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IS SUBJECT TO THIS EXEMPTION. <br /> <br />THE EXEMPTION FROM THESE FEDERAL REQUIREMENTS WILL BE IN EFFECT FOR THE 2004 PLAN <br /> <br />YEAR BEGINNING MAY 1, 2004, AND ENDING APRIL 30, 2005. THE ELECTION MAY BE RENEWED FOR <br />SUBSEQUENT PLAN YEARS. <br /> <br />HIPAA ALSO REQUIRES THE PLAN TO PROVIDE COVERED EMPLOYEES AND DEPENDENTS WITH A <br /> <br />"CERTIFICATE OF CREDITABLE COVERAGE" WHEN THEY CEASE TO BE COVERED UNDER THE PLAN. <br />THERE IS NO EXEMPTION FROM THIS REQUIREMENT. THE CERTIFICATE PROVIDES EVIDENCE THAT <br />YOU WERE COVERED UNDER THIS PLAN, BECAUSE IF YOU CAN ESTABLISH YOUR PRIOR COVERAGE, <br />YOU MAY BE ENTITLED TO CERTAIN RIGHTS TO REDUCE OR ELIMINATE A PREEXISTING CONDITION <br /> <br />EXCLUSION IF YOU JOIN ANOTHER EMPLOYER'S HEALTH PLAN, OR IF YOU WISH TO PURCHASE AN <br />INDIVIDUAL HEALTH INSURANCE POLICY. IF YOU HAVE ANY QUESTIONS, CONTACT TERRI LEIGH <br />MADDING AT 784-9288. <br /> <br /> <br />