II. In addition, please provide the following information: III.

Amanda R. Ledford, J.D. U.S. Department of Health and Human Services Office of Consumer Information and Insurance Oversight (301) 492-4260

INFORMATION NOT RELEASABLE TO THE PUBLIC UNLESS AUTHORIZED BY LAW: This information has not been publicly disclosed and may be privileged and confidential. It is for internal government use only and must not be disseminated, distributed, or copied to persons not authorized to receive the information. Unauthorized disclosure may result in prosecution to the full extent of the law.

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In order to complete your application, please provide this information by 5:00 pm, December 14, 2010. Once this information is received and the application is complete, it will be processed by the Department of Health and Human Services (HHS). As stated in our September 3, 2010 Sub-Regulatory Guidance, HHS will issue a decision within 30 days of receiving a complete application. You will receive an e-mail from HHS notifying you of the waiver decision. Thank you.

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Confirm whether the plan was in existence prior to March 23, 2010. If so, is the plan in compliance with grandfathering provisions, pursuant to 45 CFR 147.140? In your application, your plan(s) or policy(ies) provide a lifetime limit. Pursuant to Section 2711 of the PHS Act, you may not have any lifetime limit on your plan as of September 23, 2010, except in the case of nonessential benefits that are permitted under Federal or State law. Plans that previously had a lifetime limit may add an annual limit not less than the lifetime limit without affecting the grandfather status of the plan. Please confirm whether this lifetime limit will be eliminated from your plan. Confirm whether the plan was created pursuant to the Taft-Hartley Act.

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From: Ledford, Amanda (HHS/OCIIO) Sent: Monday, December 13, 2010 2:17 PM To: '[email protected]' Cc: Sheer, Jennifer (HHS/OCIIO) Subject: United Benefit Fund waiver application Attachments: Waiver Application Form.xls Dear Applicant: Thank you for your application for the Waiver of the Annual Limits Requirements of the Public Health Service Act (PHS Act) Section 2711. In order to expedite your application, please provide the following information: I. Please complete the entire annual limits spreadsheet, [attached to the email] [and available at: http://www.hhs.gov/ociio/regulations/annual_limit_waivers.html]. Please return the completed spreadsheet to this email address as an attachment. We will only be able to process spreadsheets that are fully complete (i.e., every cell should contain the information requested). If a cell on the spreadsheet does not pertain to your plan, please write None, and/or provide an explanation regarding why you are unable to complete that particular cell in a separate document.

file:///T|/...20[YELLOW]/United%20Benefit%20Fund/United%20Benefit%20Fund%20waiver%20application%20Dec%2013%202010.htm[07/14/2011 3:29:28 PM]

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INFORMATION NOT RELEASABLE TO THE PUBLIC UNLESS AUTHORIZED BY LAW: This information has not been publicly disclosed and may be privileged and confidential. It is for internal government use only and must not be disseminated, distributed, or copied to persons not authorized to receive the information. Unauthorized disclosure may result in prosecution to the full extent of the law.

file:///T|/...nefit%20Fund/Spreadsheet%20deadline%20United%20Benefit%20Fund%20waiver%20application%20Dec%2014%202010.htm[07/14/2011 3:29:30 PM]

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Hello, I apologize for the trouble in emailing me. As we have discussed, please return the completed spreadsheet to me by Friday, December 17. Thank you so much, Amanda R. Ledford, J.D. U.S. Department of Health and Human Services Office of Consumer Information and Insurance Oversight (301) 492-4260

From: Ledford, Amanda (HHS/OCIIO) Sent: Tuesday, December 14, 2010 12:02 PM To: '[email protected]'; '[email protected]' Cc: Sheer, Jennifer (HHS/OCIIO) Subject: Waiver application

UBenefit:000002

From: Ledford, Amanda (HHS/OCIIO) Sent: Friday, December 17, 2010 2:36 PM To: Sheer, Jennifer (HHS/OCIIO) Subject: FW: United Benefit Fund waiver application Attachments: UBF-waiver application spreadsheet.12.17.10.xls

17 State Street, 4 th Floor New York, NY 10004 (212) 269-2500

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Dear Ms. Ledford: On behalf of the United Benefit Fund (Fund), please find attached to this email the annual limits spreadsheet for the Funds thirteen (13) plans. We note that the dollar amounts listed in column AC of the spreadsheet reflect copays for In-Network providers. In response to your additional questions, please note the following: 1) All thirteen (13) plans were in existence prior to March 23, 2010, and are in compliance with the grandfathering provisions, pursuant to 45 CFR 147.140. 2) Any lifetime limits that do not comply with the applicable federal and/or state laws will be eliminated from the plans. 3) The Fund was created pursuant to the Taft-Hartley Act. If you have any questions or require additional information, please do not hesitate to contact the undersigned. Please provide confirmation of receipt of this email and the attachment. Thank you, Abigail R. Levy Abigail R. Levy, Esq. Gorlick, Kravitz & Listhaus, PC

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file:///T|/...OW]/United%20Benefit%20Fund/Reply%20United%20Benefit%20Fund%20waiver%20application%20Dec%2017%202010.htm[07/14/2011 3:29:30 PM]

