APPENDIX C

OFFICE AND CLERICAL

The parties agree that in addition to the rights established in Article 1\vo, Section A (Recognition and Coverage), all Office and Clerical jobs previously performed by USWA members shall continue to be performed by USWA-represented Employees. To ensure adherence to this Agreement, in each plant where an Office and Clerical bargaining unit previously existed, a review shall be conducted in accordance with the following:

(a) Within ninety (90) days of the Effective Date, the parties at each plant shall meet at mutually agreeable times to review all non-represented jobs to determine whether such jobs should properly be included in the bargaining unit. In making such determination, the parties shall be guided by the practices under the predecessor company. Where jobs have been restructured, the guiding principle shall be whether the job is more nearly like a job that would have been included under the previous contract with the previous employer.

(b) Such review shall be completed no less than 120 days after the Effective

                     Date.

 

(c) A representative of the International Union, the Local Union President! Unit Chair or his/her designee and up to two (2) other representatives of the Local Union may participate in such a review. The Local Union representatives shall be afforded time off as may be required to participate in such meetings.

(d) The Company shall provide the Union with a list of all non-represented jobs, including the incumbents of such jobs, currently excluded from the bargaining unit.

(e) The Company shall produce a description of the duties, the job

        classification and the location of each excluded job.

(f) The review shall result in the determination of whether the jobs are properly excluded from the bargaining unit. If the parties are unable to reach agreement, the Union may file a grievance on such issue directly in Step 2 of the grievance procedure for determination. Should arbitration be necessary to resolve a dispute, the arbitrator shall decide the issue on the basis of the standard set forth in the above provisions.

(g) If it is determined that a job has been improperly excluded from the bargaining unit under the procedures provided herein, such job shall be placed in the bargaining unit.

PROGRAM OF INSURANCE BENEFITS
 

Section A. General

1. The Company and the Union shall execute an Insurance Agreement, which shall establish a Program of Insurance Benefits (PIB) for Employees and eligible dependents.

2. The PIB shall include the following types of benefits:

a. Medical Benefits

b. Prescription Drug Benefits

c. Dental Benefits

d. Vision Benefits

e. Life and AD&D Insurance

f. Sickness and Accident Benefits

a. The Medical, Prescription Drug, Dental and Vision benefits contained in

the PIB will be provided and administered, as of the Effective Date, by the Company. Beginning on a date no later than January 1, 2004 and continuing through the remaining duration of the Insurance Agreement, the Medical, Prescription Drug, Dental, and Vision benefits will be provided through the Steelworkers Health and Welfare Fund ("the Fund").

b. Sickness and Accident benefits, and Life/AD&D insurance will be provided and administered by the Company, except that the parties may at any time agree to transfer these benefits to the Fund.

 

c. Any benefits provided through the Fund will be identical (if not identical for any substantive reason, the parties will meet to conform such benefit Ito be substantially equivalent) to the benefits set forth in this PIB.

4. The terms of Sections B through E shall control over any provisions of the

summary plan descriptions or booklets distributed by the Company or I plan

administrators ("SPD's") that address such matters. Notwithstanding any language to

the contrary in those SPD's, the benefits or covered services described therein I shall

not be subject to amendment, modification or termination except as the Union and the

Company agree otherwise.                                                                                                                                                                                                                                                                                        I

5. The Company shall pay the full cost of the benefits of the PIB during the term of

the Insurance Agreement.                                                                                                                                                                                                                                                                                            I

6. The Company and the Union shall enter into a Participation Agreement covering

those benefits provided through the Fund. The Fund shall enter into group insurance

contracts with qualified insurance companies for the purposes of providing the

applicable benefits of the PIB. The Fund Board of Trustees shall have the exclusive

I

authority, in its sole and absolute discretion, to administer and interpret the PIB and

all other documents maintained in connection with the PIB, and to decide all matters arising in connection with the operation or administration of the PIB. The Fun~ will

issue a Summary Plan Description (SPD) to eligible participants.                                                             I

7. The Company shall make payments to the Fund in accordance with the terms of the Participation Agreement. The obligation of the Fund to maintain coverage shill be conditioned on timely receipt of required contributions from the Company. The f.wure

of the Company to make the required contributions to the Fund shall not relieve the

Company of it's obligation to pay the full cost of the benefits set forth in the PIB and the Insurance Agreement.
 

