Approved Hospice - A private or public hospice agency or organization approved by Medicare or accredited by the Joint Commission on Accreditation of Hospitals.

Benefit Booklet - This booklet and any amendments, additions, or deletions hereto or subsequently made to the Plan.

Benefit Period - Claims incurred for services rendered January through December of a calendar year. A benefit period is established, and begins, when you have incurred during a calendar year, covered charges that exceed the deductible amount. All covered charges incurred during a benefit period are used in computing benefit payments. A benefit period terminates on the last day of the calendar year in which it was established.

Birthing Center - A freestanding facility meeting the following criteria:

1. Complies with applicable licensing requirements and maintains adequate levels of insurance;
2. Provides prenatal care, delivery and immediate postpartum care and has at least two beds or birthing rooms;
3. Is directed by at least one physician who is a specialist in obstetrics and gynecology;
4. Has a physician or certified nurse/midwife present at all births and during the immediate postpartum period;
5. Extends staff privileges to physicians who practice obstetrics and gynecology in an area hospital;
6. Provides full-time skilled nursing services in the delivery and recovery rooms;
7. Accepts only patients with low risk pregnancies;
8. Has a written agreement with a hospital in the area for immediate transfer of a patient or a child;
9. Provides a quality assurance program, including reviews by physicians who do not own or direct the facility; and
10. Is equipped and has a trained staff to handle medical emergencies and provide immediate support measures to sustain life if complications arise during labor or a child is born with an abnormality that impairs function or threatens life.

Board of Trustees - The individuals who govern the Harrison Electrical Workers Trust Fund and their successors.

Category II Agreement - A written agreement between the Board of Trustees and a contributing employer that allows the contributing employer to provide health and welfare benefits to its employees who do not receive benefits pursuant to a collective bargaining agreement.

Chemical Dependency - A physical and/or psychological addictive relationship that an individual has with any drug or alcohol characterized by either a physical or psychological relationship, or both, that interferes with the individual's social, psychological or physical adjustment to common problems on a recurring basis.

Chemical Dependency does not include an addiction to, or dependency on, tobacco, tobacco products or foods.

Contributing Employer - An employer who is obligated to make health and welfare contributions to the Trust on behalf of employees per the collective bargaining agreement or Category II Agreement.

Cosmetic Surgery - The surgical alteration of tissue for the improvement of your appearance rather than improvement or restoration of bodily function.

Covered Charges - Charges covered by this Plan.

Deductible - A set amount of covered charges that must be paid by you.

Dependent - Means:

1. A retiree's spouse (if not legally separated from the retiree). Coverage for the spouse ends on the date of the divorce or legal
separation unless COBRA coverage is elected.

2. Children

a. A retiree's unmarried child (including a stepchild, legally adopted child or child placed in an retiree's home pending adoption) from live birth until the end of the month the child attains age 19;

b. A retiree's unmarried child (including a stepchild, legally adopted child or child placed in a retiree's home pending adoption) who has attained age 19 if the child is:

(i) Mentally or physically unable to earn a living and proof of incapacity is furnished to the Board of Trustees within 31 days of the
date coverage would have ended due to age;

(ii) Single and actually dependent on the retiree for the majority of his or her support; and

(iii) Covered by this Plan just prior to the day he/she attained age 19.

c. A retiree's unmarried child (including a stepchild, legally adopted child or child placed in an employee's home pending adoption) who is enrolled in an accredited school as a full-time student and has not attained age 25.

3. A retiree’s unmarried grandchild, niece, nephew, or sibling in the custody of the retiree and for whom the retiree is providing the majority of his or her support will be considered a dependent if the retiree has been named as legal guardian by a court of competent jurisdiction, until the end of the month the grandchild, niece, nephew, or sibling attains age 19. Coverage for the grandchild, niece, nephew, or sibling can continue beyond age 19 if the grandchild, niece, nephew, or sibling meets the criteria in paragraph 2(b) or 2(c) above.

