HOW TO ACESS BENEFITS MADE AVAILABLE BY THE KENTUCKY RACING HEALTH AND WELFARE FUND

1. HOW TO ACESS BENEFITS MADE AVAILABLE BY THE KENTUCKY RACING HEALTH AND WELFARE FUND HERE’S WHAT MAY BE AVAILABLE TO YOU AS A RACE TRACK WORKER IN KENTUCKY

2. The Kentucky Racing Health and Welfare Fund sponsors each one of the following programs: KENTUCKY RACING HEALTH SERVICES CENTER The Old School Apartments

3. In Kentucky there are five thoroughbred race tracks Turfway Park Churchill Downs Ellis Park Keeneland/The Thoroughbred Center Kentucky Downs

4. Together, these five tracks form the Kentucky circuit, with 206 racing dates throughout the year. There is thoroughbred racing in Kentucky during every month of the year. A typical racing schedule looks like: January, February, March – Turfway Park April – Keeneland May – Mid July – Churchill Downs Mid July – August – Ellis Park September – Turfway Park/Kentucky Downs October – Keeneland November – Churchill Downs December – Turfway Park

5. The Fund’s main office is in Louisville, and we maintain satellite offices at: * Ellis Park - during the race meet * Keeneland - all year long *The Thoroughbred Center - all year long *Turfway Park - all year long

7. But first this message from our lawyer…. DISCLAIMER The Kentucky Racing Health & Welfare Fund is a non-profit charitable organization that receives no government funding or public tax revenue. It is not an insurance company and does not assume responsibility for any incurred charges nor does it guarantee approval for any request for assistance. This presentation should not be construed as a policy and shall not be considered as an offer to extend assistance, benefits, coverage, payment or medical advice. The Fund’s guidelines are changed at the sole discretion of the Fund and are modified, extended, altered, and revised from time to time without prior notice. Therefore, any information supplied in any form must not be construed or regarded as creating any express or implied right to the services, coverage, or benefits the Fund may offer. A copy of the Fund’s current guidelines can be obtained by a written request submitted to the Fund.

8. The first step in being eligible for the Fund’s benefits is to be licensed and working: 1. Be licensed by the Kentucky Horse Racing Commission. The cost is $10. During each race meet there is an office where you can purchase your license. You must purchase a new license each year. 2. Working for an eligible trainer. You must be working for an eligible trainer, and earn at least $125 per week and present a payroll check or payroll check stub (or copy) with each request for assistance

9. To be eligible you must be currently licensed and working in the Kentucky Thoroughbred Racing Industry for: • a trainer who has made no less than 3 Kentucky starts in prior 6 months or 5 Kentucky starts in the prior 12 months and 1 Kentucky start in the past 60 days. • and you must earn at least $125 a week with that trainer (but not more than $38,500 single or $77,000 married adjusted gross income each year).

10. Hospital Charges Doctor Charges Diagnostic Charges Prescription Medication Dental Charges Dentures and Crowns Periodontia Orthodondia Eye Exams and Glasses Funeral Charges Rent/Mortgage payments during Short Term Disability Chiropractic Hearing Aids & Exams Mental Health Disorders Medical Transport We provide Financial Assistance with:

11. During 2009 the Fund assisted contacts of: 2503 Stable Employees 402 Trainers 293 Assistant Trainers with: 2521 Medical related treatments 550 Dental 170 Vision

12. Maximum benefits start at $7,000 for those who are in Kentucky for the first time or the first time in the past six years and grow to $20,000 for those who have been working in Kentucky for 5 or more consecutive years: This includes: $ 750 dental benefit $ 8,000 pregnancy benefit $ 5,000 death benefit

13. The Fund has established a network of preferred providers in every major racing center in Kentucky that either provide services at discounted rates or make immediate treatment available. For those not stabled at a race track or training center clients and medical providers may contact us by phone, mail, fax, or email.