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From: Michelle Berman [mailto:[email protected]] Sent: Friday, December 17, 2010 11:30 AM To: Ledford, Amanda (HHS/OCIIO) Cc: [email protected] Subject: United Benefit Fund waiver application

UBenefit:000003

From: Ledford, Amanda (HHS/OCIIO) Sent: Friday, December 17, 2010 11:54 AM To: 'Michelle Berman' Cc: '[email protected]'; Sheer, Jennifer (HHS/OCIIO) Subject: RE: United Benefit Fund waiver application
Abigail, I just wanted to let you know that I have received your email with the spreadsheet attachment. Thank you, Amanda Ledford From: Michelle Berman [mailto:[email protected]] Sent: Friday, December 17, 2010 11:30 AM To: Ledford, Amanda (HHS/OCIIO) Cc: [email protected] Subject: United Benefit Fund waiver application

Dear Ms. Ledford: On behalf of the United Benefit Fund (Fund), please find attached to this email the annual limits spreadsheet for the Funds thirteen (13) plans. We note that the dollar amounts listed in column AC of the spreadsheet reflect copays for In-Network providers. In response to your additional questions, please note the following: 1) All thirteen (13) plans were in existence prior to March 23, 2010, and are in compliance with the grandfathering provisions, pursuant to 45 CFR 147.140. 2) Any lifetime limits that do not comply with the applicable federal and/or state laws will be eliminated from the plans. 3) The Fund was created pursuant to the Taft-Hartley Act. If you have any questions or require additional information, please do not hesitate to contact the undersigned. Please provide confirmation of receipt of this email and the attachment. Thank you, Abigail R. Levy Abigail R. Levy, Esq. Gorlick, Kravitz & Listhaus, PC 17 State Street, 4 th Floor New York, NY 10004 (212) 269-2500

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file:///T|/...firm%20Receipt%20of%20Reply%20to%20United%20Benefit%20Fund%20waiver%20application%20Dec%2017%202010.htm[07/14/2011 3:29:31 PM]

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INFORMATION NOT RELEASABLE TO THE PUBLIC UNLESS AUTHORIZED BY LAW: This information has not been publicly disclosed and may be privileged and confidential. It is for internal government use only and must not be disseminated, distributed, or copied to persons not authorized to receive the information. Unauthorized disclosure may result in prosecution to the full extent of the law.

file:///T|/...efit%20Fund/CBA%20Info%20Request%20United%20Benefit%20Fund%20waiver%20application%20Dec%2021%202010.htm[07/14/2011 3:29:31 PM]

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Hi Abigail, Sorry to bother you again, but could you send me the dates the collective bargaining agreements expire for all of the plans included? Thank you so much, Amanda R. Ledford, J.D. U.S. Department of Health and Human Services Office of Consumer Information and Insurance Oversight (301) 492-4260

From: Ledford, Amanda (HHS/OCIIO) Sent: Tuesday, December 21, 2010 10:49 AM To: '[email protected]' Cc: Sheer, Jennifer (HHS/OCIIO) Subject: Waiver application--United Benefit Fund

UBenefit:000005

From: Ledford, Amanda (HHS/OCIIO) Sent: Tuesday, December 21, 2010 2:18 PM To: Sheer, Jennifer (HHS/OCIIO) Subject: FW: Waiver application--United Benefit Fund Attachments: UBF-table of CBA expiration dates.doc

Hi Abigail, Sorry to bother you again, but could you send me the dates the collective bargaining agreements expire for all of the plans included? Thank you so much, Amanda R. Ledford, J.D. U.S. Department of Health and Human Services Office of Consumer Information and Insurance Oversight (301) 492-4260

INFORMATION NOT RELEASABLE TO THE PUBLIC UNLESS AUTHORIZED BY LAW: This information has not been publicly disclosed and may be privileged and confidential. It is for internal government use only and must not be disseminated, distributed, or copied to persons not authorized to receive the information. Unauthorized disclosure may result in prosecution to the full extent of the law.

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From: Ledford, Amanda (HHS/OCIIO) [mailto:[email protected]] Sent: Tuesday, December 21, 2010 10:49 AM To: Abigail Levy Cc: Sheer, Jennifer (HHS/OCIIO) Subject: Waiver application--United Benefit Fund

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Amanda, No problem. Ive attached a chart showing the expiration dates for each collective bargaining agreement. Let me know if you have any questions. Regards, Abigail Levy

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From: Abigail Levy Sent: Tuesday, December 21, 2010 2:02 PM To: 'Ledford, Amanda (HHS/OCIIO)' Subject: RE: Waiver application--United Benefit Fund

file:///T|/...enefit%20Fund/CBA%20Info%20Reply%20United%20Benefit%20Fund%20waiver%20application%20Dec%2021%202010.htm[07/14/2011 3:29:32 PM]

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From: Michelle Berman [mailto:[email protected]] Sent: Tuesday, December 21, 2010 2:06 PM To: Ledford, Amanda (HHS/OCIIO) Cc: [email protected] Subject: Fw: Waiver application--United Benefit Fund