4. In the event that a husband and wife are both concurrently covered by the Plan as retirees:

a. Each will also be considered a dependent of the other; and

b. Each dependent child of such husband and wife will be considered a dependent of both husband and wife. However, no more than 100% of covered charges will be paid.

Doctor or Physician - An individual licensed and holding a degree as a Medical Doctor or Doctor of Osteopathy.

Electrical Industry - Work of any nature for an employer who performs the type of work that falls within the craft jurisdiction of a
Local Union affiliated with the International Brotherhood of Electrical Workers.

Evidence of Good Health - Satisfactory proof, as determined by the Board of Trustees, that a person is acceptable for coverage.

Health Care Facility - A facility licensed by the state or accredited by the Joint Commission on Accreditation of Hospitals.

Hospice Treatment Plan - A written plan of care established and periodically reviewed by your attending physician. The physician must certify in the plan that you are terminally ill and the plan must describe the services and supplies for medically necessary or palliative care to be provided by an approved hospice.

Hospital - A facility that:

1. Holds a license (if required) as a hospital;
2. Is open at all times;
3. Is operated mainly to diagnose and treat illnesses on an inpatient basis;
4. Has a staff of one or more doctors on call at all times;
5. Has 24hour nursing services by registered nurses;
6. Is not mainly a skilled nursing facility, clinic, nursing home, rest home, convalescence home or like place; and
7. Has organized facilities for major surgery.

Injury - An injury to your body.

Illness - Means:

1. 1. A disorder or disease of the body or mind;
2. 2. An accidental bodily injury; or
3. 3. Pregnancy.

All illnesses due to the same cause, or to a related cause, will be deemed one illness. The donation of an organ or tissue by you for transplanting into another person is considered to be an illness.

Medical Coverage - Benefits in this Plan other than Vision Benefits and Dental Benefits.

Medical Necessity - The services and supplies required for diagnosis or treatment of an illness, injury, mental illness or chemical dependency and that, in the judgment of the Board of Trustees, are:

1. Consistent with the symptoms or diagnosis and treatment of your condition;
2. Appropriate with regard to standards of good medical practice;
3. Not primarily for the convenience of you or a provider of services or supplies;
4. Cannot be left out without adversely affecting your condition; and
5. The least costly of the alternative supplies or level of service that can be safely provided to you. This means, for example, that care rendered in a hospital inpatient setting or by a nurse in your home is not medically necessary if it could be provided in a less expensive setting, such as a skilled nursing facility without harm to you.

The fact that a provider may prescribe, order, recommend or approve a service or supply does not, of itself, make the service or supply medically necessary.

Medicare - Medical benefits provided by Title XVIII of the Federal Social Security Act.

Mental Illness - Conditions and diseases listed in the most recent edition of the Internal Classification of Diseases (ICD) as psychoses, neurotic disorders or personality diseases; other non-psychotic mental disorders listed in the ICD as determined by the Board of Trustees. Mental illness does not include the treatment of chemical dependency.

Month - A period starting at 12:01 a.m. on any day in a given calendar month and ending at 12:01 a.m. on that same numbered day in the next calendar month. If that next calendar month does not have a same numbered day, the month will end at 11:59 p.m. of the last day of that next calendar month. (Examples: 12:01 a.m. of May 14 up to 12:01 a.m. of June 14; and 12:01 a.m. of May 31 through 11:59 p.m. of June 30.)

Necessary to the Care or Treatment of Illness or Injury - Recommended by a provider and commonly recognized in the provider's profession as proper care or treatment of your medical needs. Any final review will be based on professional medical opinion. Also, in the case of hospital or skilled nursing facility confinement, the length of confinement and the services and supplies furnished by the hospital or skilled nursing facility will be considered "medically necessary" only if it is determined by professional medical review that they are related to the care or treatment of illness or injury. The Board of Trustees does not consider hospitalization medically necessary if the care could be adequately and safely provided in other than a hospital or inpatient setting, such as a skilled nursing facility or outpatient clinic.

