Disability Continuation

DISABILITY CONTINUATION PROVISIONS

Coverage shall be extended during a total disability which occurred while the Employee was eligible for Health & Welfare benefits for the maximum period of time allowed below but in no event shall such coverage be better than those benefits that the employee was eligible for. (based upon the hours of employment for which contributions were made on the employee’s behalf by Contributing Employers.)

1. Disease or Injury Resulting From Employment. The employee and his eligible Dependents shall continue to be covered for up to six(6) consecutive months without the requirement to self-pay provided:

     a. the employee is disabled for a minimum of one month;

     b. the employee shall receive one month of disability extension for each month during which he is disabled for more than one-half the number of days in that month up to a maximum of six (6) consecutive months;

     c. coverage shall not be continued past the date the employee recovers from his disability;

     d. the employee assigns his/her rights to Workers Compensation benefit reimbursement to the Plan for those benefits which are paid by the Plan as a result of an occupational injury. The Plan will have the right to subrogate all paid occupational injury claims against the employee’s workers compensation insurer, the employer, or any other third party responsible for the illness or injury.

2. Disease or Injury Resulting from a Non-Occupational Cause. The employee and his eligible Dependents shall continue to be covered for up to three(3) consecutive months without the requirement to self-pay provided:

     a. the employee is disabled for a minimum of one month;

     b. the employee shall receive one month of disability extension for each month during which he is disabled for more than one-half the number of days in that month up to a maximum of three (3) months;

     c. coverage shall not be continued past the date the employee recovers from his disability;

     d. the employee assigns his/her rights to collect reimbursement for medical expenses of employee/dependent resulting from bodily injury caused by a third party.