From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, January 12, 2011 11:18 AM To: '[email protected]' Cc: Habit, Sandra (HHS/OCIIO) Subject: United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711 Importance: High Attachments: Updated Jan 1 Approval Letter .pdf Good Morning, Thank you for submitting an application for a Waiver of the Annual Limits Requirements of the PHS Act Section 2711 for United Benefit Fund . HHS has reviewed your application and made its determination. Please see the attached letter. Please confirm receipt of this letter by replying to this e-mail. Please let me know if I can be of further assistance. Sincerely,

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Alexandra Botwinick Office of Oversight HHS/OCIIO

[email protected]

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file:///T|/...W/Applications%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Approval%201.12.11.htm[07/14/2011 3:29:32 PM]

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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, January 12, 2011 1:36 PM To: Habit, Sandra (HHS/OCIIO) Subject: FW: United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

thank you for your reply if your office needs anything from ubf please send directly to my attention thanks

DAVID DELUCIA ADMINISTRATOR UNITED BENEFIT FUND [email protected]

Good Morning, Thank you for submitting an application for a Waiver of the Annual Limits Requirements of the PHS Act Section 2711 for United Benefit Fund . HHS has reviewed your application and made its determination. Please see the attached letter. Please confirm receipt of this letter by replying to this e-mail. Please let me know if I can be of further assistance.
UBenefit:000008

file:///T|/...ions%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Approval%20receipt%201.12.11.htm[07/14/2011 3:29:32 PM]

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From: Botwinick, Alexandra (HHS/OCIIO) [mailto:[email protected]] Sent: Wednesday, January 12, 2011 11:18 AM To: David Delucia Cc: Habit, Sandra (HHS/OCIIO) Subject: United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711 Importance: High

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From: David Delucia [mailto:[email protected]] Sent: Wednesday, January 12, 2011 11:23 AM To: Botwinick, Alexandra (HHS/OCIIO) Subject: RE: United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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Alexandra Botwinick Office of Oversight HHS/OCIIO (301) 492-4177

[email protected]

 Sincerely,

Alexandra Botwinick Office of Oversight HHS/OCIIO

[email protected]

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file:///T|/...ions%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Approval%20receipt%201.12.11.htm[07/14/2011 3:29:32 PM]

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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, January 19, 2011 10:16 AM To: Habit, Sandra (HHS/OCIIO) Subject: FW: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

Ms. Berman, I apologize for the confusion. The approval applies to the following plans: MB Foods #3, MB Foods #4, Building Maintenance 2, Building Maintenance 1, Basic, Apollo, Cambridge B, Cambridge C, Cambridge , Sterling , Universal B, and Universal. I only have on a record 12 plans. Are you certain that there are 13?

file:///T|/...ns%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Possible%20oversight%201.19.11.htm[07/14/2011 3:29:33 PM]

Alexandra Botwinick Office of Oversight

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From: "Botwinick, Alexandra (HHS/OCIIO)" <[email protected]> To: Michelle Berman <[email protected]> Cc: "Habit, Sandra (HHS/OCIIO)" <[email protected]> Sent: Wed, January 19, 2011 8:28:53 AM Subject: RE: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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Dear Ms. Botwinick, Thank you for getting back to me. Yes, I am certain that there were 13 applications submitted. It looks like Cambridge E is missing from your list below. I know that it was sent in initially and it is on our spreadsheet. Maybe it was an oversight? If you could confirm that it is approved that would be great, if not please advise how we should proceed. Thank you for your help! Michelle

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From: Michelle Berman [mailto:[email protected]] Sent: Wednesday, January 19, 2011 9:41 AM To: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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Alexandra Botwinick Office of Oversight HHS/OCIIO (301) 492-4177

[email protected]

UBenefit:000010

HHS/OCIIO

[email protected]

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Michelle Berman, Paralegal Gorlick, Kravitz & Listhaus, PC 17 State Street, 4th Floor New York, New York 10004 (212) 269-2500 (212) 269-2540 (fax) NOTICE: The information contained in this electronic mail and any attachments is intended for the exclusive use of the addressee(s) and may contain confidential, privileged, and/or proprietary information. Any other use of these materials is strictly prohibited. If you have received these materials in error, please notify me immediately by telephone and destroy all electronic, paper or other versions. No representation is made by the sender that any e-mails and/or attachments are virus free, and are used at the intended recipient's sole risk. Unauthorized interception of this e-mail is a violation of federal criminal law.

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Dear Ms. Botwinick, Our firm is counsel the United Benefit Fund and we submitted the application for waiver to your office on its behalf. We are writing regarding the approval letter sent to Mr. Deluccia on January 12, 2011. We would like to confirm that the letter approves all thirteen applications we filed on behalf of the United Benefit Fund. Thank you in advance for your assistance in this matter. Michelle Berman Paralegal

From: Michelle Berman [mailto:[email protected]] Sent: Tuesday, January 18, 2011 4:47 PM To: Botwinick, Alexandra (HHS/OCIIO) Subject: United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

file:///T|/...ns%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Possible%20oversight%201.19.11.htm[07/14/2011 3:29:33 PM]

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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, January 19, 2011 2:55 PM To: Habit, Sandra (HHS/OCIIO) Subject: FW: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

Thanks Joe. Erica cut it off when she sent me the list.