14. The Fund’ s contact information is: Kentucky Racing Health and Welfare Fund 422 Heywood Avenue Louisville, Kentucky 40208 Phone 502-636-2900 Fax 502- 636-2955 Toll Free 1-800-548-3662 email: elowe@kyracinghealth.org Find us on Facebook

15. Anytime you have a question or if you incur a medical or dental charge you should contact the Fund as soon as you can. If you wait too long to contact us we may not be able to help you. All information is kept confidential. Finally, the Fund cannot provide assistance with a work related injury, illness or occurrence.

16. KENTUCKY RACING HEALTH SERVICES CENTER

17. Kentucky Racing Health Services Center The Kentucky Racing Health Services Center is a joint initiative between the The University of Louisville and The Kentucky Racing Health and Welfare Fund

18. Kentucky Racing Health Services Center We are located in the basement of the 4th Street end (east end) of The Old School on Heywood Avenue behind the 4th Street Convenient Store, about two blocks from the 4th Street Stable Gate. The address is 422 Heywood Ave. Louisville, KY 40208

19. Kentucky Racing Health Services Center We are open – Monday 10:30 a.m. – 3:30 p.m. Wednesday 4:00 p.m. – 7:00 p.m. Friday 10:30 a.m. - 3:30 p.m. CLOSED ALL MAJOR HOLIDAYS Call for an appointment: 502-636-2900 502-636-3133

20. Kentucky Racing Health Services Center • We provide free Medical Services for Licensed Kentucky Racing Personnel • You need to bring your current Kentucky Horse Racing Commission license and a current payroll check or stub from a thoroughbred trainer in the amount of $125 or more. • If your unlicensed spouse needs medical attention you will need to bring your marriage certificate. • If your child needs medical attention you will need to bring the child’s birth certificate.

21. Kentucky Racing Health Services Center We provide the following free services: Routine Physicals PAP Smears Breast Exams Prostate Exams Blood Tests Diabetes School Physicals Sports Physicals Thyroid Test GYN/STD Problems Cholesterol Test Asthma Respiratory Problems Headaches Itchy Eyes Sore Throat Minor Aches Arthritis Digestive Complaints Urinary Problems Foot Care Depression Anxiety

22. Kentucky Racing Health Services Center We also provide: • Prescriptions for non-narcotic medications • Laboratory Services We cannot provide treatment for work-related injuries

24. KENTUCKY RACE TRACK RETIREMENT PLAN • You must sign up every year to determine eligibility. • If you are eligible, a contribution is made to your account. • When you retire you get whatever is in your account. Retirement age is 60.

25. KENTUCKY RACE TRACK RETIREMENT PLAN WHO IS ELIGIBLE FOR THE PLAN?

26. KENTUCKY RACE TRACK RETIREMENT PLAN TRAINERS, ASSISTANT TRAINERS, AND STABLE EMPLOYEES WHO: + WERE LICENSED AND WORKING IN KENTUCKY IN THE YEAR PRIOR TO SIGN UP AND + EARNED AT LEAST $5,200 WORKING IN KENTUCKY IN THE YEAR PRIOR TO SIGN UP (BUT NOT MORE THAN $38,500 SINGLE OR $77,000 MARRIED) AND CAN DOCUMENT IT AND + MADE 10 KENTUCKY STARTS IN THE YEAR PRIOR TO SIGN UP OR WORKED FOR A TRAINER WHO MADE 10 KENTUCKY STARTS

27. KENTUCKY RACE TRACK RETIREMENT PLAN HOW DO I SIGN UP FOR THE PLAN?

28. KENTUCKY RACE TRACK RETIREMENT PLAN You can sign up at the office of the KENTUCKY RACING HEALTH AND WELFARE FUND 422 HEYWOOD AVE. LOUISVILLE, KENTUCKY 40208 Monday through Friday 9:00 a.m. to 3:00 p.m. UNTIL NOVEMBER 15, EACH YEAR (SEE THE HORSES MOUTH , ELSEWHERE ON OUR WEBSITE FOR A FULL SCHEDULE OF TRACK LOCATIONS AND DATES)

