SICKNESS AND ACCIDENT DISABILITY BENEFITS (ACTIVE MARITIME PARTICIPANTS ONLY)

SCHEDULE OF BENEFITS - DISABILITY

Benefit Description:

When disability, physical or mental, makes a participant unfit to perform his normal duties, and requires regular care and attendance of a legally qualified physician, the Plan provides a weekly benefit up to the maximum number of weeks established in the above schedule.

Requirements:

• The participant must submit to reasonable examinations as required by the Trustees to determine the disability.
• An Application for Sickness and Accident Disability Benefit form must be completed by both the participant and the attending physician for each claim during the disability period, and sent to the Plan office.
• Payments will be made no more frequently than at seven (7) day intervals.

Exclusions and Limitations:

• There is a waiting period for each disability of one (1) day after the date of an injury or eight (8) consecutive days from the date of illness. There will be no waiting period from the date of confinement in a hospital.
• No benefits or credit for a waiting period will be given for any period during which the participant is on the payroll of the Employer, including earned wages, vacation benefits, sick leave (if contributions are being made to the Plan), unearned wages (if contributions are being made to the Plan).
• The Plan will offset disability payments by Disability or Worker’s Compensation under the laws of any state, maintenance and cure as required by Maritime law, unearned wages (if no contributions are made to the Plan), or sick leave (if no contributions are made to the Plan).
• Where a participant who is eligible for benefits under the Plan is disabled while working on a non-signatory vessel, no Disability Benefits shall be payable under the Plan.
• A participant who received a Disability Benefit under this Plan and who after returning to work is again determined to be disabled with a similar diagnosis within a period of 182 days from the last day of the previous disability, will be eligible for additional benefits not to exceed the maximum benefit provided in the schedule above for the total accumulated disability period.
• The term “legally qualified physician” for declaring a participant disabled shall mean only a person who is duly licensed to prescribe and administer any and all drugs.