1. Had 120 months of coverage in the last 180 months or 60 months of coverage as a result of Employer contributions in the last 120 months;
   
2. Local 48 and Local 970 retirees who worked under the Sound and Communication Agreement (effective July 1, 2001); and
   
3. Local 932 retirees who worked under the Sound and Communication Agreement (effective July 1, 2002).
   

1. Had 120 months of coverage in the last 180 months or 60 months of coverage as a result of Employer contributions in the last 120 months;
   
2. Local 48 retirees who worked under the Commercial or Residential Wiremen’s Agreements;
   
3. Local 970 retirees who worked under the Commercial Wiremen’s Agreement;
   
4. Local 932 retirees who worked the Commercial or Residential Wiremen’s Agreements;
   
5. Local 659 retirees who worked under the Commercial Wiremen’s Agreement; and
   
6. Local 280 retirees who worked under the Commercial Wiremen’s Agreement.

If you are eligible for benefits under the Early Retiree Plan, you are eligible to receive the medical, prescription drug, dental, and vision benefits, as long as you have not reached the age of 65. Once you, your spouse or dependent reaches age 65, your or your spouse or dependent is required to enroll in both Parts A and B of Medicare, and to select one of the Medicare Supplement/Medicare HMO Plans offered by the Harrison Trust.

Employers signatory to certain residential and commercial collective bargaining agreements with IBEW Locals 48, 280, 659, 932, and 970 make monthly contributions to help fund the cost of the Early Retiree Plan, based on hours of bargaining unit work performed by individuals working under the collective bargaining agreements. The Early Retiree Plan applies to certain individuals at age 60, rather than age 62, because their employers pay a higher hourly contribution rate to the Early Retiree Plan.

• Local 48 and Local 970 retirees who worked under the Sound and Communications Agreement (effective July 1, 2001); and ;
  
• Local 932 retirees who worked under the Sound and Communications Agreement (effective July 1, 2002).

To be eligible for the benefits of the Early Retiree Plan (age 62-65), you must satisfy all the requirements of Test I or Test II:

Test I

1. Age. You must be between the age of 60-65 (age 62-65 for those working under some contracts) and not enrolled in Medicare.

2. Retirement. You must be retired and not receiving any compensation or working in any capacity in the electrical industry or an organization affiliated with the electrical industry.

3. Pension. Bargaining Employees must have applied for or are receiving a pension from a pension plan sponsored by a local union affiliated with the IBEW.

4. Work in the Industry. You must have had 15 or more years of verifiable employment in the electrical industry anywhere in the United States.

5. Prior Participation in the Harrison Trust. Within the 180 months (15 years) immediately preceding your application for the Early Retiree Plan, you must have had 120 or more months (10 years) of health and welfare coverage provided through the Harrison Trust. The 120-month requirement can be met through employer contributions, individual self-payments, COBRA payments, and/or reciprocity dollars remitted to the Harrison Trust.

6. Recency Requirement. In addition, within 60 months (5 years) immediately preceding your application, you must have had 30 or more months (2.5 years) of health and welfare coverage through the Harrison Trust. The 30-month requirement can be met through employer contributions, individual self-payments, COBRA payments, and/or reciprocity dollars remitted to the Harrison Trust.

7. Forfeiture of Harrison Coverage. Your months of Harrison coverage needed to qualify for the Early Retiree Plan will be forfeited as of the day you work in "restricted non-covered employment" in the "electrical industry." This means that if you work in "restricted non-covered employment" in the "electrical industry," the months of Harrison coverage you earned prior to your "restricted non-covered employment" in the "electrical industry" is forfeited. You must begin to earn the necessary months of Harrison coverage needed for the Early Retiree Plan again after you cease work in "restricted non-covered employment" in the "electrical industry."

8. Work for Employers Who Contribute to the Early Retiree Plan. From the time your bargaining unit began participation in the Early Retiree Plan through the date you apply for the Early Retiree Plan, 70% or more of the hours reported to the Harris ion Trust on your behalf must have been worked under collective bargaining agreements that required employer contributions to the Early Retiree Plan. The date various bargaining units began participation in the Early Retiree Plan is a follows:

• Local 48 - Commercial Wiremen's Agreement - January 1, 1992
• Local 48 - Residential Wiremen's Agreement - January 1, 1993
• Local 48 - Sound and Communication Agreement - January 1, 2001
• Local 280 - Commercial Wiremen's Agreement - January 1, 1999
• Local 659 - Commercial Wiremen's Agreement - July 1, 1992
• Local 932 - Commercial Wiremen's Agreement - January 1, 1994
• Local 932 - Residential Wiremen's Agreement - January 1, 2000
• Local 932 - Sound and Communication Agreement - January 1, 2002
• Local 970 - Commercial Wiremen's Agreement - January 1, 1996
• Local 970 - Sound and Communication Agreement - January 1, 2001

Test II

1. Age. Same requirements as Test I.

2. Retirement. Same requirements as Test I.

3. Pension. Same requirements as Test I.

4. Work in the Industry. You must have had 25 or more years of verifiable employment in the electrical industry within the geographic area covered by IBEW Locals 48, 280, 659, 932, and/or 970.

