If an Employee's group health benefits end due to his or her termination of employment or reduction of work hours, he or she may elect to continue such benefits for up to 18 months, unless he or she was terminated due to gross misconduct. A Qualified Continuee may elect to continue coverage under COBRA even if the Qualified Continuee: is covered under another group plan on or before the date of the COBRA election; or is entitled to Medicare on or before the date of the COBRA election. The continuation: may cover the Employee and any other Qualified Continuee; and is subject to the When Continuation Ends section. Extra Continuation for Disabled Qualified Continuees If a Qualified Continuee is determined to be disabled under Title II or Title XVI of the United States Social Security Act on the date his or her group health benefits would otherwise end due to the Employee's termination of employment or reduction of work hours or during the first 60 days of continuation coverage, he or she and any Qualified Continuee who is not disabled may elect to extend his or her 18 month continuation period above for up to an extra 11 months. To elect the extra 11 months of continuation, the Qualified Continuee or other person acting on his or her behalf must give the Employer written proof of Social Security's determination of his or her disability within 60 days measured from the latest of: the date on which the Social Security Administration issues the disability determination; the date the group health benefits would have otherwise ended; or the date the Qualified Continuee receives the notice of COBRA continuation rights. If, during this extra 11 month continuation period, the Qualified Continuee is determined to be no longer disabled under the Social Security Act, he or she must notify the Employer within 30 days of such determination, and continuation will end, as explained in the When Continuation Ends section. An additional 50% of the total premium charge also may be required from the Qualified Continuee by the Employer during this extra 11 month continuation period. If An Employee Dies While Insured If an Employee dies while insured, any Qualified Continuee whose group health benefits would otherwise end may elect to continue such benefits. The continuation can last for up to 36 months, subject to the When Continuation Ends section. If An Employee's Marriage Ends If an Employee's marriage ends due to legal divorce or legal separation any Qualified Continuee whose group health benefits would otherwise end may elect to continue such benefits. The continuation can last for up to 36 months, subject to the When Continuation Ends section.
If an Employee's group health benefits end due to his or her termination of employment or reduction of work hours, he or she may elect to continue such benefits for up to 18 months, unless he or she was terminated due to gross misconduct. A Qualified Continuee may elect to continue coverage under COBRA even if the Qualified Continuee: is covered under another group plan on or before the date of the COBRA election; or is entitled to Medicare on or before the date of the COBRA election. The continuation: may cover the Employee and any other Qualified Continuee; and is subject to the When Continuation Ends section. Extra Continuation for Disabled Qualified Continuees If a Qualified Continuee is determined to be disabled under Title II or Title XVI of the United States Social Security Act on the date his or her group health benefits would otherwise end due to the Employee's termination of employment or reduction of work hours or during the first 60 days of continuation coverage, he or she and any Qualified Continuee who is not disabled may elect to extend his or her 18 month continuation period above for up to an extra 11 months. To elect the extra 11 months of continuation, the Qualified Continuee or other person acting on his or her behalf must give the Employer written proof of Social Security's determination of his or her disability within 60 days measured from the latest of: the date on which the Social Security Administration issues the disability determination; the date the group health benefits would have otherwise ended; or the date the Qualified Continuee receives the notice of COBRA continuation rights. If, during this extra 11 month continuation period, the Qualified Continuee is determined to be no longer disabled under the Social Security Act, he or she must notify the Employer within 30 days of such determination, and continuation will end, as explained in the When Continuation Ends section. An additional 50% of the total premium charge also may be required from the Qualified Continuee by the Employer during this extra 11 month continuation period. If An Employee Dies While Insured If an Employee dies while insured, any Qualified Continuee whose group health benefits would otherwise end may elect to continue such benefits. The continuation can last for up to 36 months, subject to the When Continuation Ends section. If An Employee's Marriage Ends If an Employee's marriage ends due to legal divorce or legal separation any Qualified Continuee whose group health benefits would otherwise end may elect to continue such benefits. The continuation can last for up to 36 months, subject to the When Continuation Ends section.
policyb_e.docx