ARTICLE X
HEALTH AND WELFARE

Employees of the former UP who are working under the collective bargaining agreement designated in Article IV.A. of this Implementing Agreement belong to the Union Pacific Hospital Association. Former SSW employees are presently covered under United Health Care (former Travelers GA-23000) benefits. Said former SSW employees will have ninety (90) days from date of implementation to make an election as to keeping their old Health and Welfare coverage or coming under the health and welfare coverage provided by the designated CBA. Any employee who fails to exercise said option shall be considered as having elected to retain existing coverage. Employees hired after the date of implementation will be covered under the plan provided for in the surviving CBA. Copy of the form to be used to exercise the option described above is attached as Attachment "D" to this Agreement.