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Important Points to Remember

Eligible Dependents for Healthcare Your eligible dependents include your spouse, children and stepchildren up to age 26 . As defined by Section 152(a) of the Internal Revenue Code. Your eligible dependents do not include a parent, sibling or other relative unless you present a court order or IRS document that confirms that the person is your legal dependent. A signed Dependent Affidavit may be required upon periodic pl an reviews. 2011 Definitions of a Dependent The definition of a dependent changes based on which benefit plan your child is enrolled in: Medical (including Dental and Vision), Flexible Spending Accounts (FSA) , and Supplemental/Optional Life and Accidental & Disability (AD&D) Insurance .

Plans.

HealthCare (Medical, Vision and Dental): Dependents are eligible up until they turn age 26.

When your dependent turns age 26 he/she is no longer an eligible dependent for the HealthCare Plans. A major change to eligibility is the Health Care Reform requirement to allow dependent children to be covered up to age 26 regardless of school attendance, marital status or financial dependence. A signed Dependent Affidavit may be required upon periodic plan reviews.

Important Notices & Provisions

Health Insurance Portability and Accountability Act

Continuation of Health Coverage under COBRA If you or your dependents’ coverage under any Birch Stewart Kolasch & Birch, LLP health benefit plan ends due to:  Termination of employment for any reason other than gross misconduct  Your loss of eligibility due to a reduction in work hours  Loss of eligibility of dependents: over-age, divorce, etc., you may continue coverage for yourself (or your dependents may elect to continue their own coverage) under COBRA. When you or your dependents elect to continue coverage in this manner, you are responsible for paying the full cost of the plan premium, plus a 2% administration fee. COBRA continuation rights apply to your medical, dental, vision and health care spending account participation. Detailed information about your COBRA rights is provided in the plan summary. If you or your dependents become eligible for COBRA coverage, Birch Stewart Kolasch & Birch, LLP will notify you and provide the information you need to access these rights. Newborns’ and Mothers’ Health Protection Act In compliance with the Newborns’ and Mothers’ Health Protection Act of 1996, under all of the medical plan options, mothers and their newborns are assured that they may remain in the hospital for up to 48 hours following a normal delivery and up to 96 hours following a cesarean section delivery. No preauthorization is required for these inpatient days. Women’s Health and Cancer Rights Act In compliance with the Women’s Health and Cancer Rights Act of 1998, all of the medical plans provide benefits in connection with a mastectomy that include reconstruction of the breast on which the mastectomy has been performed, surgery and reconstruction of the other breast to produce symmetrical appearance, and prostheses and physical complications for all stages of a mastectomy, including lymph edemas (swelling associated with the removal of lymph nodes). Coverage for these services is subject to the same deductibles and coinsurance amounts as those that apply to other benefits under the plan. Qualified Medical Child Support Orders If a qualified medical child support order (QMCSO), issued in a domestic relations proceeding (e.g., divorce or legal separation proceeding), requires you as a parent to cover a child who is not in your custody, you may do so. To be qualified, a medical child support order must include: the name and last known address of the parent who is covered under this plan; name and last known address of each child to be covered under this plan; type of coverage to be provided to each child; and period of time the coverage is to be provided. QMCSOs should be sent to the plan administrator. Upon receipt, the plan administrator will notify you and describe the plan’s procedures for determining if the order is qualified. If the order is qualified, you may cover your children under the plan. As a beneficiary covered under the plan, your child(ren) will be entitled to information that the plan provides to other beneficiaries under ERISA’s reporting and disclosure rules.

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