August 12, 1999 (Updated)

To: New Participating Employer

Re: New Employer Information
Plan A

Dear Employer:

Welcome to the Teamsters Benefit Trust.

• The first contribution payable to TBT is due in ____ (based on hours worked in ____) and provides ____ coverage. Coverage is on a "lag month" basis. Therefore, hours worked in ____ are due in ____ and provide ____ coverage (assuming that the employee has adequate "hour bank" credits). The Company is required to make contributions on all employees who work the hours stipulated in the Collective Bargaining Agreement (CBA).
• Checks are to be made payable to "Teamsters Benefit Trust" and mailed (in the pre-addressed envelope provided) to:

• An invoice for ____ coverage (based on ____ hours), payable in ____ is enclosed. Please return monthly invoices, even if there were no hours worked in a particular month. Indicate by "zero hours". If an employee terminates, simply line through the name and give the reason for termination using the codes listed on the invoice. (Remember to submit a COBRA "Notice of Qualifying Event.") For new employees, type in the name, Social Security number and contribution. Please include the employee’s address (either on the contribution statement or on a separate sheet so that a "new employee packet" containing enrollment material can be mailed to them).
• Monthly invoices will list employees for whom you submitted contributions in the previous month. If the next to the last column contains "EN FORM?," the individual must submit a TBT Enrollment Form. Please encourage the employee to do so. The importance of this Form is addressed later in this letter.

• A Benefit Packet is enclosed for your information and records.
• New employee packets were mailed to current employees on ________. A packet will be mailed to new employees after your first contribution is paid on their behalf.
• Every employee must complete and return a TBT Enrollment Form.
• New employee packets consist of two parts:

1. Envelope entitled " Inside: Important Information about your Benefits" contains the following:

• "Dear Employee" letter.
• Guide To Your Benefits.
• Summary of Coverage - Plan A.
• Comparison of Medical Benefits - Plan A.
• Comparison of Dental Benefits - Plan A.
• Enrollment Materials.
• Forms.

2. Additional Information:

• Bright Now! Dental and PacificDental Benefits brochures.
• HMO information.
• Preferred provider hospital list.
• Preferred provider physicians directory.

• The Fund is administered by the Board of Trustees who have contracted with Lipman Insurance Administrators, Inc. (LIA) to conduct the day-to-day affairs of the Fund, including accounting, service and claims payment functions.
• A copy of the Agreement and Declaration of Trust, with amendments, is enclosed. This is the basic document governing the operation of the Fund.

If you have any questions please call the TBT Plan Administration Office.

• GENERAL QUESTIONS and CLAIMS STATUS – a TBT service representative.
• BILLING, ACCOUNTING and REPORTING MATTERS – Connie Gordon or Cynthia Trujillo.
• DENTAL ENROLLMENT and RxAMERICA – Phyllis Dallas or
  Wendy Gonzales.
• RETIREE COVERAGE – John Holloman or Lynne Carter.
• HMO MATTERS – Mercy Bautista or Carol Chmielewski.
• CLAIMS – Sylvia Sanchez or Rose Cruz (for status on a current claim, ask for a TBT service representative).

Phone: (510) 796-4676 or (800) 533-0119

FAX: (510) 795-0680

• Claims submission should be based upon the individual employee's TBT coverage effective date. Claims incurred prior to the employee's TBT coverage effective date should be sent to your prior administrator or insurance company.
• For eligible employees, please submit claims incurred AFTER ______ 1, to:

Sincerely,

Martin R. Lowy
Fund Manager

MRL/mr

Enclosures: