Download PDF of SPD

Table of Contents

1. Download PDF of SPD
2. YOUR HEALTH and BENEFIT PLAN A EFFECTIVE PLAN YEAR 2014
3. CLASSES ELIGIBLE FOR COVERAGE
4. CLASSES NOT ELIGIBLE FOR COVERAGE
5. ELIGIBILITY FOR BENEFITS
6. CONTINUATION OF ELIBILITY
7. SELF-PAYMENT
8. CREDIT
9. METHOD OF PAYMENT
10. PLAN A COVERAGE/B CONTRIBUTIONS
11. NOT AVAILABLE FOR WORK
12. QUALIFICATIONS FOR RETIREE COVERAGE
13. RETIRED PENSIONERS – MAINTENANCE OF COVERAGE
14. RETIREE’S RUTURNING TO COVERED EMPLOYMENT
15. TERMINATION OF COVERAGE
16. DEFINITIONS
17. GENERAL EXCLUSIONS
18. SCHEDULE OF BENEFITS
19. HOSPITAL COVERAGE
20. SPECIAL CONDITIONS
21. MEDICAL BENEFITS
22. PRESCRIPTION DRUG PROGRAM
23. PRESCRIPTIONS BY MAIL
24. PRESCRIPTION DRUG COVERAGE AND MEDICARE
25. EMPLOYEE ASSISTANCE PROGRAM
26. ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS
27. DEATH BENEFITS (Stage 2)
28. DENTAL BENEFITS (Stage 2)
29. SCHEDULE OF COVERED DENTAL PROCEDURES
30. EXTENSION OF BENEFITS
31. PREFERRED PROVIDER ORGANIZATION DENTAL PLAN (P.P.O.)
32. VISION CARE BENEFIT FOR PARTICIPANTS (Stage 2)
33. EXCLUSIONS – VISION
34. HEARING CARE BENEFIT FOR PARTICIPANTS (Stage 2)
35. MEDICAL REIMBURSEMENT ACCOUNT
36. GENERAL PROVISIONS
37. MEDICARE
38. RIGHT OF RECOVERY
39. EXCLUSION OF BENEFITS RECOVERABLE UNDER THIRD-PARTY ACTIONS
40. NONASSIGNABILITY AND SPENDTHRIFT CLAUSE
41. CLAIM FILING INSTRUCTIONS
42. IMPORTANT NOTICE TO ELIGIBLE PARTICIPANTS ON CONTINUATION OF COVERAGE LAW (COBRA)
43. SUPPLEMENTAL UNEMPLOYMENT BENEFIT PROGRAM
44. SHORT TERM DISABILITY (LOSS OF TIME)
45. YOUR RIGHTS UNDER ERISA
46. SUMMARY PLAN DESCRIPTION
47. STATEMENT OF PRIVACY PRACTICES
48. STATEMENT OF ERISA RIGHTS
49. COMMUNICATIONS
50. PLAN INTERPRETATIONS AND DETERMINATION
51. CAUTION