The treatment, services or supplies must not be:

1. For the scholastic, education or vocational training of the provider;
2. Experimental in nature; or
3. Primarily for the convenience of you or a provider of services or supplies.

New Retiree - A retiree who has not been eligible for coverage through the Harrison Trust in any of the previous 12 consecutive months.

Organization Affiliated with the Electrical Industry - A business or organization that provides support services to the electrical industry in Oregon or southwest Washington. These organizations include, but are not limited to, a training trust fund such as the NECA-IBEW Electrical Training Trust, a local union affiliated with the International Brotherhood of Electrical Workers, or a chapter of the National Electrical Contractors Association.

Outpatient Service - A program or service providing treatment by appointment. It must be licensed and approved by the Mental Health Division of the Office of Alcohol and Drug Abuse Programs.

Palliative Care - Care primarily for the relief and control of distressing symptoms, not a cure.

Plan Administrator - A&I Benefit Plan Administrators Inc., whose address is 1220 SW Morrison Street, Suite 300, Portland, OR 97205.

Preexisting Condition - A condition that was diagnosed or treated or for which medication was prescribed or taken in the three
months before coverage under the Retired Plan began. Pregnancy is not a preexisting condition.

Pregnancy - One's pregnancy, childbirth or related medical conditions, including complications of pregnancy.

Preferred Provider - Any physician, hospital, medical clinic or facility which belongs to the Preferred Provider Organization network recognized by the Trust as a Preferred Provider.

Provider Means:

1. A licensed Medical Doctor (MD);

2. A licensed Doctor of Osteopathy (DO);

3. A Chiropractic Physician (DC) (under certain limited conditions);

4. A Naturopathic Physician who is licensed by the state in which care is rendered (if that state's laws license Naturopathic physicians) and who practices within the scope of his or her license;

5. A Doctor of Medical Dentistry (DMD);

6. A Doctor of Dental Surgery (DDS);

7. Denturist (under certain conditions);

8. Optometrist (OD);

9. A Doctor of Podiatric Medicine (DPM);

10. Licensed Clinical Psychologist (PhD);

11. Clinical Social Worker who:

a. Has a master's or doctoral degree in social work;

b. Has at least two years of clinical social work practice;

c. Is certified by the Academy of Certified Social Workers (ACSW); and

d. In states requiring license, certification, or registration, is licensed, certified, or registered as a social worker where the services
are rendered (LCSW or RCSW).

12. Master of Science or Arts, Certified Competent Clinician Audiology;

13. A Nurse Midwife, who:

a. Is a Certified Nurse Practitioner;

b. Is certified by the American College of Nurse Midwives;

c. Is under the supervision of a qualified physician or hospital; and

d. Is licensed as a Nurse Midwife by the state in which care is rendered (if that state's laws license Midwives).

14. Physical Therapist who is licensed as a Physical Therapist by the state in which care is rendered (if that state's laws license Physical Therapists), for rehabilitative services rendered upon the written referral of a physician.

15. Speech Therapist who:

a. Has a master's degree in speech pathology;

b. Has completed an internship; and

c. Is licensed by the state in which he or she performs his or her services, if that state requires licensing.

16. A legally qualified Physician's Assistant who is certified by the National Commission on Certification of Physician's Assistants; or is a certified graduate of an approved training course that is accredited by the American Medical Association's Committee on Allied Health Education; and works for a clinic or for a licensed physician who is an MD or DO. This does not apply if applicable law does not allow it;

17. Nurse Practitioner (Certified).

Protected Health Information – Individually identifiable health information that is not subject to specific exclusions. The definition of Protected Health in 45 C.F.R. § 164.501 is adopted for use in the Benefit Booklet.

