Eligibility

Active Participants

To be eligible for benefits provided by the Trust Fund you must be a Panicipant. Participant means any person who is:

1. (a)Employed in Covered Employment by a Contributing Employer; (b) has accumulated a minimum of 300 hours of Covered Employment within a continuous 12 month period; and (c) meets the eligibility requirements below. Covered Employment is employment covered by a Collective Bargaining Agreement between IBEW 413 and the California Central Coast Chapter of NECA.

2. A Non Bargaining Unit employee pursuant to the terms of a recognized Collective Bargaining
Agreement as defined in the Trust Agreement, a Letter of Assent to such an Agreement, or a Subscription Agreement.

Dependents

1. Dependent means a:

Participant's spouse.
Partcipant's unmarried child (including a stepchild or legally adopted child) whether live birth or
placement for adoption until the date the child attains age 19. The term dependent also includes a participant's unmarried child who has attained age 19 while:
- a. the child is:
  - 1.) mentally or physically unable to earn his!her own living and proof of incapacity is furnished to the Trustees within 30 days of the date his/her coverage would have ended due to age; and
  - 2.) actually dependent on the Panicipant for a majority of his/her support; and
  - 3.) covered on the date just prior to the day his/her coverage would have ended due to age, or
- b. the child:
  - 1.) is enrolled in an accredited school, university or college as a full-time student as defined in the rules of such school: and
  - 2.) has not attained age 25.

The Trustees may require evidence of Dependent status such as a marriage license, birth certificate, student verification, and other such evidence as the Trustees determine is reasonable.

2. Adding New Eligible Dependents.

During the period you continue to have coverage, any new eligible Dependents you acquire may be added in accordance with the Eligibility for Dependents provisions, and any eligible Dependents you decline to enroll for coverage under the Plan may be added during any open enrollment period provided by the Plan. Coverage will begin immediately upon the date that open enrollment coverage commences for all Dependents without any preexisting condition limitations.

3. No new dependents added after retirement.

Dependents acquired after the Panicipants date of retirement shall not be eligible for benefits under this Plan. This rule will apply even if the participant returns to covered employment after such retirement.

Retirees

1. Retiree means a Participant who:

Has been eligible under this Plan or the predea:ssor plan (the Electrical Workers Area Health and Welfare Plan) as an active employee (Excluding Coverage Under COBRA) for 10 out of the last 15 years and two (2) out of the last five (5) years immediately preceding age 62 or a subsequent age (whichever is earlier for purposes of establishing eligibility); or

has attained age 62 and has less than 10 years of coverage under this plan or the predecessor plan ( the Electrical Workers Area Health and Welfare Plan), but has had continuous coverage under this plan or coverage under either plan since his/her inception date of work experience in the electrical industry; and has coverage at his/her retirement date.

2. Dependent Eligibility:

The Retiree and his/her Dependents shall be eligible to participate in the Retiree Health and Welfare benefits then in effect, if any. The Retiree's working dependent spouse shall have the option to delay enrollment until retirement or, if earlier, once becoming entitled to Medicare.

3. Enrollment in Medicare - Parts A & B Required:

If a Retiree is eligible for Medicare, the Retiree must enroll in both Part A (Hospital Insurance) and Part B (Medical Insurance) of Medicare. If a Retiree's spouse is eligible for Medicare, he or she also must enroll in both Part A and Part B of Medicare.
Please Note the Board of Trustees reserves the rigbt to modify, amend, or delete any benefits or eligibility for benefits, including Retiree benefits, at any time, and may incrtase the amount of self-payment required of the Retiree.

4. Retiree Self-Payments

A Retiree must make a monthly payment to the Trust to help cover the cost of the benefits provided. The amount of such payment is established by the Board of Trustees and may be changed at any time.

5. Disabled Retiree means a participant who:

Becomes totally disabled as defined below, prior to age 62, and has been eligible under this Plan or the predecessor Plan for 10 out of the last 15 years and two (2 )out of the last five (5) years immediately prior to disability retirement or, for those with less than 10 years of Plan participation, he or she:
Has participated in this Plan or the Area Health and Welfare Plan since inception of work experience in the electrical industry; or
Has coverage at his or her retirement date.

6. Early Retirement Direct Payment

If you have retired after reaching age 55 and prior to age 62, pursuant to the provisions of the Central California lBEW-NECA Pension Trust Fund, and have been eligible under this Plan or the Area Plan for 10 of the last 15 years and 2 of the last five (5) years immediately preceding retirement and have coverage at your retirement date, you may be permitted to make direct payment in order to maintain contin uation of coverage. The amount of such payment is set by the Board of Trustees and can be changed at any time.

For additional information about eligibility, please see your Summary Plan Description.