A. If you are currently enrolled in the Enhanced PPO and do not want to make any other changes, you do not need to complete an enrollment form. Your current benefits election will continue for next year. If you wish to make any changes or if you are enrolled in the Traditional Plan, you MUST complete an enrollment form and return it to the Benefits Dept. by the November 26, 2001 deadline.

A. The best source of current information is on-line. You can also request paper copies by calling the insurance company’s customer service 800 number. The web addresses and 800 numbers are:

You can find links to all of these web sites on the ABX benefits page at www.abxair.com. Paper copies are available by request only to help keep cost down.

A. Due the cost and time involved, a new Benefits Handbook is not being published this year. A 2002 Summary of Benefit changes has been published as an addendum to the 2001 Benefits Handbook. If you need a replacement 2001 Benefits Handbook, please contact the Benefits Department.

A. Return completed enrollment paperwork by the November 26^th deadline to:

A. All employees will be mailed a new United Health Care I.D. card during early January 2002 indicating the new co-payment levels. If you lose your card or need additional cards, you can request a replacement by contacting United Health Care customer service at (888) 350-5607 or you can request replacements on-line at www.myuhc.com.

I.D. cards for the dental program are not issued. Please take a dental claim form with you to your dentist’s office. Cole vision cards are available by calling Cole Managed Vision customer service at 800-334-7591.

A. The deadline is November 26^th. Enrollment forms will be accepted after this date through November 30^th; however, they will not be processed in time to receive the new United Health Care I.D. card in early January.

A. Airborne offers a Universal Life insurance program that allows you to purchase additional coverage for yourself or your eligible family members. To enroll in this program you must satisfy the evidence of good health provision required by the insurance underwriter. Enrollment is effective upon approval by the insurance company. More information about the program can be found in your 2001 Benefits Handbook or on the benefits web site at www.abxair.com/benefits. Use the Universal Life insurance enrollment form to apply for this benefit.

Q. Can I purchase additional accidental death and dismemberment insurance for my family or myself?

A. Airborne offers a Voluntary Accident Insurance program that lets you purchase additional Accidental Death and Dismemberment coverage for yourself or your eligible family members. Enrollment is effective on January 1^st. More information about the program can be found in your 2001 Benefits Handbook or on the benefits web site at www.abxair.com/benefits. Use the 2002 Group Insurance Enrollment form to enroll in this program.

A. Open enrollment is your opportunity each year to make adjustments to your benefits. All changes are effective on January 1^st. During the rest of the year, you cannot make changes to your benefit elections except for certain Family and Work Status changes including:

Any of these reasons allows you to make a change mid-year provided you notify the Benefits Department within 30 days of the event (60 days for birth).

A. Personal benefits statements were printed for every employee with benefit coverage as of October 17^th. Recently hired employees whose benefits are not yet effective will be mailed a statement shortly before their coverage becomes effective. If you did not receive a personal benefits statement, contact the Benefits Department for a replacement.

A. Yes, starting in 2002, you can enroll your spouse who works at ABX under your plan, or you could have two employees under different plans. However, you cannot "double cover" under both plans. Be sure both spouses complete an enrollment form enrolling under one employee and canceling coverage under the other employee.

A. Yes, starting in 2002, you can enroll your child who works at ABX under your plan, or you could have two employees under different plans. However, you cannot "double cover" under both plans. Be sure both you and your child complete an enrollment form enrolling under the parent and canceling coverage under the dependent child.

The child must be an eligible dependent to be covered under your plan.

A. Eligible children are your unmarried children under age 21 (under 25 if a full-time student) who are your:

Provided that you are their legal guardian or you can claim the children as dependents for federal tax purposes.

