St. Louis Graphic Arts Joint Health & Welfare Fund

	September 6, 2010

The Trustees have the authority under Section 3.02 and Section 6.01 of the St. Louis Graphic Arts Joint Health & Welfare Fund Trust Agreement of August 1, 1979, to amend the Plan. Under this authority, the Trustees hereby amend the Summary Plan Description of November 1, 2006 in accordance with Michelle's Law, Public Law No: 110-381, to provide continued coverage for Qualified Dependents who are between the ages of 19 and 25 and who would otherwise lose coverage because their status as full-time students ended as a result of a severe illness or injury.

AMENDMENT

Section 1.1.4.4 of the Summary Plan Description is amended as follows:

4. An unmarried Child between the ages of 19 and 23 as long as (1) the child otherwise meets this definition of dependent; (2) is enrolled as a full-time student at an Educational Institution; (3) lives with the Employee more than half the year (a student residing in a dorm or other temporary housing for the purposes of attending school will be deemed to be living with the Employee); and (4) receives at least half his or her financial support from the Employee.

a) Full-time enrollment means a minimum of twelve semester or quarter hours, unless the school's definition of full-time attendance is different in which case the school's definition will control.

b) For purposes of this Plan, an "Educational Institution" includes accredited high schools, colleges, universities, and vocational schools; as well as licensed technical, beautician, automotive and similar technical schools. On the job training courses, correspondence schools, and night schools not attended as part of a full-time degree program do not satisfy this definition.

c) For purposes of this Plan there are two coverage periods: the Spring coverage period is January 1 through August 31 and the Fall coverage period is September 1 through December 31.

d) It is the responsibility of the Employee or student to provide proof of full-time student status for each coverage period. In order to assure no break in coverage, verification must be submitted to Benefit Consultants prior to the start of the coverage period. Full-time student verification forms which include pre-enrollment verification may be obtained from the Fund office or the Participant or student may furnish a standard document issued by the school for the purpose of confirming full-time student enrollment, provided the school's document includes the following information: Identification of the student by name, address and date of birth; the school's definition of full-time student; verification that the student is currently enrolled or pre-enrolled as a full-time student; the period for which the student is enrolled; and whether the student will be graduating at the end of the school term.

e) A dependent who has provided proof of enrollment prior to the start of the coverage period and meets the requirements of a full-time student for any part of a Plan coverage period will be covered for that full coverage period. Except that if a dependent graduates or drops out and is not enrolled or pre-enrolled in another Educational Institution then coverage ends at the actual end of the school term and does not continue until the end of the coverage period. For example, a student is enrolled full-time as a junior in an Educational Institution. Coverage will continue until August 31 of that year. The next year the student graduates on May 20, which is the end of the school's semester, and is not enrolled in graduate school. That year coverage ends on May 20. The child no longer meets the definition of dependent for this Plan but may be eligible for COBRA.

f) If verification is not furnished prior to the coverage period but is furnished within thirty (30) days after the beginning of the school's term or the coverage period then eligibility will be reinstated retroactively to the beginning of the applicable school term or coverage period. For example, if a dependent age 20 who has been out of school since age 18 enrolls in a program beginning March 1, that child will again be an eligible dependent effective January 1 (the start of the coverage period) if the enrollment information is provided before February 1. If the enrollment information is not provided prior to February 1, but is provided prior to April 1 (30 days after the start of the school term), then eligibility will begin March 1 (the start of the school term). In either case coverage continues through August 31.

g) Full-time student status as defined in this section need not be continuous. Eligibility is based on student status and verification for each coverage period.

h) It is the responsibility of the student and the Employee to inform Benefit Consultants of the student's graduation or other termination of enrollment. If Benefit Consultants is not informed and benefits are paid after graduation or termination of enrollment then the student and Employee are both responsible for reimbursing the Fund for any amounts paid on claims incurred after graduation or termination of enrollment. If necessary, the Fund has a right to recoup improperly paid benefits by withholding future benefits.

i) In the case of a child whose coverage is continuing after age 19 under this provision and who incurs medically necessary leave of absence from school or suffers a severe illness or injury which prevents such child from enrolling as a full-time student for the next coverage period, then the child will not cease to be a dependent before the earlier of: (1) one year after the first day of the medically necessary leave of absence; or (2) the date on which the child's status as a dependent would otherwise terminate under the terms of the Plan. To continue coverage under this provision, the Plan must be provided with certification from the child's attending physician.

	St. Louis Graphic Arts Joint Health & Welfare Fund 14323 South Outer Forty Rd. - Suite S106 Chesterfield, Missouri 63017	Fund Office: (314) 878-1579 twesthues@slgahw.org Fax: (314) 275-2640
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