8. The Insurance Agreement shall become effective on the Effective Date and shall remain in effect until 150 days following the termination date of the Basic Uabor Agreement.

Section B. Effective Date of Coverage

Employees will become covered as of the Effective Date of the Insurance Agree~ent.

Newly hired Employees will become covered as of the first day of employPlent except for Sickness and Accident benefits, which will become effective following the completion of their probationary period.

Section C. Dependent Coverage

1. Dependent coverage will become effective on the same date as the Employee

becomes covered or the date the Employee acquires a dependent, if later. 2. The term "dependent" includes:

a. a spouse;

b. unmarried children under 19 years of age;

c. children after attainment of age 19 but not beyond age 25 if the child is a

full time student; and

 

d. children after attainment of age 19 while incapable of self-support because

      of disabling illness or injury.

Section D. Termination of Coverage 1. Non-Occupational Disability

Benefits under the PIB will be continued for the duration of an absence, up to a maximum of twelve (12) months from the end of the month last worked for Employees who have two (2) or more years of Continuous Service on the last day worked and up to a maximum of six (6) months from the end of the month last worked for Employee who have less than two (2) years of Continuous Service on the last day worked.

2. Occupational Disability

Benefits under the PIB will be continued for the duration of an absence, but not beyond one (1) month following the end of the month for which statutory compensation payments terminate; except that Sickness and Accident coverage will terminate:

a. at the end of twelve (12) months following the month last worked for Employees with two (2) or more years of Continuous Service on the last day worked, or

b. at the end of six (6) months following the month last worked, for Employees with less than two (2) years of Continuous Service on the last

                    day worked.

3. Layoff

If the Employee ceases work because of layoff, the following provisions will be applicable to coverage under the PIB:

a. Sickness and Accident coverage will terminate on the last day worked. b. For Employees with less than two (2) years of Continuous Service on the

last day worked, all other coverage under the PIB will be continued during such layoff up to a maximum of six (6) months from the end of the month last worked.

c. For Employees with two (2) but less than ten (10) years of Continuous Service on the last day worked, all other coverage under the PIB will be continued during such layoff up to a maximum of eighteen (18) months from the end of the month last worked.

d. For Employees with ten (10) or more years of Continuous Service on the last day worked, all other coverage under the PIB will be continued during such layoff up to a maximum of thirty (30) months from the end of the month last worked.

4. Suspension

Benefits will be continued as if the Employee were on layoff, except that Sickness and Accident coverage will be continued during a period of suspension which is not converted into discharge.

 

5. Leave of Absence

                  a. If the Employee ceases work because of a leave of absence, all coverage

                    under the PIE will cease at the end of the month last worked.

                          b. If the Employee ceases work due to authorized military duty, Medical,

                    Dental, Vision, Life, AD&D and Prescription Drug benefits coverage will

                    terminate as of the thirty-first (31st) day after the last day worked.

c. If the Employee ceases work due to authorized leave under the Family and Medical Leave Act, Medical, Dental, Vision, Life, AD&D, and Prescription Drug coverage will terminate upon expiration of the authorized leave,

                    unless the Employee returns to work at that time.

6. Termination of Employment

If employment is terminated by other than retirement, all coverage under the PIE will cease on the date of such termination.

7. Reinstatement or Re-Employment

If the Employee returns to work following an absence on account of layoff, leave of absence or disability during which some or all of the coverage under the PIE shall have terminated, all coverage under the PIE will be reinstated on the day the Employee retiIrns to work.

Section E. Continuous Service

Wherever the term Continuous Service is used herein, it means Continuous Service as determined in accordance with Article Five, Section EO) of the Basic Labor Agreement.

Section F. Summary of Medical Benefits

1. Medical benefits will be provided through a Preferred Provider Organization (PPO), which offers two (2) levels of benefits. Services from a provider who is in the PPO network will be covered at the highest level of benefits. Services from a provider who is not in the PPO network will be covered at the lower level of benefits. In either case, there is no requirement to select a Primary Care Physician (PCP) to coordinate care.

2. Refer to the Summary Plan Description (SPD) entitled "A Guide to Your Benefits" issued by Anthem Blue Cross and Blue Shield for a more detailed description of the benefit program. Following the transfer of medical coverage to the Fund, a revised SPD will be issued by the Fund to eligible participants.
     

