YOU MUST ENROLL AND AGREE TO MAKE A MONTHLY PAYMENT

Even though you meet the eligibility requirements described in this Summary Plan Description, you and your eligible spouse are not automatically enrolled in the Retiree Health Plan.  You must elect coverage by authorizing the Pension Plan to deduct your cost of the Retiree Health Plan from your monthly pension check or by making a self-payment in accordance with the Section entitled "Required Monthly Pension Deduction/Self-payment".  If you do not elect coverage within the period specified in the Section entitled "Deadline for Enrollment in the Retiree Health Plan and When Coverage Begins", you will not be permitted to enroll for coverage in the Retiree Health Plan at a later date.

• Contact the Fund Office and request a Retiree Health Plan ("RHP") application form (Note: Retiree Health Plan coverage is not automatic and is a separate process from applying for your pension);


• Return completed RHP application form to the Fund Office.  Pension status and health hours history are reviewed and you will be notified if you meet eligibility criteria.  If eligible for participation, you will receive an enrollment form;


• Complete and return the RHP enrollment form indicating authorization to deduct the cost of RHP participation from your monthly pension benefit OR requesting monthly self-payment.  Self-payments must be received by the 15^th of the month immediately preceding coverage effective month.  (i.e. coverage month January, payment must be received by December 15^th);


• If you do not elect coverage at this election period offering, you will not be permitted to do so at a later date.

1.  Return to Covered Employment.  If a participant in the Retiree Health Plan returns to Covered Employment, such retired participant can resume coverage under the Retiree Health Plan at a subsequent retirement date.  Coverage under this plan must be elected within thirty days of the effective date of subsequent retirement.  If not elected, the right to participate in the Plan will terminate.  Benefits under the Retiree Health Plan will commence on the first of the month following the last month in which the participant is eligible under the Southern California IBEW-NECA Health Plan applicable to active employees.
   
   Remember to reinstate coverage upon a subsequent retirement under the Retiree Health Plan.  You are required on your subsequent retirement to sign a new Enrollment Form and Authorization for Deduction.  These signed forms must be received in the Administrative Office prior to the effective date of your subsequent pension effective date.  If you do not submit these signed forms within the time limit, you will not be allowed to re-enroll in the Retiree Health Plan at a later date.
   


2. Eligible Spouse.  To have your spouse covered by the Retiree Health Plan, you must be legally married on the effective date of your pension benefit under the Southern California IBEW-NECA Pension Plan, and elect spouse coverage in the Retiree Health Plan.
   


3. Effective January 1, 2005, if you subsequently remarry because of the death of your spouse or divorce, your spouse will not be eligible for retiree health coverage unless you enroll your spouse under this Plan by the end of the second calendar month following the date of marriage.  Coverage for your new spouse shall commence as of the first of the month following enrollment.  (For example, if a Participant marries any time during the month of January, he may enroll his new spouse any time through March 31; coverage shall commence on April 1, the first of the month following enrollment).  If applicable, your monthly self-payment will be adjusted based on the age of your new spouse.