Health and Welfare Summary Plan Description

7.2 COBRA Events, Beneficiaries and Maximum Coverage Periods.

COBRA Coverage under the Plan will be provided in accordance with the following table:

Qualifying Event Qualified Beneficiary Maximum Coverage Period
Termination of Covered Employee's Covered Employment (other than for gross misconduct) or reduction in hours of employment resulting in a loss of coverage Employee and Dependents 18 months after loss of coverage
Death of Participant Dependents 36 months after loss of coverage
Divorce of Participant Former Spouse 36 months after loss of coverage
Dependent ceases to qualify as Dependent Applicable Dependent 36 months after loss of coverage

If you are on COBRA Coverage because of termination of Covered Employment or reduction in hours, you can extend coverage if a second qualifying event occurs during the initial 18-month period. The maximum period of COBRA Coverage may not exceed 36 months from the loss of Coverage. For example, should you die after 6 months of COBRA Coverage resulting from your termination of employment, your Dependents may qualify for a total of 36 months of COBRA Coverage.

  1. Disability Extension. If a Covered Individual is determined by the Social Security Administration to be disabled and the Plan Office is provided timely notice of the determination, all of the Covered Individual's covered family members may be entitled to receive up to an additional 11 months of COBRA Coverage, for a maximum of 29 months. This extension is available only for Covered Individuals receiving COBRA Coverage because of the Participant's termination of employment or reduction of hours. The disability must have started during the 60-day period beginning on first day of COBRA Coverage and must last at least until the end of the period of COBRA Coverage that would be available without the disability extension (generally 18 months).