Eligibility	Once you use up your bank hours and lose coverage as an "Eligible Employee" you have the opportunity to enroll in the retiree coverage offered by the Plan on a self-pay basis. Vision, Accidental Death & Dismemberment, Time Loss, and Vacation benefits are not offered. Dental coverage is only available to retirees over age 65. Retirees must meet all of the following requirements: be retired under the Pension Trust have Covered Hours under the Welfare Trust in at least 12 out of the last 48 months before retirement under the Pension Trust (or, if not covered by the Pension Trust, 12 months out of the last 48 before his or her retirement from his or her Contributing Employer or Employers) make the required monthly self-payments have enrolled within 31 days of the retirement effective date under the Pension Trust To be covered you must also meet ONE of these criteria: be at least age 55 at retirement under the Pension Trust and have been credited with 20,000 hours in the Welfare Trust be disabled and at least age 52 at disabiliity retirement under the Pension Trust and have been credited with 40,000 hours in the Welfare Trust be at least age 50 at retirement under the Pension Trust under the Rule of 80 and have been credited with 20,000 hours in the Welfare Trust be at least age 50 at retirement under the Pension Trust and have been credited with 20,000 hours in the Welfare Trust and a combined total of years of vesting service in the Pension Trust plus age equaling 80 or more
Dependent Eligibility	Dependent spouses and children of retirees may also be covered under the Plan by making the required monthly self-payments. In the event of the death of the retired participant, (or of a pre-retiree who met the rules for retiree coverage), the participant's dependent spouse and children may continue to be covered by the Plan by making the appropriate election and monthly self-payments.
Working after Retirement	If you work after retirement at a job which provides health coverage or in any industry employing workers in the same trade or craft you worked in as an active participant, you and your dependents can not be covered by this Plan. Once you are no longer working as described, you may resume coverage with this Plan as a retiree, provided that you do so immediately and that any work after retirement in your former trade or craft was done under a Teamster collective bargaining agreement.
Benefit Differences from Active Participants
In General	Retiree health coverage is very similar to coverage for active participants. The following will summarize the main differences in the area of deductibles, out-of-pocket maximums, and Medicare rules.
Annual Deductible	Each Participant with Medicare - $200 Each Participant without Medicare - $2,000
Lifetime Maximum	$500,000
Annual Out-of-Pocket Maximum	Each Participant with Medicare - $1,500 Each Participant without Medicare - $6,000
Life Insurance Benefit	$5,000
Medicare Rules
Medicare Enrollment Required	You must enroll for Medicare parts A and B as soon as you are eligible to do so in order to get full benefits from this Plan.
Medicare Primary	Medicare is considered "Primary" for retirees and their families. This means that all medical bills are first submitted to Medicare for payment.
Plan Payment Calculation	The Plan is considered "secondary" to Medicare. After Medicare pays its portion and sends you an Explanation of Medical Benefits (EOMB) you will submit this with your claim to the Plan. First, the Plan will calculate what it would have paid in the absence of Medicare coverage. Then, the Plan will subtract the amount paid by Medicare and pay any remaining amount.
Retiree Rates by Category (effective 1/1/08)
Non-Medicare Eligible	$842.00 per month per individual
Medicare Eligible	$172.00 per month per individual
Children	$460.00 per month for all dependent children