RTOA contractors' are enrolled in Plan D of the Health and Welfare Fund for Zones 1-4; Zone 5 is covered by Plan C. To become eligible for health and welfare benefits, an employee must work 300 hours per month to remain eligible. There is a 1,000 hour rollback in a 12 month period; this means if within the previous 12 months an employee has worked at least 1,000 hours they remain eligible for health and welfare benefits. Note that this is not determined in a calendar year it is a 12 month rolling period. The coverage will continue for a maximum of 4 months when using the 1,000 hour rollback to determine eligibility for health benefits. Below is a summary of benefits, please refer to the Summary Plan Description for greater detail.

1 North Old State | Old Capitol Plaza, Suite 525 | Springfield, Illinois 62701 | p: 1-866-724-5238 | Fax: (217) 522-6588 | www.railcet.net