MAXIMUM BENEFITS

A maximum benefit is the maximum amount of benefits the Plan will pay for a person for a particular type of treatment during his lifetime or, in the case of the Comprehensive Benefit lifetime and calendar year maximum benefits, for treatment of all injuries and sicknesses during his lifetime or during a calendar year, as applicable. Maximums apply even if the person’s eligibility is interrupted or if his status changes—for example, from dependent to employee status or vice versa, or from employee to retiree status.

Comprehensive Benefit Lifetime Maximum Benefit ($1,000,000)

This maximum includes all Major Medical benefits paid on a person’s behalf in the past under any previous major medical plans of the Fund plus all Comprehensive Benefits paid under the Plan in the past, currently, and in the future for treatment of all injuries and sicknesses during the person’s lifetime.

Restoration of Lifetime Maximum Benefit - On January 1 of each year, each person who is covered under the Plan on that date who has received any Comprehensive Benefits for covered medical expenses incurred during the previous year will have his remaining lifetime maximum benefit restored as explained below:

Comprehensive Benefit Calendar Year Maximum Benefit ($500,000)

This maximum includes all Comprehensive Benefits paid under the Plan for treatment of all injuries and sicknesses a person has during a calendar year.Once all Comprehensive Benefit payments on behalf of a covered person for all causes for charges incurred during a calendar year total $500,000, that person will not be entitled to any further payments under the Comprehensive Benefit for any cause for charges incurred during that calendar year. Amounts applied to a person’s Comprehensive Benefit calendar year maximum benefit apply in equal amounts to the person’s Comprehensive Benefit lifetime maximum benefit.

Other Maximums and Special Limitations

Additional lifetime maximums, calendar year maximums and special limitations apply to certain types of treatments and expenses. The Plan may also limit the amount payable, the amount allowable and/or the number of days or visits allowable. These limitations are specified on the Schedule of Benefits which starts on page 6.