Health and Welfare Summary Plan Description

6.5 Retiree's and Retiree Dependents' Opt-Out and Re-Enrollment Right.

If you are a Disabled or Regular Retiree or a Dependent of a Retiree who wishes to dis-enroll from coverage under the Plan, you may exercise a one-time option to dis-enroll from Plan coverage with a right to re-enroll during a subsequent rolling open enrollment opportunity, provided you submit evidence of minimum value, minimal essential, coverage (as defined under the ACA) continuously for the twelve-month period immediately prior to re-enrollment in the Plan.

Pension Plan Rule of 85. Any retiree who satisfies the Pension Plan rule of 85 as of retirement date (or re-retirement date for any participant who satisfies the rule of 85 after working in Prohibited Employment) will be allowed to opt out of coverage for one continuous period of any length through the month in which the retiree attains age 62, provided that the retiree can demonstrate continuous group or individual minimum essential coverage, of at least minimum value, from retirement (or re-retirement) date until age 62 for all family members for whom retiree coverage is to be provided.