5. Prior Participation in the Harrison Trust. Within the 300 months (25 years) immediately preceding your application for the Early Retiree Plan, you must have had 180 or more months (15 years) of health and welfare coverage provided through the Harrison Trust. The 180-month requirement can be met through employer contributions, individual self-payments, COBRA payments, and/or reciprocity dollars remitted to the Harrison Trust.

6. Recency Requirement. Within the 120 months (10 years) immediately preceding your application for the Early Retiree Plan, you must have had 60 or more months (5 years) of health and welfare coverage provided through the Harrison Trust. The 60-month requirement can be met through employer contributions and/or reciprocity dollars remitted to the Harrison Trust. In addition, within 60 months (5 years) immediately preceding your application, you must have had 30 or more months (2.5 years) of health and welfare coverage through the Harrison Trust. The 30 month requirement can be met through employer contributions, individual self-payments, COBRA payments, and/or reciprocity dollars remitted to the Harrison Trust.

7. Forfeiture of Harrison Coverage. Same requirements as Test I.

8. Work for Employers Who Contribute to the Early Retiree Plan. Same requirements as Test I.

• Local 48 retirees who worked under the Commercial or Residential Wiremen’s Agreements;
  
• Local 970 retirees who worked under the Commercial Wiremen’s Agreement;
  
• Local 932 retirees who worked under the Commercial or Residential Wiremen’s Agreements;
  
• Local 659 retirees who worked under the Commercial Wiremen’s Agreement; and
  
• Local 280 retirees who worked under the Commercial Wiremen’s Agreement.

To be eligible for the benefits of the Early Retiree Plan (age 60-65), you must satisfy all the requirements of Test I or Trust II.

Test I

1. Age. You must be between the ages of 60 and 65.

2. Retirement. You must be retired and not receiving any compensation or working in any capacity in the electrical industry or an
organization affiliated with the electrical industry.

3. Pension. If you worked under the terms of a collective bargaining agreement, you must have applied for, and be qualified to
receive a pension from a pension plan sponsored by a local union affiliated with the International Brotherhood of Electrical Workers.

4. Work in the Industry. You must have had 15 or more years of verifiable employment in the electrical industry and/or an organization affiliated with the electrical industry anywhere in the United States.

5. Prior Participation in the Harrison Trust. Within the 180 months immediately preceding your application for the Early Retiree Plan, you must have had 120 or more months of health and welfare coverage provided through the Harrison Trust. The 120-month requirement can be met through employer contributions, individual self-payments, COBRA payments, and/or reciprocity dollars remitted to the Harrison Trust.

6. Forfeiture of Harrison Coverage. Your months of Harrison coverage needed to qualify for the Age 62 to 65 Early Retiree Plan (120 or more months within 180 months before application for the Early Retiree Plan) will be forfeited as of the day you work in "restricted non-covered employment" in the "electrical industry." (See the Definition of Terms section for the definition of "restricted non-covered employment" and "electrical industry.") This means that if you work in "restricted non-covered employment" in the "electrical industry," the months of Harrison coverage you earned prior to your "restricted non-covered employment" in the "electrical industry" is forfeited and will not be counted toward the 120 month requirement in paragraph 5, above. You must begin to earn the 120 months of Harrison coverage needed for the Early Retiree Plan again after you are no longer employed in "restricted non-covered employment" in the "electrical industry."

7. Work for Employers Who Contribute to the Early Retiree Plan (Age 60-65). You must meet one of the following criteria:

a. If you worked under the Local 48 Commercial Wiremen’s Agreement between January 1, 1992 and the date you apply for the Early Retiree Plan, 70% or more of the hours reported to the Harrison Trust on your behalf must have been worked under collective bargaining agreements that required employer contributions to the Early Retiree Plan (age 60-65).

Reciprocity hours remitted to the Harrison Trust will count toward the 70% requirement if sufficient money was reciprocated to the Harrison Trust on your behalf to fund the employer contribution to the Early Retiree Plan (age 60-65).

b. If you worked under the Local 48 Residential Wiremen’s Agreement between January 1, 1993 and the date you apply for the Early Retiree Plan, 70% or more of the hours reported to the Harrison Trust on your behalf must have been worked under collective bargaining agreements that required employer contributions to the Early Retiree Plan (age 60-65 or age 62-65).