[email protected]

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Alexandra Botwinick Office of Oversight HHS/OCIIO (301) 492-4177

I know that the spread sheet I forwarded along had Cambridge E on it, and I believe that it should have been approved, as it was about a 14 % increase. I have attached the doc I sent out. Thanks! Joe From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, January 19, 2011 10:14 AM To: Mercer, Joseph (HHS/OCIIO) Subject: FW: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

Hey Joe,
UBenefit:000012

file:///T|/...s%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Request%20for%20info%201.19.11.htm[07/14/2011 3:29:33 PM]

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From: Mercer, Joseph (HHS/OCIIO) Sent: Wednesday, January 19, 2011 1:39 PM To: Botwinick, Alexandra (HHS/OCIIO) Subject: RE: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, January 19, 2011 1:47 PM To: Mercer, Joseph (HHS/OCIIO) Subject: RE: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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Alexandra Botwinick Office of Oversight HHS/OCIIO (301) 492-4177

[email protected]

I think the below plan is yours United Benefit Fund. I sent them an approval letter and they wanted to confirm it was for all 13 plans. I only saw 12 on the spreadsheet that Erica gave me. They are listed below. Evidently we are missing the plan called Cambridge Edo you have that plan under this application? Thanks!

Alexandra Botwinick Office of Oversight HHS/OCIIO (301) 492-4177

[email protected]

Ms. Berman, I apologize for the confusion. The approval applies to the following plans: MB Foods #3, MB Foods #4, Building Maintenance 2, Building Maintenance 1, Basic, Apollo, Cambridge B, Cambridge C, Cambridge , Sterling , Universal B, and Universal. I only have on a record 12 plans. Are you certain that there are 13?

Alexandra Botwinick Office of Oversight HHS/OCIIO

[email protected]

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From: "Botwinick, Alexandra (HHS/OCIIO)" <[email protected]> To: Michelle Berman <[email protected]> Cc: "Habit, Sandra (HHS/OCIIO)" <[email protected]> Sent: Wed, January 19, 2011 8:28:53 AM Subject: RE: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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Dear Ms. Botwinick, Thank you for getting back to me. Yes, I am certain that there were 13 applications submitted. It looks like Cambridge E is missing from your list below. I know that it was sent in initially and it is on our spreadsheet. Maybe it was an oversight? If you could confirm that it is approved that would be great, if not please advise how we should proceed. Thank you for your help! Michelle

From: Michelle Berman [mailto:[email protected]] Sent: Wednesday, January 19, 2011 9:41 AM To: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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file:///T|/...s%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Request%20for%20info%201.19.11.htm[07/14/2011 3:29:33 PM]

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UBenefit:000013


From: Michelle Berman [mailto:[email protected]] Sent: Tuesday, January 18, 2011 4:47 PM To: Botwinick, Alexandra (HHS/OCIIO) Subject: United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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Michelle Berman, Paralegal Gorlick, Kravitz & Listhaus, PC 17 State Street, 4th Floor New York, New York 10004 (212) 269-2500 (212) 269-2540 (fax) NOTICE: The information contained in this electronic mail and any attachments is intended for the exclusive use of the addressee(s) and may contain confidential, privileged, and/or proprietary information. Any other use of these materials is strictly prohibited. If you have received these materials in error, please notify me immediately by telephone and destroy all electronic, paper or other versions. No representation is made by the sender that any e-mails and/or attachments are virus free, and are used at the intended recipient's sole risk. Unauthorized interception of this e-mail is a violation of federal criminal law.

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file:///T|/...s%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Request%20for%20info%201.19.11.htm[07/14/2011 3:29:33 PM]

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Dear Ms. Botwinick, Our firm is counsel the United Benefit Fund and we submitted the application for waiver to your office on its behalf. We are writing regarding the approval letter sent to Mr. Deluccia on January 12, 2011. We would like to confirm that the letter approves all thirteen applications we filed on behalf of the United Benefit Fund. Thank you in advance for your assistance in this matter. Michelle Berman Paralegal

UBenefit:000014

From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, January 19, 2011 8:29 AM To: 'Michelle Berman' Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711 Importance: High
Ms. Berman, I apologize for the confusion. The approval applies to the following plans: MB Foods #3, MB Foods #4, Building Maintenance 2, Building Maintenance 1, Basic, Apollo, Cambridge B, Cambridge C, Cambridge, Sterling, Universal B, and Universal. I only have on a record 12 plans. Are you certain that there are 13?

[email protected]

Michelle Berman, Paralegal Gorlick, Kravitz & Listhaus, PC 17 State Street, 4th Floor New York, New York 10004 (212) 269-2500 (212) 269-2540 (fax) NOTICE: The information contained in this electronic mail and any attachments is intended for the exclusive use of the addressee(s) and may contain confidential, privileged, and/or proprietary information. Any other use of these materials is strictly prohibited. If you have received these materials in error, please notify me immediately by telephone and destroy all electronic, paper or other versions. No representation is made by the sender that any e-mails and/or attachments are virus free, and are used at the intended recipient's sole risk. Unauthorized interception of this e-mail is a violation of federal criminal law.

