PARTICIPATION UNDER THE PLAN

If You Become Disabled

If you become disabled and qualify for Workers’ Compensation benefits or accident and sickness benefits under a local port plan, you will receive credited hours during the period of your disability for purposes of determining your eligibility under this Plan for future coverage. Hours will be credited in the contract year in which you are disabled based upon a rate determined by the benefit plan for which you qualified in the prior contract year.

Disability credited hours will be granted at the following rates per week and, pro-rated for a partial week, assuming a five day work week:

For example, if you were disabled beginning August 29, 2007, when you were covered in the Basic Plan and your disability continued past September 30, 2007, you would receive 92 disability credited hours for the contract year ending September 30, 2007 (4.6 weeks times 20 hours per week). If you had earned at least 1,208 credited hours because of work during that contract year, you would have qualified for the Premier Plan in the 2008 calendar year and you would receive disability credited hours at the rate of 26 hours per week beginning in the first week in October 2007.

If you become disabled and qualify for Workers’ Compensation benefits or accident and sickness benefits under a local port plan before you are covered for MILA benefits, you will not receive disability credited hours for the remainder of that contract year. Thereafter, if you remain disabled, disability credited hours will accrue from the beginning of the next contract year at the rate for the Benefit Plan for which you qualified in the previous contract year.

For example, if you were not covered in MILA but you had earned 1,208 credited hours when you were disabled on August 29, 2007, you would not receive disability credited hours for the contract year ending September 30, 2007. Beginning October 1, if you continued to be disabled, you would have earned credited hours at the rate of 20 hours per week, the rate for the Basic Plan, the Plan for which you will qualify on January 1, 2008.

You will receive these credits for up to a total of 36 months while you are disabled for all periods of disability. If you exhaust your 36 months of disability credit, you may apply for an additional 12 months of disability credited hours by submitting to an examination by an independent physician selected by MILA who must certify that you were disabled as of the beginning of the extension period. The requirement for an independent examination will be waived if the Member’s physician and the employer’s physician agree that the Member is disabled. You may apply for more than one 12 month extension.

You will continue to receive disability credited hours even after payments from Workers’ Compensation or a local accident and sickness program run out, provided you: