TRUSTEES BOSTON TEACHERS UNIONPATRICK J. CONNOLLY, Chair

DIANA M. ESPOSITO, Secretary HEALTH AND WELFARE FUNDCHRISTINE A. LANGHOFF 180 MOUNT VERNON STREETJAMES PHILIP

MARC R.. SEIDENBOSTON, MASSACHUSETTS 02125- 3198

617) 288- 0500

EUGENE M. McGLYNN Announcing Significant Benefit ImprovementsFund Administrator

Dear Teacher and Family:

The Trustees of the Boston Teachers Union Health and Welfare Fund are very pleased to announce anarray of significant benefit improvements. Dental, vision and hearing aid benefits will all improve,effective as of September 1, 2013.

Dental Improvements

For Type I, II and III services, the Standard and Harvard Dental Schedules will beequivalent to the following coverage levels:*

Overall, as of September 1, 2013, the Standard Plan Schedule will coverapproximately 86% of Delta Dental PPO dentists' charges, and it will cover

approximately 67% of Delta Dental Premier dentists' charges. Overall, the HarvardPlan Schedule will cover approximately 82% of dentists' charges at the HarvardDental Center.

The annual maximum for Types I, II and III services ( other than orthodontia) for bothPlans will increase from $2,000 to $2,400 per person.

To your advantage, any dental work already in progress as of September 1, 2013 willbe covered according to the new Dental Schedule reimbursement amounts in effect asof September 1, 2013.

For covered implant procedures, there is a separate new annual maximum of$ 1, 000 perperson for the Standard Plan, and $ 1, 000 per person for the Harvard Plan. To yourbenefit, implant-related procedures ( abutments and crowns) will be applied toward theoverall annual maximum of$2,400 per person.

The lifetime orthodontia maximum under the Standard and Harvard Plans will increasefrom $ 2,000 to $ 3, 000 per person. Also, under both Plans, the method for reimbursingcovered orthodontia expenses will help to ensure that Teachers and their covereddependents receive the full lifetime orthodontia maximum of$3, 000 per person.

For both Plans, the reimbursement for covered orthodontia benefits will be based on24 months ofactive treatment and the dentist' s total submitted case fee, which will bedivided by 12 months to determine the monthly payment amount. This amount will bepaid out over a 12- month period until the $ 3, 000 lifetime maximum has been reached.The first payment is based on the date of banding ( the date that braces are placed),and additional monthly payments will be issued automatically assuming the memberor covered dependent is still eligible for orthodontia benefits.

This orthodontia enhancement also applies to open cases on a pro- rated basis. If aTeacher or a covered dependent is still within the 24 months of treatment and has notreceived the full $3, 000 lifetime maximum amount, your claim may be submitted to see ifthere are any available additional benefits.

Out-of-network dental services are likely subject to higher out-of-pocket expenses.

Coverage levels will vary according to Type. Type I ( Diagnostic and Preventive), Type II( Basic Restorative), andType III(Major Restorative) Services.

06/ 10/ 2013

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Benefit Improvements at the Eye Care Center

All Teachers and covered dependents will be entitled to an eye examination and one pairof prescription eyeglasses once each year.

Polycarbonate lenses will be available to all Teachers and covered dependents at noadditional cost.

Branded Designer Label frames will be available at no additional cost ( the current co-payment will no longer be payable).

Co- payments for the following lenses will be reduced, as reflected below:

Current NewLens Co-Payment Co-PaymentTransition Lenses or Polarized 71. 00 35. 00Vantage (polarized-I- transition) 135. 00 90.00Anti-reflection coating 51. 00 15. 00High index lenses 65. 00 25. 00Photogray extra 18. 00 5. 00U-V coating* 12. 00 5. 00Scratch coating* 14. 00 5. 00

These items are already provided as part of the basic material in Transitions andpolycarbonate lenses and often may not require an additional copayment.

Progressive Additional Lenses, commonly referred to as invisible bifocals, will be madeavailable in additional newer technology types and varieties.

N These improvements will be effective September 1, 2013 and will not apply before theeffective date.

Hearing Aid Improvements

The amount of the available hearing aid benefit will be increased from $ 1, 200 ($ 600 per ear) to5, 000 ($ 2, 500 per ear), available once every five years or sooner if the prescription changes.

We trust that these benefit enhancements will be very valuable to you and your family.