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Dear Ms. Botwinick, Our firm is counsel the United Benefit Fund and we submitted the application for waiver to your office on its behalf. We are writing regarding the approval letter sent to Mr. Deluccia on January 12, 2011. We would like to confirm that the letter approves all thirteen applications we filed on behalf of the United Benefit Fund. Thank you in advance for your assistance in this matter. Michelle Berman Paralegal

From: Michelle Berman [mailto:[email protected]] Sent: Tuesday, January 18, 2011 4:47 PM To: Botwinick, Alexandra (HHS/OCIIO) Subject: United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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Alexandra Botwinick Office of Oversight HHS/OCIIO

file:///T|/...ns%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Question%20response%201.19.11.htm[07/14/2011 3:29:34 PM]

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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Wednesday, January 19, 2011 1:48 PM To: 'Michelle Berman' Cc: Habit, Sandra (HHS/OCIIO) Subject: RE: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711
Michelle, The approval letter applies to Cambridge E as well. Thank you for checking with us. Please let me know if I can be of further assistance. Thanks,

From: "Botwinick, Alexandra (HHS/OCIIO)" <[email protected]> To: Michelle Berman <[email protected]> Cc: "Habit, Sandra (HHS/OCIIO)" <[email protected]> Sent: Wed, January 19, 2011 8:28:53 AM Subject: RE: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

Ms. Berman, I apologize for the confusion. The approval applies to the following plans: MB Foods #3, MB Foods #4, Building Maintenance 2, Building Maintenance 1, Basic, Apollo, Cambridge B, Cambridge C, Cambridge , Sterling , Universal B, and Universal. I only have on a record 12 plans. Are you certain that there are 13?
UBenefit:000016

file:///T|/...0%20Response%20[YELLOW]/United%20Benefit%20Fund/Question%20response%20on%20Cambridge%20E%201.19.11.htm[07/14/2011 3:29:34 PM]

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Dear Ms. Botwinick, Thank you for getting back to me. Yes, I am certain that there were 13 applications submitted. It looks like Cambridge E is missing from your list below. I know that it was sent in initially and it is on our spreadsheet. Maybe it was an oversight? If you could confirm that it is approved that would be great, if not please advise how we should proceed. Thank you for your help! Michelle

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From: Michelle Berman [mailto:[email protected]] Sent: Wednesday, January 19, 2011 9:41 AM To: Botwinick, Alexandra (HHS/OCIIO) Subject: Re: Correspondence United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

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Alexandra Botwinick Office of Oversight HHS/OCIIO

[email protected]

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Alexandra Botwinick Office of Oversight HHS/OCIIO

[email protected]

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Michelle Berman, Paralegal Gorlick, Kravitz & Listhaus, PC 17 State Street, 4th Floor New York, New York 10004 (212) 269-2500 (212) 269-2540 (fax) NOTICE: The information contained in this electronic mail and any attachments is intended for the exclusive use of the addressee(s) and may contain confidential, privileged, and/or proprietary information. Any other use of these materials is strictly prohibited. If you have received these materials in error, please notify me immediately by telephone and destroy all electronic, paper or other versions. No representation is made by the sender that any e-mails and/or attachments are virus free, and are used at the intended recipient's sole risk. Unauthorized interception of this e-mail is a violation of federal criminal law.

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Dear Ms. Botwinick, Our firm is counsel the United Benefit Fund and we submitted the application for waiver to your office on its behalf. We are writing regarding the approval letter sent to Mr. Deluccia on January 12, 2011. We would like to confirm that the letter approves all thirteen applications we filed on behalf of the United Benefit Fund. Thank you in advance for your assistance in this matter. Michelle Berman Paralegal

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file:///T|/...0%20Response%20[YELLOW]/United%20Benefit%20Fund/Question%20response%20on%20Cambridge%20E%201.19.11.htm[07/14/2011 3:29:34 PM]

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From: Michelle Berman [mailto:[email protected]] Sent: Tuesday, January 18, 2011 4:47 PM To: Botwinick, Alexandra (HHS/OCIIO) Subject: United Benefit Fund Waiver of the Annual Limits Requirements of PHS Act Section 2711

UBenefit:000017

From: Botwinick, Alexandra (HHS/OCIIO) Sent: Monday, January 24, 2011 8:18 AM To: '[email protected]' Cc: Habit, Sandra (HHS/OCIIO) Subject: United Benefit Fund Plan Name Cambridge E Waiver of the Annual Limits Requirements 1-24-2011 Importance: High Attachments: January 1 Denial Letter .pdf Good Morning Mr. Delucia, I know you contacted me last week concerning United Benefit Funds 13th Plan Cambridge E, which you had not heard a determination on. In my haste to give you an answer concerning that plan I gave you incorrect information. I do apologize for the error and any inconvenience it causes. The reason that plan had been left off of the original approval list was not an oversight as I had assumed, but it was because it required further consideration. Upon further review of United Benefit Funds Plan Cambridge E, HHS has made its determination. Please see the attached letter. Please confirm receipt of this letter by replying to this e-mail. Once again, I do apologize for my error. Please let me know if I can be of further assistance.

