EMPLOYEE COVERAGE: An Employee's Coverage will terminate on the earliest of:

1. the date this Plan is terminated;
2. the end of the period for which the last required Employee contribution for the Employee's Coverage has been paid;
3. the end of the month of the date such Covered Employee ceases to be in an Employee class eligible for Coverage under the Plan; or
4. the end of the month following the date on which such Covered Employee's employment with the Company terminates.

Ceasing Active Work is deemed termination of employment unless the Covered Employee is disabled due to Illness or Injury. However, for the purpose of benefits, the Employer may deem your employment to continue for certain absences.

The Third Party Administrator will not discriminate unfairly among Employees in similar situations.

A Covered Employee's Coverage for any specific benefit will terminate on the earlier of:

1. the date Coverage for such benefit ends; or
2. the end of the month of the date the Covered Employee ceases to be eligible for such benefit.

DEPENDENT COVERAGE: A Covered Employee's Dependent Coverage will cease for all of the Covered Employee's Dependents on the earliest of:

1. the date the Covered Employee's Coverage terminates;
2. the date this Plan is terminated;
3. the date Dependent Coverage is discontinued under this Plan;
4. the end of the month following the date the Covered Employee ceases to be in an Employee class eligible for Dependent Coverage;
5. the end of the period for which the last required Employee contribution for the Employee's Dependent Coverage has been paid; or
6. the end of the month in which the Covered Employee no longer has any Dependents.

Dependent Coverage on a Dependent will cease at the end of the month in which such person ceases to be a Dependent as defined in this Plan.

EXTENSION OF BENEFITS WHEN COVERAGE ENDS BECAUSE OF TOTAL DISABILITY: A Covered Person's Medical Benefits may end because of Total Disability. In that event, the Covered Person may opt for COBRA continuation. If your Plan provides for an extension of Coverage based on Total Disability, the Coverage will continue, until the earlier of the following:

1. the date this Plan is terminated;
2. the date maximum benefits under this Plan have been paid;
3. the date the individual is no longer Totally Disabled;
4. the date the individual becomes covered without limitation as to the disabling condition under any other group health plan;
5. the date the individual becomes eligible for Medicare; or
6. in any event, no longer than the time specified on your Schedule of Benefits after the date Coverage would otherwise have ended, if your Schedule of Benefits includes Total Disability information.

(In the case of conflicting information, your Schedule of Benefits takes precedence.)

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