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Continuing Coverage Under the Plan

Continuing Coverage Under the Plan (other than continuation of coverage as a retiree) In certain situations, coverage may be extended for an employee and covered eligible dependents at group rates. The following chart summarizes the circumstances in which coverage may be continued under the Plan.

IF

COVERAGE MAY BE EXTENDED

An employee is no longer receiving pay from his employer and has been approved for a leave of absence without pay

An employee is placed on involuntary furlough without pay

An active employee is called to active military duty

For up to 12 months for both the employee and his covered dependents. The employee can contact his Human Resources office for more details. Until the employee returns from furlough to full-time employment. The employee can contact his Human Resources office for more details. For up to 24 months under COBRA.

An employee dies while not yet eligible to retire, dependents may be eligible to extend coverage An employee dies while eligible to retire and his spouse and children are covered as dependents

An employee dies while eligible to retire and his children are covered as dependents

For up to 36 months under COBRA for any covered dependents. See below for exceptions. For the rest of the covered spouse’s lifetime and until any covered dependent children reach age 19 or 25, if full-time students. See Surviving Spouse Eligibility and Enrollment in this section. For up to 36 months under COBRA for any covered dependent children.

Exceptions for a surviving spouse of an employee who dies while not yet eligible to retire.

  • If a covered surviving spouse is on Medicare at the time of the employee’s death, he will be eligible to continue coverage for up to 36 months under COBRA. Medicare will be the primary payor.

  • If a covered surviving spouse acquires Medicare at any time after COBRA continuation has begun, coverage will terminate.

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