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HEALTH & WELFARE FUND
     Eligibility Requirements
      Effective July 1, 2006

Initial Eligibility

You will become eligible on the first day of the Month following a period of not more than 12 consecutive months during which at least 500 hours of contributions were paid to the Fund for you by one or more Contributing Employers.

When Coverage Begins

Your benefits start on the first day of the Month after you meet the initial eligibility requirements. You will remain eligible until you fail to meet the requirements for "Continued Eligibility" as discussed below.

Continued Eligibility

After you have met the initial eligibility requirements, in order to continue your eligibility in later Benefit Quarters you must have at least 250 hours of contributions paid for you by Contributing Employers in a Calendar Quarter as outlined in the schedule below:

If you do not receive credit for at least 250 hours of contributions in a Calendar Quarter, you may remain eligible for benefits if 1,000 hours of contributions have been paid to the Fund for you by Contributing Employers over a 15-month period based on the following schedule:

However, if you are employed by an employer who is no longer signatory to a Collective Bargaining Agreement or Participation Agreement requiring contributions be made to this Fund, you will lose all accumulated hours.

Continued Eligibility During Disability Periods

For each full week that you receive Weekly Loss of Time Benefits as shown on page 62, you will be credited with 25 hours to maintain eligibility. If Loss of Time Benefits are paid for less than a full week, a pro rata number of hours will be credited to you.

Reinstatement Of Eligibility Following A Disability

If your eligibility is terminated and you remain within the jurisdiction of a Local Union that participates in the Fund, but you are unavailable for work due to total disability, your eligibility will be reinstated on the first day of the Benefit Quarter following any Calendar Quarter in which you worked and had employer contributions paid to the Fund for at least 250 hours if you return to Active Work immediately after your total disability ceases.

Reinstatement Of Eligibility

If you lose eligibility for benefits because you did not have the required hours of contribution, you may regain eligibility on the first day of the Benefit Quarter following any Calendar Quarter in which contributions for at least 250 hours are made on your behalf by contributing employers.

You must once again meet the "Initial Eligibility Requirements" to regain eligibility if your eligibility is terminated and:

• Is not reinstated within four consecutive Benefit Quarters because you leave the jurisdiction of a Local Union that participates in this Health and Welfare Trust Fund; or