29. KENTUCKY RACE TRACK RETIREMENT PLAN WHAT WILL I NEED TO BRING WHEN I SIGN UP?

30. KENTUCKY RACE TRACK RETIREMENT PLAN IF YOU ARE AN ASSISTANT TRAINER OR STABLE EMPLOYEE BRING ALL FORM W2 OR FORM 1099 FROM ALL KENTUCKY TRAINERS FOR WHOM YOU WORKED DURING THE PRIOR YEAR. The trainer must have made 10 Kentucky starts for the income to be eligible and you must have earned at least $5,200 from the eligible trainer or trainers for whom you worked. Don’t worry about whether the trainer made 10 Kentucky starts, the staff at the Retirement Plan can help you with that after you sign up.

31. KENTUCKY RACE TRACK RETIREMENT PLAN IF YOU ARE A TRAINER PLEASE CONTACT KAREN PELHKE 502-636-2646 FOR ADDITIONAL INFORMATION

32. KENTUCKY RACE TRACK RETIREMENT PLAN WHAT’S THE PAYOFF FOR SIGNING UP EVERY YEAR?

33. We are currently in our 9th year of signing up. Those who have signed up each of the first eight years have between $12,000 and $14,000 in their accounts. KENTUCKY RACE TRACK RETIREMENT PLAN • Your money can be distributed three different ways: • When you turn • 60. • If you become • disabled. • If you die before • you retire.

34. KENTUCKY RACE TRACK RETIREMENT PLAN LET’S SUMMARIZE 1.) Sign up for the plan every year even if you don’t think that you are eligible. 2.) Know when and where to sign-up. 3.) Don’t listen to backside gossip – contact us if you have any questions.

35. THOROUGHBRED ADDICTION • COUNCIL OF KENTUCKY

36. THOROUGHBRED ADDICTIONCOUNCIL OF KENTUCKY (T.A.C.K.) • T.A.C.K .is a horsemen’s program responding to drug and alcohol disorders in the Kentucky Racing industry since 1989. • T.A.C.K. offers access to no cost or low cost evaluation, detoxification and treatment programs in Kentucky’s thoroughbred industry, on the track and the farm, who are suffering from alcohol and drug dependency.

37. T.A.C.K. • A T.A.C.K. representative is available at each of Kentucky’s four major racetracks and at Trackside and The Thoroughbred Center in Lexington all year long. • At Churchill Downs the office is located in The Old School, 422 Heywood. At Trackside the office is located in the Horsemen’s Service Trailer in the parking lot next to the stable area. • You can also contact the Kentucky Racing Health and Welfare Fund 502-636-2900 if you need to speak to a T.A.C.K. counselor.

38. You may want to talk to a T.A.C.K. counselor if you notice: • That your job performance is suffering because of your alcohol or drug use. • You are hung over or high while on the job. • You are regularly late to work. • You regularly miss work and/or you change jobs often because of your alcohol or drug use. • You have incurred an injury while you are in an altered state.

39. T.A.C.K. THE CONCORD HOUSE • A seven bed sober living facility for race track workers who enrolled in the T.A.C.K. program. • Opened in 1996 • Within a two minute walk of Churchill’s stable gate. • Owned and operated by T.A.C.K.

40. THE T.A.C.K. PHILOSOPHY • Treatment is the Solution not Punishment. • The program is based on four major building blocks of sobriety: • Abstinence (stop using) • Accountability • Commitment • Responsibility • We pay for on-track counselors at tracks in Kentucky, but do not provide for private in-house rehabilitation.

41. The Old School Apartments

42. The Old School Apartments • Designed with the Older Race Track Worker in mind • One block from Churchill Downs • Studio and one bedroom apartments • Rents start at $345 per month with free heat, air conditioning and water **You must sign a one year lease

43. The Old School Apartments To live at The Old School Apartments: you must: • Be 55 years of age or older or be disabled • low income • Have no more than 2 people living in the apartment *Other financial restrictions may apply

44. THE END THANK YOU FOR ATTENDING THANK YOU FOR ATTENDING IF YOU HAVE ANY QUESTIONS PLEASE CALL US AT 502-636-2900