Reciprocity hours remitted to the Harrison Trust will count toward the 70% requirement if sufficient money was reciprocated to the Harrison Trust on your behalf to fund the employer contribution to the Early Retiree Plan (age 60-65 or age 62-65).

c. If you worked under the Local 659 Commercial Wiremen’s Agreement between July 1, 1992 and the date you apply for the Early Retiree Plan, 70% or more of the hours reported to the Harrison Trust on your behalf must have been worked under collective bargaining agreements that require employer contributions to the Early Retiree Plan (age 60-65 or age 62-65).

Reciprocity hours remitted to the Harrison Trust will count toward the 70% requirement if sufficient money was reciprocated to the Harrison Trust on your behalf to fund the employer contribution to the Early Retiree Plan (age 60-65 or age 62-65).

d. If you worked under the Local 932 Commercial Wiremen’s Agreement between January 1, 1994 and the date you apply for the Early Retiree Plan, 70% or more of the hours reported to the Harrison Trust on your behalf must have been worked under collective bargaining agreements that require employer contributions to the Early Retiree Plan (age 60-65 or age 62-65).

Reciprocity hours remitted to the Harrison Trust will count toward the 70% requirement if sufficient money was reciprocated to the Harrison Trust on your behalf to fund the employer contribution to the Early Retiree Plan (age 60-65 or age 62-65).

e. If you worked under the Local 932 Residential Wiremen’s Agreement between January 1, 2000 and the date you apply for the Early Retiree Plan, 70% or more of the hours reported to the Harrison Trust on your behalf must have been worked under collective bargaining agreements that require employer contributions to the Early Retiree Plan (age 60-65).

Reciprocity hours remitted to the Harrison Trust will count toward the 70% requirement if sufficient money was reciprocated to the Harrison Trust on your behalf to fund the employer contribution to the Early Retiree Plan (age 60-65).

f. If you worked under Local 970 Commercial Wiremen’s Agreement between January 1, 1996 and the date you apply for the Early Retiree Plan, 70% or more of the hours reported to the Harrison Trust on your behalf must have been worked under collective bargaining agreements that require employer contributions to the Early Retiree Plan (age 60-65 or age 62-65).

Reciprocity hours remitted to the Harrison Trust will count toward the 70% requirement if sufficient money was reciprocated to the Harrison Trust on your behalf to fund the employer contribution to the Early Retiree Plan (age 60-65).

g. If you worked under Local 280 Commercial Wiremen’s Agreement between January 1, 1999 and the date you apply for the Early Retiree Plan, 70% or more of the hours reported to the Harrison Trust on your behalf must have been worked under collective bargaining agreements that required contributions to the Early Retiree Plan (age 60-65 or age 62-65).

Reciprocity hours remitted to the Harrison Trust will count toward the 70% requirement if sufficient money was reciprocated to the Harrison Trust on your behalf to fund the employer contribution to the Early Retiree Plan (age 60-65 or age 62-65).

h. If you worked for IBEW Local 48, 280, 659, 932, or 970, and IBEW Local 48, 280, 659, 932, or 970 made contributions on your behalf to the Harrison Trust.

i. If you worked for an organization affiliated with the electrical industry in the geographic area of IBEW Local 48, 280, 659, 932, or 970, and the organization made contributions on your behalf to the Harrison Trust.

j. If you worked under a Category II Agreement for an employer whose principal collective bargaining agreement was with IBEW Local 48, 280, 659, 932, or 970, and the employer made contributions on your behalf to the Harrison Trust.

Test II

Test II is effective from August 1, 2003 through July 31, 2006. Qualification under Test II for the Age 60-65 Early Retiree Plan will automatically terminate on July 31, 2006 unless extended by the Board of Trustees. The Board of Trustees reserve the right, in its sole discretion, to modify or terminate Test II prior to July 31, 2006.

1. You meet the Age, Retirement, Pension, Forfeiture of Harrison Coverage and Work for Employers Who Contribute to the Early Retiree Plan (Age 60-65) requirements set forth above;

2. Work in the Industry. You have had 25 or more years of verifiable employment in the electrical industry and/or an organization affiliated with the electrical industry within the geographic jurisdiction of IBEW Locals 48, 280, 659, 932 and 970;

3. Prior Participation in the Harrison Trust. Within 300 months (25 years) immediately preceding your application for the Early Retiree Plan, you must have had 180 or more months (15 years) of health and welfare coverage provided through the Harrison Trust. The 180-month requirement can be met through employer contributions, individual self-payments, COBRA payments, and/or reciprocity dollars remitted to the Harrison Trust; and

4. Recency Requirement. Within the 120 months (10 years) immediately preceding your application for the Early Retiree Plan, you must have had 60 or more months (5 years) of health and welfare coverage provided through the Harrison Trust. The 60-month requirement can be met through employer contributions and/or reciprocity dollars remitted to the Harrison Trust.