[email protected]

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Alexandra Botwinick Office of Oversight HHS/OCIIO

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file:///T|/...OW/Applications%20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Denial%201.24.11.htm[07/14/2011 3:29:34 PM]

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UBenefit:000018

From: Botwinick, Alexandra (HHS/OCIIO) Sent: Monday, January 24, 2011 8:29 AM To: '[email protected]' Cc: Habit, Sandra (HHS/OCIIO) Subject: FW: United Benefit Fund Plan Names Cambridge C and Universal Waiver of the Annual Limits Requirements 1-24-2011 Importance: High Attachments: January 1 Denial Letter .pdf
Mr. Delucia, The below e-mail and attached letter additionally applies to the following plans: Cambridge C and Universal. Once again, I do

[email protected]

Good Morning Mr. Delucia, I know you contacted me last week concerning United Benefit Funds 13th Plan Cambridge E, which you had not heard a determination on. In my haste to give you an answer concerning that plan I gave you incorrect information. I do apologize for the error and any inconvenience it causes. The reason that plan had been left off of the original approval list was not an oversight as I had assumed, but it was because it required further consideration. Upon further review of United Benefit Funds Plan Cambridge E, HHS has made its determination. Please see the attached letter. Please confirm receipt of this letter by replying to this e-mail. Once again, I do apologize for my error. Please let me know if I can be of further assistance.

Alexandra Botwinick

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From: Botwinick, Alexandra (HHS/OCIIO) Sent: Monday, January 24, 2011 8:18 AM To: '[email protected]' Cc: Habit, Sandra (HHS/OCIIO) Subject: United Benefit Fund Plan Name Cambridge E Waiver of the Annual Limits Requirements 1-24-2011 Importance: High

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UBenefit:000019

Alexandra Botwinick Office of Oversight HHS/OCIIO

file:///T|/...20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Denial%20correspondence%201.24.11.htm[07/14/2011 3:29:35 PM]

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apologize for the error. In our push to get to all of the applications with January 1 st effective dates some miscommunications have occurred. Please be sure to let me know if I can be of any further assistance. Sincerely,

Office of Oversight HHS/OCIIO

[email protected]

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UBenefit:000020

file:///T|/...20with%20NO%2012600%20Response%20[YELLOW]/United%20Benefit%20Fund/Denial%20correspondence%201.24.11.htm[07/14/2011 3:29:35 PM]

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Annual Limit Waiver Request Applicant Name

Policy Name (use a new row for each policy Applicant (Plan/ Policy application) Situs) City

Applicant (Plan/ Policy Plan/ Policy Effective Situs) State Date (mm/dd/yyyy)

Contact Name

Street Address

City

State

Zip Code

Phone Number (including area code)

Email Address

Type of Coverage (e.g., Limited Benefit, HRA, Rx only, Other)

Self-Insured (Yes/No)

Individual or Group Policy

UnitedBenefitFund

MBFoods#3

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

ra do .c om
11379 (718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

MBFoods#3

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

MBFoods#4

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund UnitedBenefitFund

MBFoods#4 BuildingMaintenance2

MiddleVillage MiddleVillage

NY NY

01/01/2010 01/01/2010

DavidDelucia DavidDelucia

7415MetropolitanAve 7415MetropolitanAve

MiddleVillage MiddleVillage

NY NY

11379 11379

(718)4164020 (718)4164020

ddelucia@unitedbenefitfun LimitedBenefit ddelucia@unitedbenefitfun LimitedBenefit

No No

Group Group

UnitedBenefitFund

BuildingMaintenance2

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

BuildingMaintenance1

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

ol o
NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund UnitedBenefitFund

BuildingMaintenance1 Basic

MiddleVillage MiddleVillage

NY NY

01/01/2010 01/01/2010

DavidDelucia DavidDelucia

7415MetropolitanAve 7415MetropolitanAve

MiddleVillage

NY

11379 11379

(718)4164020 (718)4164020

ddelucia@unitedbenefitfun LimitedBenefit ddelucia@unitedbenefitfun LimitedBenefit

No No

Group Group

MiddleVillage

NY

UnitedBenefitFund

Basic

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

et eC
MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

Apollo

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

Apollo

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

Apollo

MiddleVillage

NY

01/01/2010

DavidDelucia

pl
7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

Apollo

MiddleVillage

NY

01/01/2010

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DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

CambridgeB

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

CambridgeB

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

CambridgeC

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UBenefit:000021

Annual Limit Waiver Request Applicant Name

Total Number of Policy Name (use a new Individuals Covered by row for each policy Policy (include all Current Plan Overall application) dependents covered) Annual Limit (in dollars)

Ambulatory

Emergency

Hospitalization

Laboratory

Pediatric

Maternity/ Newborn

Mental Health/ Substance Abuse

Rehabilitative/ Devices

Preventive/ Wellness

Prescription

Plan Deductible

IN NETWORK Copay (if applicable)

OUT OF NETWORK Coinsurance (if applicable)

