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

The Kentucky Racing Health and Welfare Fund sponsors each one of the following programs:

KENTUCKY RACING HEALTH SERVICES CENTER

The Old School Apartments

Ellis Park

Turfway Park

Keeneland/The Thoroughbred Center

Churchill Downs

In Kentucky there are five thoroughbred race tracks

Kentucky Downs

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

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

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.

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

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).

We provide Financial Assistance with:

• 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

• During 2009 the Fund assisted contacts of:

2503 Stable Employees 402 Trainers 293 Assistant Trainers with: 2521 Medical related treatments 550 Dental 170 Vision

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

• 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.

• The Fund’ s contact information is:Kentucky Racing Health and Welfare Fund422 Heywood AvenueLouisville, Kentucky 40208Phone 502-636-2900 Fax 502- 636-2955Toll Free 1-800-548-3662 email: elowe@kyracinghealth.orgFind us on Facebook

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.

KENTUCKY RACING

HEALTH SERVICES

CENTER

Kentucky Racing Health Services Center

The Kentucky Racing Health Services Center

is a joint initiative between the The University of Louisville

andThe Kentucky Racing Health and Welfare Fund

Kentucky Racing Health Services Center

We are located in the basement of the 4th

Street end (east end) of The Old School onHeywood Avenue behind the 4th Street Convenient Store, about two blocksfrom the 4th Street StableGate. The address is 422 Heywood Ave. Louisville, KY 40208

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

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.

Kentucky Racing Health Services Center

We provide the following free services:Routine Physicals PAP Smears Breast ExamsProstate Exams Blood Tests DiabetesSchool Physicals Sports Physicals Thyroid TestGYN/STD Problems Cholesterol Test AsthmaRespiratory Problems Headaches Itchy EyesSore Throat Minor Aches ArthritisDigestive Complaints Urinary Problems Foot CareDepression Anxiety

Kentucky Racing Health Services Center

We also provide:

• Prescriptions for non-narcotic medications• Laboratory Services We cannot provide treatment for work-related injuries

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.

KENTUCKY RACE TRACK RETIREMENT PLAN

WHO IS ELIGIBLE FOR THE PLAN?

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

HOW DO I SIGN UP FOR THE PLAN?

KENTUCKY RACE TRACK RETIREMENT PLAN

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)

KENTUCKY RACE TRACK RETIREMENT PLAN

WHAT WILL I NEED TO BRING WHEN I SIGN UP?

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.

KENTUCKY RACE TRACK RETIREMENT PLAN

IF YOU ARE A TRAINER PLEASE CONTACT KAREN PELHKE 502-636-2646 FOR ADDITIONAL INFORMATION

KENTUCKY RACE TRACK RETIREMENT PLAN

WHAT’S THE PAYOFF FOR SIGNING UP EVERY YEAR?

KENTUCKY RACE TRACK RETIREMENT PLAN

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.

Your money can be distributed three different ways:• When you turn 60.• If you become disabled.• If you die before you retire.

KENTUCKY RACE TRACK RETIREMENT PLAN

LET’S SUMMARIZE1.) 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.

THOROUGHBRED ADDICTION COUNCIL OF KENTUCKY

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.

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.

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.

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.

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.

The Old School Apartments

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

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

THANK YOU FOR ATTENDING

THANK YOU FOR ATTENDING

THE ENDIF YOU

HAVE ANY QUESTIONS

PLEASE CALL US AT 502-636-2900