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EXHIBIT 10.15
BOISE CASCADE OFFICE PRODUCTS CORPORATION
SUPPLEMENTAL HEALTH CARE PLAN FOR EXECUTIVE OFFICERS
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SUPPLEMENTAL HEALTH CARE PLAN FOR EXECUTIVE OFFICERS
INTRODUCTION
Boise Cascade Office Products Corporation (the "Company") has adopted a
Supplemental Health Care Plan for Executive Officers (the "Plan") in addition
to the Company's Preferred Provider Network Medical Plan, Dental Plan, Vision
Plan, and Prescription Drug Plan. While you share in the cost of your medical
care by paying a monthly contribution, a deductible, and a percentage of the
remaining expenses, the combination of the plans pays most of the major charges
for covered health care expenses for you and your dependents.
WHO IS ELIGIBLE
As an executive officer of the Company who also serves as an executive officer
of Boise Cascade Corporation, you are automatically eligible for coverage under
the Plan. Your dependents' coverage under the Plan will become effective on
the same date that your own coverage begins.
Your dependents who are eligible for coverage under this Plan include your
spouse plus any unmarried children under age 23, if they do not regularly work
full-time and are dependent on you for support. Under certain circumstances, a
child with disabilities may be covered beyond age 23.
HOW BENEFITS BECOME PAYABLE
Medical benefits become payable under this Plan after benefits for covered
charges under the Preferred Provider Network Medical Plan have been applied to
medical expenses incurred by you or your covered dependent. The Plan will pay
100% of the remaining charges for the treatment, services, and supplies listed
under "What the Plan Covers." Amounts applied to the deductible and copayments
under the Preferred Provider Network Medical Plan are not covered under this
Plan.
Dental and vision benefits become payable under this Plan after benefits for
scheduled amounts covered under the Dental Plan or the Vision Plan have been
applied to dental or vision expenses incurred by you or your covered dependent.
The Plan will pay 100% of the remaining charges for the services and supplies
shown under "What the Plan Covers."
The deductible and copayment amounts under the Prescription Drug Plan are not
covered under this Plan.
WHAT THE PLAN COVERS
Medical expenses incurred will be reduced by the amount considered as covered
charges under the Preferred Provider Network Medical Plan. The Plan will pay
100% of the remaining charges for the following medical expenses:
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- - Hospital room and board charges.
- - Hospital intensive care (ICU) and cardiac care unit (CCU) charges.
- - Hospital services and supplies (inpatient or outpatient).
- - Medical treatment or surgery by a physician.
- - Outpatient surgical facility services and supplies.
- - Private-duty nursing by a registered nurse (R.N.), a licensed vocational
nurse (L.V.N.), or a licensed practical nurse (L.P.N.) upon the written
recommendation of a physician.
- - Ambulance service.
- - Prescription drugs and medicines.
- - Immunizations.
- - Anesthetics and oxygen and their administration.
- - Rental or purchase (at the Company's option) of approved durable medical
equipment and appliances.
- - Physical therapy by a licensed physiotherapist for treatment by physical
or mechanical means only.
- - Outpatient rehabilitative speech and occupational therapy. Care must be
provided by a licensed therapist who is referred and supervised by a
licensed physician.
- - Blood and blood plasma which are not replaced by donation, and their
administration.
- - Diagnostic x-rays and laboratory tests.
- - Extended-care facility confinement, including services and supplies.
- - Medical social services while a patient is in an extended-care facility.
- - Psychiatric care provided by a physician.
- - Mammograms.
The Plan will also pay 100% of the remaining charges for vision exams,
eyeglasses, contact lenses, hearing aids, and dental expenses (including
orthodontia and expenses for repair and maintenance of covered items) after
benefits under the Dental Plan, the Vision Plan, or the Preferred Provider
Network Medical Plan, have been applied.
WHAT THE PLAN DOES NOT COVER
Expenses for items shown in the list that follows are not covered under the
Plan:
- - Injury or illness resulting from war or an act of war, whether declared or
undeclared.
- - Items payable by workers' compensation or any other government program.
- - Items for which no charge would have been made in the absence of medical
coverage, or items for which you are not legally obligated to pay.
