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SUNNYISLES 5395246 City of Sunny Isles Beach PARTICIPATION REQUIREMENTS If the dental plan is provided on a noncontributory basis (the employer pays the entire premium), 100% of eligible persons must be enrolled in the plan. If the dental plan is contributory, no less than 75% of eligible employees and 60% of eligible dependent units must be enrolled. There are two exceptions to these requirements: If an employee and/or dependent is covered by another group dental plan, that person(s) will not be counted as an eligible person, if a signed waiver card is submitted. However, if 30% or more of eligible employees do not enroll because of other coverage, the plan may be reevaluated and new rates illustrated. When a husband and wife are employed by the same company and have dependent children to enroll, then either the husband or the wife may be covered as a dependent of the other spouse. In any event, a minimum of 10 employees must be enrolled. A minimum of 8 family units must be covered in order to include - or continue - coverage for Orthodontics. PREFERRED PROVIDER OPTION* The dental Preferred Provider Option (PPO) allows each employee and each dependent to select the dentist of his or her choice n each time he or she goes to the dentist. In-Network benefits are payable when the patient receives treatment from a dentist who is participating in the dental network. With the PPO, employers and employees can save in several ways: Negotiated discounts from participating dentists may allow lower premium rates for a dental plan which includes a Preferred Provider option, due to expected lower claim costs. Those discounted fees can reduce the amount a participating dentist would charge the patient. The PPO dental plan can include a higher level of reimbursement when patients visit a participating dentist. *inside Texas - Contracting Dentist Plan DIRECTORY OF PARTICIPATING/CONTRACTING DENTIST Directories can be provided to eligible employees at the time of enrollment. A look-up function is available at www.LFG.com or through our member web site at www.jpfic.com by accessing Lincoln DentalConnecfM - our online dental information tool providing health information, ask a dentist, and a dental cost estimator. Plan participants can locate over 52,000 Lincoln DentalConnect Plan dentists by specialty. Copies of the directory can also be obtained by calling our Client Management Department. PRIOR CARRIER CREDIT PROVISION To ensure continuity of coverage for plan participants during a change in carriers, 'prior carrier credit' is available for employees and dependents who are covered on the policy effective date; but only if they were covered under the employer's prior group dental plan on the day before the policy effective date. Except in FL, 10 and NJ, the employer's dental plan must have been in force with the current carrier for at least 12 months, to be eligible for the credit. The Lincoln National Life Insurance Company 7 2/9/2009