Common use of Non-occupational Accident and Sickness Insurance Clause in Contracts

Non-occupational Accident and Sickness Insurance. (i) The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non- occupational sickness, except that in those cases of non- occupational sickness, which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. (ii) Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least 15 weeks of benefits, or until the employee is no longer disabled or retires, whichever comes first. (iii) Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. (iv) The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium

Non-occupational Accident and Sickness Insurance. (i) The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non- non-occupational sickness, except that in those cases of non- non-occupational sickness, which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. (ii) Weekly indemnity benefits which begin prior to . Benefit payment will not be made beyond age sixty-five (65) 65 and in all cases, will continue until the employee has received at least 15 weeks of benefits, or until the employee is no longer disabled or retires, whichever comes first. (iii) cease on recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. (iv) . The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium

Non-occupational Accident and Sickness Insurance. (i) The Welfare Plan will include Non-occupational Occupational Accident and Sickness Insurance that will provide a benefit of sixty percent (60%) of the employee’s regular job rate to the maximums in the following table. Date of Ratification $750.00 per week May 1, 2009 $800.00 per week May 1, 2010 $820.00 per week May 1, 2011 $845.00 per week NOTE: The increases effective May 1, 2010 and May 1, 2011 reflect the May 1, 2009 benefit being increased in accordance with the Tablegeneral wage increases effective on those dates. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non- non-occupational sickness, except that in those cases of non- non-occupational sickness, which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. (ii) Weekly indemnity Indemnity benefits which begin prior to age sixty-five (65) 65 will continue until the employee has received at least 15 fifteen (15) weeks of benefits, or until the employee is no longer disabled or retires, whichever comes first. (iii) . The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. (iv) The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium

Non-occupational Accident and Sickness Insurance. (i) The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non- non-occupational sickness, except that in those cases of non- non-occupational sickness, which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-fifty- two (52) weeks during any one period of disability. Only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. (ii) . Weekly indemnity benefits which begin prior to age sixty-five (65) 65 will continue until the employee has received at least 15 fifteen (15) weeks of benefits, or until the employee is no longer disabled or retires, whichever which ever comes first. (iii) . Benefit payment will not be made beyond age 65 and in all cases, will cease upon recovery. Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. (iv) . The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium

Non-occupational Accident and Sickness Insurance. (i) The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non- non-occupational sickness, except that in those cases of non- non-occupational sickness, which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Only one one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. . Benefits will be payable for a maximum of fifty- two (ii52) weeks during any one period of disability. Weekly indemnity benefits which begin prior to age sixty-five (65) 65 will continue until the employee has received at least 15 (15) weeks of benefits, or until the employee is no longer disabled or retires, whichever comes first. (iii) . Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. (iv) . The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premiumpremium The Weekly Indemnity Plan will provide benefits for loss of time as a result of attempted suicide under the Plan Provisions covering other mental illnesses. Coverage shall also include injury disability arising from attempted suicide.

Non-occupational Accident and Sickness Insurance. (i) The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-occupational accident and beginning with the fourth day of disability caused by non- non-occupational sickness, except that in those cases of non- non-occupational sickness, which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, for any subsequent lost time. (ii) Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least 15 weeks of benefits, or until the employee is no longer disabled or retires, whichever comes first. (iii) Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. (iv) The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium

Non-occupational Accident and Sickness Insurance. (i) The Welfare Plan will include Non-occupational Accident and Sickness Insurance in accordance with the Table. Weekly Indemnity benefits will be payable beginning with the first day of disability caused by non-non- occupational accident and beginning with the fourth day of disability caused by non- non-occupational sickness, except that in those cases of non- non-occupational sickness, which result in the claimant being hospitalized as a bed patient, and in those cases where surgery is performed which necessitates loss of time from work, the said Weekly Indemnity benefits will be payable beginning with the first day of sickness. , Benefits will be payable for a maximum of fifty-two (52) weeks during any one period of disability. Only one (1) waiting period will be required for serious illnesses which require kidney dialysis, chemotherapy, radiation or other similar recurring treatments. This will provide benefits, after the initial waiting period, . for any subsequent lost time. (ii) . Weekly indemnity benefits which begin prior to age sixty-five (65) will continue until the employee has received at least 15 weeks of benefits, or until the employee is no longer disabled or retires, whichever comes first. (iii) . the once of Where the employee recovers an amount from a liable third party for loss of income as a result of the same accident or illness, they must reimburse the Plan once they receive 100% of their loss. One hundred percent (100%) of their loss includes gross wages lost. (iv) . The premium structure for coverage of an employee over the age of 64 will be as follows: First three months 75% Second three months Third three months of Normal Premium Second three months 50% of Normal Premium Third three months 25% of Normal Premium Last three months No Premium