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TYPE OF COVERAGE:

Generally, you can elect to receive the same type of coverage you had
immediately prior to the qualifying event. However, during any "open enrollment" period
in which active employees may change coverage, you also may change coverage. In
addition, your benefits will change if the Fund’s benefit plans change.

Maximum Coverage Period

You may elect to continue coverage up to a maximum period as follows:

1. Up to 18 months from the date coverage is lost in the event of the
   employee’s termination of employment, a reduction in working hours or
   resolution of an employee’s grievance arbitration provided you were not
   reinstated during that time, unless (2) applies; or

2. Up to 29 months if the employee is found by the Social Security
   Administration to have been disabled within sixty (60) days of the date he
   or she terminated employment, but only if the disabled person notifies the
   Plan Administrator of the determination within 60 days after he or she
   receives it and before the end of the 18 month coverage period in (1); or

3. Up to 36 months in all other cases.

4. If you have elected continuation coverage following a termination of
   employment, reduction in hours, or resolution of grievance arbitration, and
   a second qualifying event occurs, your total period of continuation
   coverage may last up to 36 months from the date coverage would have
   been lost on account of the employee’s termination of employment or
   reduction in hours.

NOTE: COBRA Continuation Coverage begins on the date you otherwise would lose
your medical coverage.

COST OF CONTINUATION COVERAGE:

You must pay for COBRA coverage. The charge for the coverage is equal
to the Fund’s cost of providing group coverage plus two percent. The two percent
charge covers a portion of the Fund’s cost to provide you this coverage. If there is an
increase or decrease in the Fund’s cost, your future premiums will be adjusted
accordingly.

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