Summary of Medical Benefits
 

Co-payments /Maximums

  
Covered Services Network Non-Network
Deductible
per Member
None
$300
per Family None $600
     

Out-of-Pocket Limit

(Includes all deductibles and/or co-payments, except prescription drug and human organ and tissue transplant copayments)

per Member

per Family



$1,000
$2,000



$2,000
$4,000

Lifetime Maximum

All covered services except human organ and tissue transplants Human Organ and Tissue Transplants

   $5,000,000
$1,000,000

Preventive Care

$15 co-payment per visit

30% co-payment

Physician Office Services

$15 co-payment per visit

30% co-payment

Inpatient Services

10% co-payment

30% co-payment

Outpatient Services

10% co-payment

30% co-payment

Emergency Care

$ 50 co-payment per visit

$ 50 co-payment per visit

Urgent Care

$35 co-payment per visit

$35 co-payment per visit

Ambulance Services

Covered in Full

Covered in Full
Mental Health Services    
Inpatient 10% co-payment 50% co-payment

Outpatient

$15 co-payment per visit

30% co-payment
ubstance Abuse Services    

Inpatient

10% co-payment

30% co-payment

Outpatient

$15 co-payment per visit

30% co-payment
     
Note: Plan includes additional benefit limitations and maximums on Mental Health and Substance Abuse services. Refer to Summary Plan Description for details.

Therapy Services

Maximum visits

physical and occupational therapy
speech therapy

spinal manipulations

 $15 co-payment per Visit                                                          30% co-payment
60 visits combined Network and Non-Network
20 visits combined Network and Non-Network
12 visits combined Network and Non-Network
Home Care Services 10% co-payment

30% co-payment

(30 visits per Benefit Period)
Hospice Services Covered in Full Covered in Full
Human Organ and Tissue Transplant Services Covered in Full, subject to Lifetime Maximum Lesser of 50% co-payment or 50% of Charge Maximum, subject to Lifetime Maximum
Medical Supplies, Durable Medical Equipment and Appliances 20% co-payment 40% co-payment
Maternity Services 10% co-payment 30% co-payment
 

 

Section G. Summary of Prescription Drug Benefits

1. Prescription Drug benefits are provided using an open prescription drug formulary through a network of national chain and local pharmacies and a mail order provider. Lower benefits are provided when prescription drugs are dispensed at a non-network pharmacy.

2. Prescription Drug benefits are not subject to the Medical plan deductibles, coinsurance or lifetime maximums. Refer to the Summary Plan Description (SPD) for a more detailed description of the Prescription Drug benefit plan.

Schedule Of Prescription Drug Benefits
 
Benefit Provision In-Network Out-of-Network
Prescription Drug Benefits    
Retail, Maximum Supply Up to 30 days Up to 30 days

Retail Prescription Co-payments (per Rx)

    
Formulary Generic $10.00

50% co-payment
Formulary Brand Non-Formulary Brand $20.00 50% co-payment
or Generic $30.00 50% co-payment
     
Mail Order, Maximum Supply Up to 90 days Not Covered
     
Mail Order Prescription Co-pay (per Rx)    
Formulary Generic $20.00 Not Covered
Formulary Brand Non-Formulary $40.00 Not Covered
 Brand or Generic $60.00 Not Covered
     

Section H. Summary of Dental Benefits

1. Benefit payments under the Dental plan are not dependent upon the use of a provider network. Dentists who participate in the insurance carrier's network will accept the carrier's reimbursement, subject to required coinsurance. Reimbursement to dentists who do not participate in the network will be based on a reasonable charge allowance, in addition to the deductible and coinsurance provisions of the plan.

2. Refer to the Summary Plan Description (SPD) for a more detailed description of the benefit plan.

Schedule of Dental Benefits
Benefit Provision Plan Coverage
Annual Deductible  
per Individual $25
per Family $50
Annual Maximum $1,000
Diagnostic and Preventive Services 100%
(not subject to the deductible) 80%
Primary Services

50%
Restorative Services 50%
Prosthetic Services 60%

Orthodontics

(Not subject to Annual Maximum)

Orthodontic Lifetime Maximum

 $1,000
 

Section I. Vision Benefits

1. Vision benefits are provided through the use of a national provider network. To receive the higher level of benefits care must be obtained at a network provider. H a non-network provider is utilized, reimbursement will be at the allowance amount and the Employee will be responsible for any difference between the provider's charge and the allowance amount.

