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florida Municipal Insurance Trust Medical Malter Plan of Benefits SECTION I - DEFINITIONS Accident means a non-occupational, unforeseeable, unintentional and unplanned event resulting in a traumatic injury to a participant occurring while this Plan is in force and resulting directly and independently of all other causes in loss covered by this Plan. The acts of bending, stooping, lifting, stretching or standing are covered as a sickness as defmed herein. Active Employee means an eligible employee who is performing all of his or her regular duties on a full-time basis for the Employer on a regularly scheduled work day. Benefits or Coverages means those hospital, medical, surgical and authorized related expenses as hereinafter provided, for which payment shall be made to, or on behalf of, a participant. Birthing: Center means a state-licensed facility or institution equipped to provide and provides prenatal care, delivery, immediate postpartum care of a child at the facility, has a physician or Certified Nurse Midwife present at all births and immediate postpartum period, provides full-time nursing services directed by a Registered Nurse or Certified Nurse Midwife, and keeps medical records on each patient and child. A birthing center is not an ambulatory surgical facility or a hospital. Calendar Year means a period of twelve (12) consecutive months commencing on January 1 and ending on December 31 in any given year. For participants enrolling during a calendar year, the Calendar Year begins on the effective date of their enrollment and ends on December 31 of that same year. Certified Nurse Midwife means a person who is licensed by the state as an advanced Registered Nurse Practitioner under Ch. 464, F.S., and who is certified to practice midwifery by the American College of Nurse Midwives. COBRA means the Consolidated Omnibus Budget Reconciliation Act of 1985 (H.R. 3128) signed into law on April 17, 1986 as Public Law 99-272, as amended. Co-Pay means the charge that the participant is required to pay for certain..covered . expenses provided under the Plan. This may be defined as either a dollar amount or a percentage of covered expenses. The participant is responsible for the payment of any Co-Pay directly to the Service Provider at the time of service. Contract means this agreement between the Trust and the employer by virtue of which the employer and its eligible employees and their dependents become participants; the Participation Agreement of the employer; The Agreement and Declaration of Trust creating the Health Benefit Trust; the rules, regulations and resolutions adopted by the Board of Trustees; the attached endorsements and riders, if any; the individual applications of the employees; and the identification cards issued to employees indicating their participation in the coverage provided hereunder. Covered Expenses means those eligible servlces as outlined in Section VI of this Plan. Dependent means the legal, married spouse of an employee and/ or eligible legal, unmarried (never married) dependent children as hereinafter described, residing