERS – MAINTENANCE OF COVERAGE

The continuation of coverage charge for those eligible Teledata and Maintenance Journeymen is determined by the Trustees based on an annual review of expenses and income. As of January 1,
2008, the charge is set at 30% of the cost as determined by the Fund actuary.

RETIREE’S RETURNING TO COVERED EMPLOYMENT

In the event that a retiree makes himself available for work under the referral procedures of I.B.E.W. Local 25, such Plan Participant, in order to maintain his Fund coverage, must pay to the
Fund during the two months following each Benefit Coverage Period to make up the difference between his total clock hours worked in covered employment and 800 clock hours or a number of
clock hours worked as determined by the Trustees at the rate of the Journeyman’s average Fund contribution rate, as set forth in the applicable Local 25 Collective Bargaining Agreement.

WORKING RETIREES

In the event that a retiree becomes employed in reciprocal employment whereby he is eligible to continue to receive his I.B.E.W. Local 25 Retirement Benefits, such Plan Participant, in order to
maintain his Fund coverage, must pay to the Fund during the two months following each Benefit Coverage Period to make up the difference between his total clock hours, which will be determined
by dividing the reciprocal contributions received on the employee’s behalf by the average Journeyman’s contribution rate required under the applicable Local 25 Collective Bargaining Agreement, and 800 clock hours or a number of clock hours worked as determined by the Trustees at the rate of 100% of the Journeyman’s average Fund contribution rate, as set forth in the applicable Local 25 Collective Bargaining Agreement.

CHIROPRACTIC EXPENSE BENEFIT

Chiropractic Visits:
Maximum payable per Calendar Year	$ 400.00
Maximum payable per visit (1 per day)	20.00
Therapeutic Modality:
Maximum payable per Calendar Year	500.00
Maximum payable per modality	10.00
Diagnostic Treatment or Nuclear Medicine
Diagnostic Tests on Spinal Column Per Calendar Year	150.00
All of the above are Subject to a Combined Maximum per Calendar Year:
Per Covered Person	$ 1,050.00
Per Family	$ 2,000.00

TERMINATION OF COVERAGE, SPOUSE AND DEPENDENT CHILDREN

As per the May 12, 2008 Council on Industrial Relations Decision, if a retired Plan Participant, who retired on or after May 1, 2009, and was married at least five (5) years prior to retirement, coverage will be extended until;

• The surviving spouse remarries; or
• The Dependent child ceases to be eligible.