Introduction

To All Plan Participants From the Board of Trustees

We are pleased to provide you with this updated Summary Plan Description booklet which explains your Lineco Plan of Benefits and provides other important information about your Plan. This booklet includes changes and improvements that have been made in your Plan since the previous booklet was printed. Both you and your spouse should read this booklet and keep it for future reference. It is especially important that you understand this Plan's special programs and features. Please see To Get the Most Out of Your Plan below and the Special Plan Features section on page 12.

Sincerely,
Board of Trustees
Line Construction Benefit Fund

A complete list of the Board of Trustees starts on page 101.

To Contact the Fund

To Write to the Board of Trustees - Send your letter to: Board of Trustees, Line Construction Benefit Fund at the address shown on the inside front cover.

To Write to the Fund Office - Send your letter to the Line Construction Benefit Fund at the address shown on the inside front cover.

To Get the Most Out of Your Plan

Visit the Lineco Website: www.lineco.org
- View your eligibility and hours history.
- View claims history.
- View dependent information.
- Change your address.
- Follow links to PPO networks, the MAP and VSP.
Use Preferred Providers
- For treatment of substance abuse and mental or nervous disorders, use facilities and doctors in the ValueOptions Provider Network.
- For all other medical conditions, use hospitals and doctors in the Blue Card PPO Network.
- Use dentists in the Dental Network of America.
- Use hearing care providers in the HearPO network.
Use the Mail Service Pharmacy. See pages 56-57 for more information.
Call for Precertification
- Call ValueOptions for precertification of all inpatient or outpatient treatment for substance abuse and mental or nervous disorders.
- Call Medical Cost Management (MCM) for precertification of all other medical hospital admissions.
Call the Lineco Member Assistance Program (MAP) for free, confidential counseling and referral for a wide range of personal, emotional, work and family problems.
Call MCM to participate in the Prenatal Care Program. See page 51 for more information.
File Claims Correctly and on Time. Follow the procedures described in How to File Claims on page 13.

Information About This Summary Plan Description

This booklet is intended to give you a summary of the benefits and provisions of the Plan Document which sets forth the Plan of Benefits adopted by the Trustees. If there is any discrepancy between the information in this summary and the provisions of the Plan Document, the provisions of the Plan Document will take precedence.

No employer or union nor any representative of any employer or union, in such capacity, is authorized to interpret this Plan nor can any such person act as agent of the Trustees. If you wish any information regarding this Plan, such information must be communicated to you in writing signed on behalf of the full Board of Trustees either by the Trustees or, if authorized by the Trustees in writing, signed by the Fund Administrator.

This booklet may not accurately describe benefits to which you may currently be entitled. Notices of any changes will be sent to each known participant's last known address within the time required by applicable regulations. However, changes may take effect before you are notified of a change. Before incurring any nonemergency expense, contact the Fund Office to confirm your current entitlement to coverage.

Trustee Interpretation, Authority and Right

The Board of Trustees has full authority to interpret the Plan, all Plan documents, rules and procedures. Their interpretation will be final and binding on all persons dealing with the Plan or claiming a benefit from the Plan. If a decision of the Trustees is challenged in court, it is the intention of the parties that such decision is to be upheld unless it is determined to be arbitrary or capricious.

The Trustees have the authority to change the eligibility rules and other provisions of the Plan, to amend, increase, decrease or eliminate benefits, and to terminate the Plan, in whole or in part, at any time. All benefits of the Plan are conditional and subject to the Trustees' authority to change or terminate them. Benefits under this Plan will be paid only when the Board of Trustees or persons delegated by them decide, in their sole discretion, that the participant or beneficiary is entitled to benefits. The Trustees may adopt such rules as they feel are necessary, desirable, or appropriate in the exercise of their fiduciary duty, and they may change these rules and procedures at any time.

The right to change or eliminate any and all aspects of benefits provided for eligible retirees and their dependents is a right specifically reserved to the Trustees, since the Retiree Benefits are not accrued or vested benefits. The Trustees may reduce Retiree Benefits, increase self-payments for the benefits, or completely terminate such benefits at any time. Such a change will be effective even though an employee has already become an eligible retiree.

The Trustees intend that the Plan terms, including those relating to coverage and benefits, are legally enforceable and that the Plan is maintained for the exclusive benefit of the participants and beneficiaries.

AN IMPORTANT NOTE ABOUT RECIPROCITY: The IBEW uses the Electronic Reciprocal Transfer System (ERTS) for reciprocity transfers. If you want Lineco to be your home fund when you travel outside of Lineco's jurisdiction, you should register with ERTS at any IBEW Local Union office. You cannot be given proper credit for your reciprocity hours until you register with ERTS.