RETIREMENT INFORMATION A TIMELINE TO PLAN FOR RETIREMENT

RETIREMENT INFORMATION A TIMELINE TO PLAN FOR RETIREMENT FOR UNITED AIRLINES EMPLOYEES ONLY REVISED: October 5, 2018 CREATED BY: JOHN STATON JR. AND JOHN TURNER

DO YOU QUALIFY FOR BRIDGE MEDICAL? Any employee that had at least 20 years of service by November 1, 2013 is eligible for retiree bridge medical at age 60. You need 11 hours of unused sick time for every month that you need to bridge medical coverage to age 65. Example: if you retire at age 60, you would need 660 hours of sick time. ( 11 hours x 60 months = 660 hours) Any employee that was at least 55 years old AND had at least 20 years of service by November 1, 2013 AND had insufficient sick hours to bridge medical, the company will credit the employee’s sick bank with 528 hours minus any sick time used between November 1, 2013 and the date the employee turns 61 for bridging medical.

BRIDGE MEDICAL FOR SPOUSE/DOMESTIC PARTNER Article 3. 2 c Spouse/domestic partner coverage will only be available if the employee has an enrolled spouse/domestic partner on the date of retirement (spouses/domestic partners cannot later be added). Coverage will be available for any other Dependents enrolled on the date of retirement or who are thereafter born or adopted and timely enrolled. Coverage for any spouse/domestic partner or other Dependent terminates upon the earliest of the expiration of 5 years of coverage (measured from the date the retiree’s retiree bridge medical coverage commenced), the spouse/domestic partner or Dependent reaches age 65, or the retiree dies (except that upon the retiree’s death, the spouse/domestic partner and/or other Dependents may elect to use any remaining sick leave in the manner described above, and then will be eligible for COBRA coverage). Examples on next page:

Examples for Spouse/Domestic Partner Bridge Medical Employee is age 60 at retirement, spouse is age 58 and is currently enrolled in medical coverage. Employee has 660 hours of unused sick time. This would bridge the employee to age 65 and the spouse to age 63. If the employee wanted to bridge the spouse to age 65, the employee would need to retire when the spouse turns 60. Employee is age 68 at retirement, spouse is age 62. Employee would need 396 hours of unused sick time to bridge spouse’s medical to age 65. Spouse needs 36 months of bridging medical coverage. ( 11 hours a month x 36 months = 396 hours of unused sick time needed)

6 MONTHS BEFORE CONTACT: IAM PENSION 800 -424 -9608 WWW. IAMNPF. ORG ( apply 6 months out ) This is for Legacy United employees only PBGC 800 -400 -7242 WWW. PBGC. GOV ( apply 6 months out) Request application for retirement Benefit amount is based on your age when you draw This is for Legacy United employees hired before bankruptcy

3 MONTHS BEFORE CONTACT: SOCIAL SECURITY MEDICARE 800 -772 -1213 800 -633 -4227 WWW. SSA. GOV WWW. MEDICARE. GOV Make appointment 3 months before you draw Apply 3 months prior to receiving benefits Ask if you qualify for Plan A or Plan B Contact: United Airlines Benefits Center Retirement Questions 800 -651 -1007

3 MONTHS BEFORE CONTACT: FIDELITY CARP 800 -245 -9034 800 -651 -1007 WWW. 401 K. COM This is for legacy Continental employees only. WWW. FIDELITY. COM

1 MONTH BEFORE CONTACT: Local Lodge 303 -287 -0329 or Grievance Committee 303 -3483298 to obtain an Application for Retirement from the IAM. CONTACT: Human Resources to notify them of your retirement date.

Continued Life/Dental Insurance Life Insurance will continue on an individual policy providing that the retiree pays the monthly cost. If the retiree does not continue to pay the monthly premiums then the policy is cancelled after the effective date of the retirement and there is no life insurance for the retiree. Dental Insurance – will continue for 18 months after the effective date of the retirement at cobra rates if the retiree elects to continue coverage. If not then dental insurance will cancel after the effective date of retirement. * Please contact your HR department for additional information prior to retirement.

AFTER RETIREMENT Apply for retiree’s badge with United Airlines (OPTIONAL) $35. 00 fee You must be retired in the system to apply. Sign into “ Flying Together” Click on Employee Res Click on Quick Links Click on Employee Travel Profile Click on Obtain Your Retiree Badge You will need a passport style photo with a light blue or off-white background and it must be saved in the. JPEG format