Article VI – National Dental Plan

A National Dental Plan will be established to be effective March 1, 1976 with features as described in Memorandum identified as “Description of National Dental Plan” (Attachment 2). The plan will be established and administered as follows:

1. The entire cost of the dental plan will be borne by the railroads.
2. The railroads and the unions will jointly invite insurers to submit proposals and will select the insurer that submits the most favorable proposal to issue an insurance contract to the railroads as the policyholder.
3. The insurer will furnish financial data, statistical and actuarial reports, and claim experience information to the unions in the same detail and at the same time that such data is furnished to the railroads.
4. Any dividends or retroactive rate refunds or credits will be paid into a special fund established for that purpose and held by the insurer. Withdrawals from the fund may be made only to provide dental care benefits to employees unless otherwise agreed to.
5. No notices relating to dental benefits or their financing shall be served prior to January 1, 1977 (not to become effective before January 1, 1978). If no agreement is reached before January 1, 1978, the railroads party to this agreement will continue premium payments at the previously established rates until changed under the Railway Labor Act, and will provide benefits that can be financed from those payments.