Reasonable and Customary Charges - The usual charges made by the person, group or other entity rendering or furnishing the services, treatments or materials, but in no event charges in excess of the general level of charges made by others rendering or furnishing such services, treatments or materials to persons of similar income or net worth within the area in which you normally reside for illnesses comparable in severity and nature to the illness being treated. As to any particular service, treatment or material, the term "area" means a county or such representative cross section of persons, groups or other entities rendering or furnishing such services, treatment or material to persons of similar income or net worth.

Residential Facility, Day or Partial Hospitalization Program - A program or facility licensed and approved by the Mental Health Division of the Office of Alcohol and Drug Abuse Programs to provide an organized full-time or part-day program of treatment but not licensed to admit persons requiring 24-hour nursing care.

Respite Care - Care of a hospice patient for a period of time to relieve persons residing with and caring for the patient from their
duties.

Restricted Non-Covered Employment - Means work, as an employee or otherwise (i.e. independent contractor, owner, consultant) in the Electrical Industry that does not meet one or more of the following criteria:

1. Work for an employer that has a contractual obligation to contribute to the Harrison Trust pursuant to a collective bargaining agreement or a Category II Agreement;
   
2. Work for an employer that contributes to a health and welfare plan sponsored by an organization affiliated with the International Brotherhood of Electrical Workers that has an agreement or arrangement that transfers health and welfare contributions or eligibility on behalf of employees to the Harrison Trust;
   
3. Work for an employer that has a collective bargaining agreement that requires health and welfare contributions to a health and welfare plan where one of the sponsors of the health and welfare plan is an organization affiliated with the International Brotherhood of Electrical Workers;
   
4. Work for an employer pursuant to a collective bargaining agreement negotiated with an organization affiliated with the International Brotherhood of Electrical Workers;
   
5. Work for an employer that is involved in contract negotiations with an employer that meets one of the criteria in paragraphs 1 through 4 above.
   
6. Work for an employer in a related building trade pursuant to a referral or authority of an organization affiliated with the International Brotherhood of Electrical Workers;
   
7. Work for an employer as a SALT organizer authorized by an organization affiliated with the International Brotherhood of Electrical Workers; or
   
8. Work for an employer that does not meet one of the criteria in paragraphs 1 through 6

Retiree (you) - An individual who has completed an application for one of the Retired Trust Plans and meets the eligibility requirements for one of the retired benefits plans described on this benefit site.

Retired Trust Plan or Plan - The health and welfare benefits described in this benefit booklet.

Room and Board Charges - Charges made by a hospital or skilled nursing facility for the room, meals and routine nursing services for a person confined as a bed patient. Room and board is limited to the hospital's prevailing charge for a semiprivate room.

Sickness - Your sickness, illness or disease.

Skilled Nursing Facility - A facility qualified as such under Medicare.

Special Charges - Those charges made by the hospital for other than room and board. Special charges include, but are not limited to, charges made by a legally qualified physician for professional services in connection with radiology and pathology. Anesthesiology is included unless otherwise provided under the surgical benefits.

Terminally Ill - The condition has reached a point where recovery can no longer be expected and you are facing imminent death.

TMJ/Temporomandibular Joint Syndrome - Pain or other symptoms affecting the head, jaw, and face that are believed to result when the temporomandibular joints (jaw joints) and the muscles and ligaments that control and support them do not work together correctly. Also referred to as Myofacial Pain Disorder.

Trust or Harrison Trust - The Harrison Electrical Workers Trust Fund.

You or Your - The retiree.

Administered By:
A&I Benefit Plan Administrators, Inc.
1220 SW Morrison Street
Suite 300
Portland, OR 97205
In Portland: 1-503-224-0048, Ext. 1679
Outside Portland Toll Free: 1-800-547-4457, Ext. 1679

Employee Benefit Specialists
Joseph H. Herrle & Associates, Inc.
James B. Nibley Insurance, Inc.

Legal Counsel
Brownstein, Rask, Sweeney, Kerr, Grim, DeSylvia & Hay LLP
Stephen H. Buckley

Auditor
Bjorklund & Montplaisir

Investment Manager
Ferguson, Wellman, Capital Management, Inc.