About Your Benefits -- Eligibility

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Eligibility

For You

If you are under age 65 and are retired under the Company’s pension plan, you are eligible for the following benefits:

Medical (including prescription drugs and vision care)
Dental
Long Term Care Insurance
Basic Life Insurance (provided you had this coverage immediately prior to retirement)
Supplemental Life Insurance (provided you had this coverage immediately prior to retirement and you were a salaried employee who retired prior to 2-1-2001 or an hourly employee who retired prior to 8-1-2001)
Pension Plan
Savings Program (provided you have a deferred account balance).

If you are over age 65 and are retired under the Company’s pension plan, you are eligible for the following benefits:

Major Medical Medicare Supplement Plan (provided you are enrolled in Medicare Part A and Part B and had employer-provided medical coverage immediately prior to age 65)
LongTerm Care
Basic Life Insurance (provided you had this coverage immediately prior to retirement)
Supplemental Life Insurance (provided you had this coverage immediately prior to retirement and you were a salaried employee who retired prior to 2-1-2001 or an hourly employee who retired prior to 8-1-2001)
Pension Plan
Savings Program (provided you have a deferred account balance).

For Your Dependents

You may enroll your spouse and other Eligible Dependents for coverage, according to the following guidelines:

If you are over age 65 and your spouse is under age 65, you may continue to cover your spouse and other eligible dependents for medical (including prescription drugs and vision care) and dental coverage until your spouse reaches age 65.
If you are under age 65 and your spouse is over age 65, you may continue medical (including prescription drugs and vision care) and dental coverage on your spouse and other eligible dependents until you reach age 65.
If you and your spouse are over age 65, you may enroll your spouse in the Major Medical Medicare Supplement Plan as long as your spouse is enrolled in Medicare Part A and Part B and was covered under the Company’s or another employer's medical insurance plan immediately prior to age 65.
Your spouse is eligible to apply for long term care insurance at any age.

Eligible dependents include:

your lawful spouse
and
your unmarried children from birth through age 24 who are wholly dependent on you for support.

Children generally include your natural and adopted children and, in certain situations, may also include your stepchildren, foster children or other children who are wholly dependent on you for support and live with you in a regular parent-child relationship.

Medical (including prescription drugs and vision care) and dental coverage may be continued for an unmarried child who is incapable of self-support due to a physical or mental handicap that began before he or she reached age 24, provided you submit proof of the child’s disability to the insurance company within 30 days after the child reaches age 24. Additional proof of the child’s continuing disability will be required periodically. When your dependents are no longer eligible for health care coverage, they may be eligible to continue coverage for up to 36 months under COBRA. Refer to the Administrative Information section for information on COBRA.

The following chart provides a brief overview of the eligibility requirements for each benefit plan.

Eligibility... At a Glance
Benefit Plan	Who Is Eligible
	Retirees Only (Reardless of Age)	Retirees and Dependents Under Age 65	Retirees and Spouse Over Age 65
Medical (including Prescription Drugs and Vision Care)¹		X
Major Medical Medicare Supplement Plan (including Prescription Drugs)			X
Dental¹		X
Long Term Care		X	X
Basic and Supplemental Life Insurance²	X
Savings Program³	X
Pension Plan	X
¹If you are under age 65 and your spouse is over age 65, you, your spouse, and eligible dependents are eligible to continue medical (including prescription drugs and vision care) and dental coverage until you reach age 65. ²You are eligible for basic life insurance only if you had this coverage immediately prior to retirement. You are eligible for supplemental life insurance only if you had this coverage immediately prior to retirement and you were a salaried employee who retired prior to 2-1-2001 or an hourly employee who retired prior to 8-1-2001. ³You are eligible to continue your participation in the savings program only if you have a deferred balance; you may not make contributions to the savings program after retirement.

Last updated: Thursday April 21 2005

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