DENTAL PLAN:

             Eligibility
           Deductible and Co-Insurance Percentage
           PBA
           Summary Plan Description
           Bargaining Unit Dental Plan Amendment 01.01.08
           Dental Claim Forms 
           Premium      

Eligibility
Full-time employees working at least 32 hours a week are entitled to the dental plan. An Employee will be covered under the Plan the date that the Employee begins working 32 hours a week.

Dependent coverage will take effect on the day that the Eligibility Requirement is met. A dependent is consider an employees spouse or child. (See the Summary Plan Description for the definition of a dependent.)

Deductible and Co-insurance Percentage
The dental insurance included a $25 deductible for single coverage and $75 for family coverage per calendar year.

Co-insurance varies according to the type of treatment. There is no cost for preventative care once every six months. Basic Services are covered at 80%, after the deductible. Major Services are covered at 50%, after the deductible. Orthodontic Services are available to Dependent Child to age 19. Orthodontic Services are covered at 50% after the deductible with a lifetime maximum benefit of $1,000.

Premium
The cost of coverage is included in the health care premium.

Please Note: There is no Preferred Provider Program for dentists. Therefore participants may select a dentist of their choice.

PBA is Palmer’s third party administrator for the Dental Plan.