(b)(4)

UnitedBenefitFund

MBFoods#3

UnitedBenefitFund

MBFoods#3

UnitedBenefitFund

MBFoods#4

UnitedBenefitFund UnitedBenefitFund

MBFoods#4 BuildingMaintenance2

UnitedBenefitFund

BuildingMaintenance2

UnitedBenefitFund

BuildingMaintenance1

UnitedBenefitFund UnitedBenefitFund

BuildingMaintenance1 Basic

UnitedBenefitFund

Basic

UnitedBenefitFund

Apollo

UnitedBenefitFund

Apollo

UnitedBenefitFund

Apollo

UnitedBenefitFund

Apollo

UnitedBenefitFund

CambridgeB

UnitedBenefitFund

CambridgeB

UnitedBenefitFund

CambridgeC

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et eC

ol o

ra do .c om

UBenefit:000022

Annual Limit Waiver Request Applicant Name

Policy Name (use a new row for each policy application)

Copay (if applicable)

Coinsurance (if applicable)

Copay (if applicable)

Coinsurance (if applicable)

Copay (if applicable)

Coinsurance (if applicable)

Individual/ Employee Tier*

Employee contribution (if applicable)

UnitedBenefitFund

MBFoods#3

UnitedBenefitFund

MBFoods#3

UnitedBenefitFund

MBFoods#4

UnitedBenefitFund UnitedBenefitFund

MBFoods#4 BuildingMaintenance2

UnitedBenefitFund

BuildingMaintenance2

UnitedBenefitFund

BuildingMaintenance1

UnitedBenefitFund UnitedBenefitFund

BuildingMaintenance1 Basic

UnitedBenefitFund

Basic

UnitedBenefitFund

Apollo

UnitedBenefitFund

Apollo

UnitedBenefitFund

Apollo

UnitedBenefitFund

Apollo

UnitedBenefitFund

CambridgeB

UnitedBenefitFund

CambridgeB

UnitedBenefitFund

CambridgeC

Co m

pl

et eC

ol o

ra do .c om

(b)(4)

UBenefit:000023

Annual Limit Waiver Request Applicant Name

Policy Name (use a new row for each policy Employer contribution application) (if applicable)

Total

Employee contribution (if applicable)

Employer contribution (if applicable)

Total

Employee contribution (if applicable)

Employer contribution (if applicable)

Total

Projected Rate Increase that would result from Decrease in Access to compliance with Benefits that would $750,000 Annual Limit result from compliance Restriction (in with $750,000 Annual dollars)(Average Plan Administrator/ Limit Restriction Premium by Individual) CEO of Health (Difference of Column (describe briefly in cell Insurance Issuer Name or in a separate file) AT and AQ divided by

Title of Individual Providing Attestation

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(b)(4)

UnitedBenefitFund

MBFoods#3

Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary

DavidDelucia

PlanAdministrator

UnitedBenefitFund

MBFoods#3

DavidDelucia

PlanAdministrator

UnitedBenefitFund

MBFoods#4

DavidDelucia

PlanAdministrator

UnitedBenefitFund UnitedBenefitFund

MBFoods#4 BuildingMaintenance2

Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary

DavidDelucia DavidDelucia

PlanAdministrator PlanAdministrator

UnitedBenefitFund

BuildingMaintenance2

DavidDelucia

PlanAdministrator

UnitedBenefitFund

BuildingMaintenance1

DavidDelucia

PlanAdministrator

UnitedBenefitFund UnitedBenefitFund

BuildingMaintenance1 Basic

Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Significantcutsand/or elimination ofbenefitstoparticipants wouldbenecessary

DavidDelucia DavidDelucia

PlanAdministrator PlanAdministrator

UnitedBenefitFund

Basic

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Apollo

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Apollo

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Apollo

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Apollo

DavidDelucia

PlanAdministrator

UnitedBenefitFund

CambridgeB

DavidDelucia

PlanAdministrator

UnitedBenefitFund

CambridgeB

DavidDelucia

PlanAdministrator

UnitedBenefitFund

CambridgeC

DavidDelucia

PlanAdministrator

UBenefit:000024

Annual Limit Waiver Request Applicant Name

Policy Name (use a new row for each policy Applicant (Plan/ Policy application) Situs) City

Applicant (Plan/ Policy Plan/ Policy Effective Situs) State Date (mm/dd/yyyy)

Contact Name

Street Address

City

State

Zip Code

Phone Number (including area code)

Email Address

Type of Coverage (e.g., Limited Benefit, HRA, Rx only, Other)

Self-Insured (Yes/No)

Individual or Group Policy

UnitedBenefitFund

CambridgeC

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

ra do .c om
11379 (718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

CambridgeE

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

CambridgeE

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

Cambridge

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

Cambridge

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

Sterling

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

Sterling

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

ol o
NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

UniversalB

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

UniversalB

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

et eC
MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UnitedBenefitFund

Universal

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

Co m

pl

UnitedBenefitFund

Universal

MiddleVillage

NY

01/01/2010

DavidDelucia

7415MetropolitanAve

MiddleVillage

NY

11379

(718)4164020

ddelucia@unitedbenefitfun LimitedBenefit

No

Group

UBenefit:000025

Annual Limit Waiver Request Applicant Name

Total Number of Policy Name (use a new Individuals Covered by row for each policy Policy (include all Current Plan Overall application) dependents covered) Annual Limit (in dollars)