If you have questions about the Standard Plan, please call Delta Dental' s Customer Service Departmentat 1- 800- 872- 0500. For any questions about the Harvard Plan, please call the Customer ServiceDepartment of New England Dental Administrators ( NEDA) at 1- 800-253- 1358. Of course, as always,please feel free to contact the Fund Office at ( 617) 288- 0500 with any questions you may have aboutyour benefits.

Sincerely,

Board of Trustees

Patrick J. Connolly, ChairDiana M. Esposito, SecretaryChristine A. Langhoff

James A. PhilipMarc R. Seiden

Due to these enhancements, the annual dental open enrollment period has been extended until Monday,July 15, 2013 at 4: 00 pm.

06/ 10/ 2013

TRUSTEES

BOSTON TEACHERS UNIONPATRICK J. CONNOLLY, ChairDIANA M. ESPOSITO, Secretary

HEALTH AND WELFARE FUNDCHRISTINE A. LANGHOFFJAMES A. PHILIP 180 MOUNT VERNON STREETYOLANDA POKASKI

BOSTON, MASSACHUSETTS 02125- 3198EUGENE M. McGLYNN 617) 288-0500

Fund Administrator ANNOUNCING AN ENHANCEMENTIN YOUR ORTHODONTIA BENEFIT UNDER THE STANDARD PLAN

Dear Member:

Effective January 1, 2011, the Trustees of the Boston Teachers Union Health and WelfareFund are pleased to modify the method for reimbursing orthodontia benefits under theStandard Dental Plan. The goal is to help to ensure that Teachers and their covereddependents receive the full lifetime orthodontia maximum of$ 2,000 per person.

Orthodontic services and supplies are those necessary and appropriate to prevent andcorrect misalignment of the teeth. The misalignment must be severe enough tosignificantly interfere with the function of the teeth.*

Effective as ofJanuary 1, 2011, the reimbursement for orthodontiabenefits will be based on 24 months ofactive treatment, and the dentist' stotal submitted case fee, which will be divided by 12 months to determinethe monthly payment amount. This amount will be paid out over a 12-month period until the $ 2, 000 lifetime maximum has been reached. The

first payment is based on the date ofbanding (the date that braces areplaced), and additional monthly payments will be issued automaticallyassuming the member or covered dependent is still eligible,for orthodontiabenefits.

Benefits for services ofnon- participating Delta Dental dentists are limited to charges upto 80% of the amount specified. You pay charges in excess of that payment and the

2, 000 lifetime maximum.

This enhancement also applies to open cases on a pro-rated basis. If a Teacher or acovered dependent is still within the 24 months of treatment and has not received the full

2, 000 lifetime maximum amount, your claim may be submitted to Delta Dental to see ifthere are any available additional benefits.

Please feel free to contact the Fund Office at ( 617) 288- 0500 with any questions.

Sincerely,

Board of Trustees7364576v2

s

The following Orthodontia Exclusions will still apply:

1) Surgical services; including orthognathic surgery;( 2) lost or stolen devices;( 3) muscles exercised to preventor correct misalignment ofthe teeth( called Myofunctional Therapy); and( 4) artificial devices to increase theheight of teeth. This includes crowns and onlays.

BOSTON TEACHERS UNION

HEALTH & WELFARE FUND180 MOUNT VERNON STREET

BOSTON, MASSACHUSETTS 02125- 3198

TEL:( 617) 288- 0500EUGENE M. McGLYNN

Fund Administrator ANNOUNCING PLAN ENHANCEMENTS

December 31, 2008

Dear Teacher and Family:

The Trustees of the Boston Teachers Union Health and Welfare Fund are very pleased toannounce several enhancements in the Dental Benefits and Eye Care Benefits provided by theFund, effective as of January 1, 2009. These enhancements are possible primarily because of thefavorable collective bargaining agreements negotiated between the Boston Teachers Union andthe Boston School Committee acting for the City of Boston.

Dental Benefits

Under both the Standard Option and the Harvard Option, coverage will be added for single

tooth implants ( code D6010 surgical —endosteal implant). Payments for single tooth

implants will accrue toward the Plan' s annual maximum for Types I, II and III services.

Implants can be selected as a treatment option for replacing missing teeth, as an alternative toother available treatment options, such as bridges and dentures.

