When I voted for the contract and subsequent retirement benefits I was led to believe the insurance was $50 each for member and spouse the first year, $75 each for member and spouse the second year and $100 each for member and spouse the third year. Guess what? An informed person told me that CS members won't be getting that tiered progression. CS members will pay $200 each for member and spouse as, apparently, in the past. The informed person then tried to sugar coat it by saying, "...oh but...your deductible and prescription costs will be lower than the areas that got the tiered progression and you will get vision and dental". What other surprises are coming? Thinking about retiring as a member of Central States? You might want to rethink..... Stay classy IBT, stay classy.