- - Prescription drugs obtained through the Company's Prescription Drug Plan.
- - Items for which the Company, by law or regulation, may not provide
benefits.
- - Medical services rendered prior to the date your coverage by this Plan
began.
- - Charges which are applied to the deductible and copayments under the
Preferred Provider Network Medical Plan.
- - Charges which are applied to additional deductibles under the HRM Care
Management Program.
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HEALTH CARE CLAIMS
The necessary forms to file a claim for covered health care expenses under this
Plan are available from the Boise Cascade Corporation Group Benefits Office in
Boise, Idaho.
PLAN ADMINISTRATION, ERISA RIGHTS
The BCOP Benefits Health Care booklet (the Summary Plan Description) identifies
the Plan administrator and explains your ERISA rights under this Plan. If a
dispute or disagreement arises regarding terms of coverage, or benefits
provided under this Plan, you must use the "claims/appeal" processes described
in that booklet.
CONTINUATION OF COVERAGE/QUALIFIED MEDICAL CHILD SUPPORT ORDERS
The Plan is subject to the requirements of federal law as they relate to
continuation of medical benefits pursuant to provisions of the Consolidated
Omnibus Budget Reconciliation Act of 1985 ("COBRA") and to "Qualified Medical
Child Support Orders" under the Omnibus Budget Reconciliation Act of 1993.
These requirements are described in more detail in the BCOP Benefits Health
Care booklet.
SOURCE OF FUNDING
This Plan is self-insured by the Company. Payments for benefits under this
Plan are made from the general assets of the Company as benefits become
payable.
TAXABILITY
All benefits payable under this Plan are considered taxable income to you, are
subject to tax withholding requirements, and will be reflected in you Form W-2
earnings.
COVERAGE DURING A LEAVE OF ABSENCE
Your medical coverages may be continued while you are still employed by the
Company but are not actively at work because of an accident or illness or
certain other company-approved leaves of absence. Under such conditions,
coverage will continue in keeping with the provisions of the leave.
WHEN YOUR COVERAGE ENDS
Your coverage under the Plan ends on the earliest of the following dates:
- - On the date your employment with Boise Cascade Office Products Corporation
ends.
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- - On the date you become ineligible to participate in these coverages -- for
example, if you cease to be an executive officer of
the Company or of Boise Cascade Corporation.
- - On the date the Company elects to discontinue this Plan.
WHEN YOUR DEPENDENTS' COVERAGE ENDS
Your dependents' coverage under this Plan ends on the earliest of the following
dates:
- - On the date your coverage ends.
- - On the date your dependent ceases to be eligible because of a change
in age or dependent status as defined under the Preferred Provider
Network Medical Plan.
- - On the date your dependent begins active duty in the armed forces of
any country, state, or international organization.
- - On the date the Company elects to discontinue this Plan.
THE COMPANY EXPRESSLY RESERVES THE RIGHT TO AMEND OR TERMINATE THIS PLAN AT
ANY TIME. COVERAGE UNDER THIS PLAN IS NOT AND SHOULD NOT BE DEEMED TO
CREATE A CONTRACT OF EMPLOYMENT AND UNDER NO CIRCUMSTANCES SHALL BE
CONSTRUED TO GIVE ANY PARTICIPANT A RIGHT TO REMAIN AN EMPLOYEE OR OFFICER
OF THE COMPANY FOR ANY PERIOD. ANY PARTICIPANT IN THIS PLAN IS EMPLOYED
SOLELY AT THE WILL OF THE COMPANY.
TO THE EXTENT NOT GOVERNED BY FEDERAL LAW, THIS PLAN WILL BE CONSTRUED
ACCORDING TO THE LAWS OF THE STATE OF IDAHO. IN THE EVENT ANY LAWSUIT OR
LEGAL ACTION IS BROUGHT (BY ANY PARTY, PERSON, OR ENTITY REGARDING THIS
PLAN, BENEFITS HEREUNDER, OR ANY RELATED ISSUE), SUCH ACTION OR SUIT MAY BE
BROUGHT ONLY IN FEDERAL DISTRICT COURT IN THE DISTRICT OF IDAHO.
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