Health and Welfare Summary Plan Description

6.3 Rolling Open Enrollment.

This Plan has a rolling open enrollment arrangement which allows you to change benefit options anytime during the year, so long as you have not made an election change in the 12 months that precede the effective date of the change. Exceptions are available for those participants who move out of the Kaiser or Blue Shield HMO service area. In addition, special enrollment rules will still apply. (See Section 6.4) Be sure to enroll all of your Dependents when you first enroll. If you do not enroll a Dependent when you first enroll, your Dependent may later be enrolled only under the Special Enrollment provisions in Section 6.4 or in 12 months during a succeeding open enrollment opportunity.