If you believe you meet the eligibility requirements set forth above, and you choose to participate in the Retired Trust Plan, you will be subject to the following rules:

1. Enrollment of Retiree. Sixty days prior to the date of retirement, you should complete an application to participate in the Retired Trust Plan. Contact the Plan Administrator for the application.
   
2. Enrollment of Dependents. Your spouse under age 65 and/or your eligible dependents will be eligible for benefits under the Retired Trust Plan, as long as you have met the eligibility requirements. The Plan Administrator may require you to submit pertinent information concerning your spouse and dependents.

Benefits under the Retired Trust Plan will begin on the first day of the month following the date in which you have completed an application for participation in the Retired Trust Plan and the application has been accepted by the Board of Trustees or Plan Administrator.

Your coverage under the Retired Trust Plan will end on the last day of the month in which any of the following events occur:

1. You reach age 65;
   
2. You become covered under the Active Employee Plan through active employment, as described in the Return to Work section above;
   
3. You pass away;
   
4. You are under age 65, eligible for Medicare because of disability and you do not remain continuously covered by Medicare Parts A and B;
   
5. The Board of Trustees change the eligibility rules and you cease to be in the class of persons eligible for benefits under Early Retiree Plan;
   
6. The Board of Trustees terminates the Early Retiree Plan or the Retired Trust Plan.
   
7. You work in "restricted non-covered employment" in the "electrical industry." (See the Definition of Terms section for the definition of "restricted non-covered employment" and "electrical industry.")

See the Medicare Supplement/Medicare HMO Plan by found by clicking on the Medicare Retiree Plan link in the navigation bar at the top.

Coverage for your spouse will automatically end on the first day of the month in which any of the following events occur:

1. Your spouse reaches age 65; or
   
2. Your spouse is under age 65, eligible for Medicare because of disability and does not remain continuously covered by Medicare Parts A and B.

Coverage for your spouse and/or dependents will also automatically end on the last day of the month in which any of the following events occur:

1. Your coverage ends under the Early Retiree Plan or the Retired Trust Plan; or
   
2. Your spouse and/or dependent ceases to meet the definition of "Dependent" under the Retired Trust Plan.

You, your spouse and dependents should refer to the COBRA section here to determine if you may continue your coverage (on a self-pay basis) when coverage under the Retired Trust Plan ends.

If you die while enrolled in the Early Retiree Plan and your spouse is between the ages of 62 and 65 (if you were enrolled in the age 62 to 65 plan) or is between the ages of 60 and 65 (if you were enrolled in the age 60 to 65 plan), coverage will continue until the last day of the month in which either of the following events occur:

1. Your spouse reaches age 65; or
   
2. Your spouse is under age 65, eligible for Medicare because of disability and does not remain continuously covered by Medicare Parts A and B, whichever comes first.

1. Your spouse reaches age 65; or
   
2. Your dependent child ceases to meet the definition of "dependent" under the Retired Trust Plan (see definitions): or
   
3. Your spouse is under age 65, eligible for Medicare because of disability and does not remain continuously covered by Medicare Parts A and B, whichever comes first.

If you have children who meet the definition of dependent and you and your spouse are enrolled in the Medicare Supplement Plan, your children who meet the definition of dependent will be required to make self-payments under the COBRA rules to maintain health and welfare coverage.

1. You have exhausted your reserve account;
   
2. You have exhausted your individual account;
   
3. You have exhausted your COBRA Continuation Coverage;
   
4. Immediately after your reserve account, individual account and COBRA Continuation Coverage have been exhausted, you begin making monthly self-payments to the Trust for medical, prescription drug, dental and vision coverage so there is no lapse in coverage. Self-payments are due on the first day of the month and will not be accepted after the last day of the month. For example, the self-payment for March coverage is due March 1 and will not be accepted after March 31.
   
5. Once self-pay coverage ends, it cannot be started again. This means that if you fail to make a self-payment by the last day of the month and there is a lapse in coverage, you will not be allowed to make subsequent self-payment to the Retired Trust Plan for medical, prescription drug, dental and vision coverage. If your self-pay coverage lapses, you must wait until you meet all eligibility requirements for the Early Retiree Plan, including age, to reenroll in the Plan.