Ambulatory

Emergency

Hospitalization

Laboratory

Pediatric

Maternity/ Newborn

Mental Health/ Substance Abuse

Rehabilitative/ Devices

Preventive/ Wellness

Prescription

Plan Deductible

IN NETWORK Copay (if applicable)

OUT OF NETWORK Coinsurance (if applicable)

(b)(4)

UnitedBenefitFund

CambridgeC

UnitedBenefitFund

CambridgeE

UnitedBenefitFund

CambridgeE

UnitedBenefitFund

Cambridge

UnitedBenefitFund

Cambridge

UnitedBenefitFund

Sterling

UnitedBenefitFund

Sterling

UnitedBenefitFund

UniversalB

UnitedBenefitFund

UniversalB

UnitedBenefitFund

Universal

Co m

pl

UnitedBenefitFund

Universal

et eC

ol o

ra do .c om

UBenefit:000026

Annual Limit Waiver Request Applicant Name

Policy Name (use a new row for each policy application)

Copay (if applicable)

Coinsurance (if applicable)

Copay (if applicable)

Coinsurance (if applicable)

Copay (if applicable)

Coinsurance (if applicable)

Individual/ Employee Tier*

Employee contribution (if applicable)

UnitedBenefitFund

CambridgeC

UnitedBenefitFund

CambridgeE

UnitedBenefitFund

CambridgeE

UnitedBenefitFund

Cambridge

UnitedBenefitFund

Cambridge

UnitedBenefitFund

Sterling

UnitedBenefitFund

Sterling

UnitedBenefitFund

UniversalB

UnitedBenefitFund

UniversalB

UnitedBenefitFund

Universal

Co m

pl

UnitedBenefitFund

Universal

et eC

ol o

ra do .c om

(b)(4)

UBenefit:000027

Annual Limit Waiver Request Applicant Name

Policy Name (use a new row for each policy Employer contribution application) (if applicable)

Total

Employee contribution (if applicable)

Employer contribution (if applicable)

Total

Employee contribution (if applicable)

Employer contribution (if applicable)

Total

Projected Rate Increase that would result from Decrease in Access to compliance with Benefits that would $750,000 Annual Limit result from compliance Restriction (in with $750,000 Annual dollars)(Average Plan Administrator/ Limit Restriction Premium by Individual) CEO of Health (Difference of Column (describe briefly in cell Insurance Issuer Name or in a separate file) AT and AQ divided by

Title of Individual Providing Attestation

UnitedBenefitFund

CambridgeC

ra do .c om ol o et eC Co m pl

(b)(4)

Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Significantcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary

DavidDelucia

PlanAdministrator

UnitedBenefitFund

CambridgeE

DavidDelucia

PlanAdministrator

UnitedBenefitFund

CambridgeE

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Cambridge

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Cambridge

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Sterling

Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Sterling

DavidDelucia

PlanAdministrator

UnitedBenefitFund

UniversalB

DavidDelucia

PlanAdministrator

UnitedBenefitFund

UniversalB

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Universal

Significantcutsand/or elimination ofbenefitstoparticipants wouldbenecessary Drasticcutsand/or elimination ofbenefitstoparticipants wouldbenecessary

DavidDelucia

PlanAdministrator

UnitedBenefitFund

Universal

DavidDelucia

PlanAdministrator

UBenefit:000028

MB Foods 3 & 4 Building Maintenance 2

Building Maintenance Basic

Aqua Urban Renewal LLC Royal Recycling Services, Inc.

Co m

pl

Apollo Cambridge B Cambridge C Cambridge E Cambridge Sterling Universal B Universal

Harbor Freight Transport Five Star Parking Hartz Mountain Corp. Connexxys, Inc. Crown Sanitation, Inc. Aramark Educational Services Muss Development LLC J & B Contracting

et eC

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(b)(4)

PLAN NAME

COLLECTIVE BARGAINING AGREEMENT MB Foods Galaxy Towers Condominium

CBA EXPIRATION DATE

UBenefit:000029

Co m pl et eC ol o ra do . co m

UBenefit:000030

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Pages 142 through 162 redacted for the following reasons: ---------------------------Exemption 4

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Pages 166 through 207 redacted for the following reasons: ---------------------------Exemption 4

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Ex. 4

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Pages 210 through 232 redacted for the following reasons: ---------------------------Exemption 4

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Ex. 4

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Pages 235 through 270 redacted for the following reasons: ---------------------------Exemption 4

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Ex. 4

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Pages 273 through 299 redacted for the following reasons: ---------------------------Exemption 4

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Pages 303 through 321 redacted for the following reasons: ---------------------------Exemption 4

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Pages 324 through 348 redacted for the following reasons: ---------------------------Exemption 4

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UBenefit:000063

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Pages 352 through 365 redacted for the following reasons: ---------------------------Exemption 4

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