2. Eye examinations, lenses and contact lenses are covered once every twelve (12) months for persons under age nineteen (19) and once every twenty-four (24) months for persons nineteen (19) years of age or older. Frames are covered once every twenty-four (24) months for all covered persons.

3. The Company and the Union will prepare a Summary Plan Description.

Schedule of Vision Benefits

 

Patient Responsibility

 

Service/Product

Allowance

In-Network

Out-of-Network

Eye Exam and Refraction

$32

$0

Provider Charge

Single VISion Lenses (standard)

$24

$0

Provider Charge

Bifocal Lenses (standard)

$36

$0

Provider Charge

Trifocal Lenses (standard)

$46

$0

Provider Charge

AphakiclLenticular Lenses

$72

$0

Provider Charge

Non-Standard Lenses

Same allowances

Difference between

Provider Charge

(e.g. photochromatic, polycarbonate)

as standard

charge and

 

 

 

allowance with

 

 

 

a 10% discount

 
       
Progressive Lenses $41

Difference between charge and allowance with

a 10% discount

 Provider Charge
Frames $24 $0 - up to $60 retail; Over $60 retail­patient pays the difference between $60 and charge Provider Charge
Contact Lens Fitting and Prescription $20 - Daily $30 - Extended $0 Provider Charge
Standard Contact Lenses $48 $0 Provider Charge
       

Section J. Summary of Life and AD&D Insurance

 

1. Life and AD&D Insurance to be administered by the Company.

2. Benefit Amount

a. The amount of active Life Insurance is $50,000.

b. The principal sum amount of AD&D Insurance is $50,000. The amount of

the principal sum paid is dependent upon the loss incurred.

                3. Optional Life Insurance.

Employees may purchase up to an additional $300,000 of optional life insurance, and up to $10,000 of dependent life insurance for a spouse and each dependent child, in accordance with the terms of the group insurance policy maintained by the Company.

Section K. Sickness and Accident Benefits

1. Sickness and Accident benefits to be administered by the Company.

2. The Company and the Union will prepare a Summary Plan Description of Sickness and Accident benefits.

3. Eligibility

An Employee is eligible for Sickness and Accident benefits:

a. if s/he is totally disabled as a result of sickness or accident and prevented

                    from performing employment duties as certified by a physician.

b. due to outpatient pre-admission testing prior to surgery if tests are within five (5) days of the hospital confinement and are not repeated during confinement and the Employee is not admitted before the day prior to surgery.

            c. if slhe is a donor of an organ or tissue requiring surgical removal of the

                    donated part.

4. Benefit Amount and Commencement

a. The weekly benefit amount will be equal to sixty percent (60%) of the Employee's Base Rate of Pay up to a maximum of forty (40) hours. The

      weekly benefit amount shall not exceed $400.                .

b. Benefits begin on the first (1st) day of a disability as a result of an accident or hospitalization, and on the eighth (8th) day of a disability as a result of sickness.

c. The weekly benefit will be reduced by:

   (1) any workers' compensation benefits received for the same disability

                  except for payments for hospitalization or medical expense or

 

allowances for loss or disfigurement in excess of the portion attributable to temporary total disability. If there is a dispute regarding entitlement to workers' compensation benefits, weekly benefits will be paid in accordance with arrangements included in the SPD.

(2) any primary disability benefits or unreduced old-age benefits under

          the Social Security Act except that no reduction will be made for:

                (a) primary old-age benefits for the first twenty-six (26)

                          weeks of Sickness and Accident benefits, or

                (b) primary disability benefits if the Employee will be able to

                          return to work within twelve (12) months.

                Weekly benefits will be paid without any reduction in

                accordance with arrangements included in the SPD.

5. Benefit Duration

         a. 1\venty-six (26) weeks for employees with less than two (2) years of

                    Continuous Service.

b. Fifty-two (52) weeks for employees with two (2) or more years of

Continuous Service c. One (1) day for outpatient pre-admission testing. d. Successive periods of disability separated by less than two (2) weeks of

        employment will be considered one (1) continuous period unless they

        arise from unrelated causes.

e. If an Employee completes two (2) years of Continuous Service between successive periods, benefits will be paid for up to fifty-two (52) weeks for the continuous period.