The writing is on the wall, Once the T.A. is approved in about a year we all will pay 20/30/45 a week. This paying for Insurance was UPS and IBT plan to get what they want. MORE MONEY!! The language in this contract is so vague and left for interpretation. IBT is more like UPS than you are to IBT. I feel sorry for the younger guys coming in, may God bless you and watch over you.