A. To determine which plan is primary and which plan is secondary, follow the rules listed below:

1. Order of payments for an Airborne Express employee
1. Primary plan is the Airborne Express Plan
2. Secondary plan is the plan sponsored by the spouse’s employer
2. Order of payments for the spouse of an Airborne Express employee
1. Primary plan is the plan sponsored by the spouse’s employer
2. Secondary plan is the Airborne Express Plan
3. Order of payments for the children of an Airborne Express employee
1. Primary plan is the plan of the parent whose birthday occurs earlier in the year
2. Secondary plan is the plan of the parent whose birthday occurs later in the year
4. Order of payments for children of divorced parents
1. Primary plan is determined by court decree; otherwise,
2. Primary plan is the plan of the natural or adoptive parent with custody
3. Secondary plan is the plan of the step-parent with custody
4. Tertiary (third) plan is the plan of the natural or adoptive parent without custody
5. Order of payments for persons covered by a plan for active employees (and their dependents) and by a plan for retirees, laid-off employees or COBRA coverage continuants (and their dependents)
1. Primary plan is the plan for active employees (and their dependents)
2. Secondary plan is the plan for retirees, laid-off employees or COBRA coverage continuants (and their dependents)
6. Order of payments if not covered above
1. Primary plan is the plan which has covered the individual the longest
2. Secondary plan is the plan which has covered the individual for less time
7. Order of payments if the other group plan or individual policy does not contain a coordination of benefits provision
1. Primary plan is the plan that does not contain a coordination of benefits provision
2. Secondary plan is the Airborne Express Plan

A. Yes, you can decline coverage. When you decline coverage you are declining all Medical, Dental and Vision benefits. You will be required to complete a form indicating what other health coverage you have in order to decline coverage through ABX.

A. If you need emergency care while traveling you should go to the nearest hospital. Even if the hospital is a non-network hospital, your benefit will be treated as if it was a network facility.

If you need medical care on a non-emergency basis while traveling, contact United Health Care customer service at (888) 350-5607 or at www.provider.uhc.com for assistance in locating the nearest network provider.

A. Your health plan covers emergency services necessary to screen and stabilize a covered person if a prudent layperson acting reasonably would have believed a true emergency existed. If you are unsure if your condition needs medical attention you may contact Nurseline at (888) 609-5880 for assistance.

A. Eligible retirees receive the same medical benefit coverage as active employees. Contributions for retirees are increasing January 1^st . Employees nearing retirement age may contact the Benefits Department for the retiree medical cost for 2002.

A. Deductions for these benefits are taken on a pre-tax basis:

Universal Life coverage is taken after taxes.

A. The Company has reviewed the possibility of implementing a Medical Care Flexible Spending Account for employees. Due to the complexity of such programs and the IRS requirement that employees use any contributions into such a plan or forfeit the cash, the Company has decided not to implement such a program at this time.

A. Yes. A flexible spending account allows you to place dollars into a pre-tax account that can be then used to pay for child care or elder care expenses. Please review the Benefits Handbook for more details or visit the benefits web site at www.abxair.com/benefits.

A. For the Enhanced PPO plan, well baby care and immunizations during the first two years of life are covered with a $15 co-payment for each visit at a network doctor. After the second birthday, preventative care is covered up to $300 each year after the $15 co-payment at network providers.

Well-baby care and immunizations and routine physicals are NOT covered under the Basic PPO plan.

A. Co-payments for office visits, emergency room visits, urgent care visits, and prescriptions drugs are not counted towards the deductible and out-of-pocket maximums.

A. Either you or your doctor’s office can contact the United Health Care customer service office with your questions. If you need additional assistance, contact your employee benefits representative.

Q. If I am not eligible for family dental coverage (I am a part time employee), may I pay extra to get coverage?

A. Part-time employees cannot purchase family dental coverage.

A. Claim forms are available in the forms bins located near all ABX Communications Centers. Out-base employees without a communication center can locate the forms in the FORMS Book distributed to all locations earlier this year.

The forms are also available on the ABX benefits web site at www.abxair.com/benefits

A. No. You must enroll in one of the medical options to have the dental and vision benefits.

A. There are separate claim forms for each benefit. Be sure you have the correct form for the claim you are submitting.

A. If you elect the Basic PPO plan you will have the Traditional Dental coverage (which does not cover orthodontia) and the vision benefit.

A. If you elect the Enhanced PPO plan as your coverage, you will have the Enhanced Dental coverage (including orthodontia coverage) and the vision benefit.

A. If you have spoken with the insurance company customer service department and they are unable to help resolve your claim issue, contact the ABX Benefits Department at ext. 2567 for further assistance. Or you may e-mail messages to abx.benefits@airborne.com.

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Please see ABX Air, Inc.’s terms and conditions for use of this web site.

Revised: January 14, 2005.