The Standard Option annual maximum for Type I (Diagnostic and Preventive), Type IIMinor Restorative), and Type III (Major Restorative) services will increase from $ 1, 725 per

person per year to $ 2, 000 per person per year. With this change, the annual maximum for

Types I, II and III services will be the same under the Standard and Harvard Options.

Eye Care Benefits— New Contact Lens Services for Teachers

The following contact lens services will be available at the Eye Care Center. At this time, thecontact lens benefits will be for Teachers only, with the benefit not being transferable to a familymember*.

Routine eye examination, per the covered Fund benefit.

Routine eye examination and evaluation of currently worn soft contact lenses, anddetermination of a prescription for new soft contact lenses.

Routine eye examination and initial fitting of soft contact lenses.

Instruction on the proper wearing, handling, cleaning and care of new soft contact lenses.

Progress check on vision and ocular health status of a patient currently wearing soft contactlenses prescribed at the Eye Care Center.

Current allowancePr medically needed contact lenses will not change.

There will be some contact lens categories and individual eye conditions that will not be coveredby this new contact lens program. If any of those limitations are applicable to your individualsituation, they will be discussed by the doctors during your examination.

If you want to receive any of the contact lens services described above, please telephone the EyeCare Center at( 617) 288- 5540 so that your eligibility can be determined. After your eligibilityis confirmed, these contact lens services will be scheduled on an as needed basis as determinedby the doctors at the Eye Care Center.

These Eye Care benefits do not cover the cost of contact lenses, materials or supplies. The EyeCare Center will provide information on options for the purchase of the contact lenses.Options for the purchase of contact lenses will be available to Teachers and their eligibledependents.

As always, please call the Fund Office at ( 617) 288-0500 if you have any questions.

Sincerely,

Eugene M McGlynn

Eugene M. McGlynn

Fund Administrator

BOSTON TEACHERS UNION

HEALTH & WELFARE FUND180 MOUNT VERNON STREET

BOSTON, MASSACHUSETTS 02125- 3198

TEL:( 617) 288- 0500

EUGENE M. McGLYNN

Fund Administrator

August 4, 2008

Dear Covered Teacher:

Each year the Boston School Department is required to make a contribution to the Health andWelfare Fund for each Teacher employed in the Teachers' bargaining unit at the start of theschool year. You are not covered under the Health and Welfare Fund for any school year untilit is determined that you are included in that bargaining unit. The Boston School Department willmake a payment on your behalf for that year and your coverage is retroactive to your effectivestart date.

This is being pointed out to you as any dental work done after September 1, 2008 cannot beprocessed until it is determined that a contribution is due for you. COBRA participants are notsubjected to this interruption in coverage. Newly hired Teachers and returning Teachers donot have certifiable coverage until acknowledgement is received from the Boston SchoolDepartment.

There will be a delay in claims processing at the beginning of every school year. It is possiblethat a backlog of claims may be accumulated which will take longer than usual to process.Claims submitted for work completed prior to September 1, 2008 will not be affected by

this delay.

Benefit payments are made directly to your dentist regardless of your selected coverage ofDelta Dental or the Harvard Faculty coverage. Please avoid scheduling appointments duringSeptember or October. Most dentists are aware of the lapse in coverage. You may find yourdentist will expect full payment from you for any dental work performed after September 1 anduntil your eligibility is re- established.

Other benefits of the Fund such as the Pre- paid Legal Plan and the Eye Care Center are also

affected by this situation, but to a lesser degree. You will be required to provide copies of yourpaystub for the 2008- 2009 school year prior to being authorized to utilize the Pre- paid LegalPlan and the Eye Care Center.

Sincerely,

1. -ne M. M ynn

d Administrator

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GENERAL REMINDERS

Please advise the Boston Teachers Union Health and Welfare Fund Office of addresschanges throughout the year.

It is necessary to notify the Fund Office of any changes in your family status by reasonof marriage, birth of a child, death, divorce, or legal separation after the date you

become a Covered Teacher. Failure to file the required information may delay paymentof benefits to you or your dependents.

You must submit a completed Health and Welfare Fund Enrollment Card to the Fund

Office before you can obtain benefits.

You are required to furnish the proof of a dependent child' s attendance at an accredited

school, college or university as a full-time student upon attainment of age 19. Studentverification must be submitted to the Fund Office twice each year on an original form

which contains the accredited institution' s seal.

All Covered Teachers can receive prescription safety goggles in lieu of the regulareyeglass benefit.