DEPENDENTS

Your eligible dependents are your legally married spouse and unmarried children who meet the following criteria:

1. Either (a) the child will be 19 or younger at the end of the calendar year or (b) the child is attending high school, an accredited college or university on a full-time basis (at least 12 units per term) and will be 24 or younger at the end of the calendar year, or (c) the child is permanently and totally disabled at any time during the year, and became disabled while an eligible dependent; and
2. The child has the same principal place of abode as you for more than half the year. (Please see below for special rules if the child does not share your principal place of abode); and
3. The child has not provided more than half of his or her own support during the calendar year.

A child who meets the above age requirements and does not share your principal place of abode will still be considered an eligible dependent if the child falls into one of the two following categories:

1. You are (a) divorced/legally separated from or have lived apart from the child's other parent during the last six months of the calendar year, (b) one or both parents provide more than half the child's support, (c) the child is in the custody of one or both parents for more than half the year, and (d) you are entitled to claim the child as a dependent for United States income tax purposes.
2. You provide more than half the child's support and the child cannot be claimed as a qualifying child by another taxpayer for United States income tax purposes.

The term "children" includes your natural children, legally adopted children and children placed with you for adoption, stepchildren, and foster children who are placed with you by an authorized placement agency or by court order, judgment or decree. Note: Foster children are not eligible for coverage under the Kaiser medical plan. Full-time student means enrolled in at least 12 units at an accredited college or university or attending high school. (Trade or vocational schools are not considered by the Plan to be accredited colleges or universities.) In order to avoid any interruption in coverage you are required to fax or mail proof of ongoing full-time student status to the Administrative Office every quarter or semester. If an eligible dependent is not residing with the Plan participant, the Plan must be notified in writing, so that EOBs and Plan information can be sent to the dependent's correct address.

The Trustees may require proof of eligibility, such as a birth certificate, court adoption order/documents showing the child has been placed with you for adoption, Social Security Foster Care Agreement, proof of legal guardianship, and/or income tax return showing dependency of the child.

A child will continue to be eligible for dependent coverage if, within 31 days after he or she would otherwise lose dependent status, you give proof satisfactory to the Administrative Office that the child is totally and permanently disabled. The child must have been a covered dependent immediately before the request for continued dependent status.

A court or state administrative agency may issue a Qualified Medical Child Support Order (QMCSO) that requires a group health care plan to provide medical benefits to a participant's child. Contact the Administrative Office for further details about the Plan's rules and procedures for administering QMCSOs. You are entitled to receive a copy of these rules and procedures free of charge.

Initial Eligibility for Dependents

If you have eligible dependents when your coverage becomes effective, coverage for them begins on the same day. If you acquire an eligible dependent after your coverage starts, your dependent's coverage will start on the date you gain the dependent. Immediate coverage is available for each newborn child of an eligible employee and for any minor child placed in the physical custody of an eligible employee for adoption. Failure to enroll a new dependent within 30 days of acquisition (e.g., within 30 days of marriage, birth, adoption or placement for adoption) will result in a delay in the dependent's effective date of coverage, until the next annual open enrollment. Contact the Administrative Office to enroll new dependents.

Termination of Coverage - Dependents

In general, coverage for your dependents ends on the date your coverage ends. However, coverage will also end:

1. On the last day of the month in which your dependent no longer meets the eligibility requirements outlined in this booklet (e.g., the end of the calendar year in which your non-student child turns 19);
2. On the date that your dependent enters full-time military service; or
3. On the date that this Plan ends.

Qualified Medical Child Support Order

The Fund will provide dependent coverage to a child if it is required to do so under the terms of a Qualified Medical Child Support Order ("QMSCO"). The Fund will provide coverage to a child under a QMSCO even if the participant does not have legal custody of the child, the child is not dependent upon the participant for support, and regardless of enrollment season restrictions which otherwise may exist for dependent coverage. If the Fund receives a QMSCO and the participant does not enroll the affected child, the Fund will allow the custodial parent or state agency to complete the necessary enrollment forms on behalf of the child. A copy of the Fund's procedures for determining whether an order is a QMSCO can be obtained from the Fund office. A QMSCO may require that weekly disability benefits payable by the Fund be paid to satisfy child support obligations with respect to a child of a participant. If the Fund receives such an order and benefits are currently payable or become payable in the future while the order is in effect, the Fund will make payments either to the Child Support Agency or to the recipient listed in the order.

Survivors' Eligibility for Coverage

In the event of your death, full coverage for your dependents will continue at no charge until the end of the month in which the reserve hour bank is exhausted.