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DENTAL COVERAGE CONTINUATION "lbe following provisions comply with the federal Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) as amended, fhese provisions apply when Dental Coverage is provided by a private Employer with 20 or more employees (as dermed by COBRA), Any further changes made to the COBRA continuation requirements will automatically apply to these continuation provisions. RIGHT TO CONTINUE, Insurance may be continued in accord with the following provisions when: (1) a Covered Person becomes ineligible for Policy coverage due to a Qualifying Event shown below; and (2) this Policy remains in force, "Qualifying Event" means one of the following events, if it would otherwise result in a QualifIed COBRA BenefIciary's loss of Policy coverage: (1) the Covered Employee's termination of employment or hours reduction; (2) the Covered Employee's death, divorce or legal separation; (3) the Covered Employee's becoming entitled to Medicare benefIts; or (4) a child's ceasing to be an eligible Covered Dependent, under the terms of this Policy. "Qualified Beneficiary" means the Covered Employee and any Covered Dependent who is entitled to continue insurance under this Policy, from the date of the Covered Employee's fIrst Qualifying Event. It also includes the Covered Employee's natural child, legally adopted child or child placed for the purpose of adoption; when the new child: (1) is acquired during the Covered Employee's 18- or 29-month continuation period; and (2) is enrolled for insurance in accord with the terms of this Policy. But it does not include the Covered Employee's new spouse, stepchild or foster child acquired during that continuation period; whether or not the new Dependent is enrolled for Policy coverage. CONTINUATION PERIODS. The maximum period of continued coverage for each Qualifying Event shall be as follows, Termination of Employment. When eligibility ends due to the Covered Employee's termination of employment; then coverage for the Covered Employee and any Covered Dependents may be continued for up to 18 months, from the date employment ended. Termination of employment includes a reduction in hours or retirement. Exceptions: (1) Misconduct. If the Covered Employee's termination of employment is for gross misconduct, coverage may not be continued for the Covered Employee or any Covered Dependents, (2) Disability, "Disability" or "Disabled" as used in this section, shall be as dermed by Title II or XVI of the Social Security Act and determined by the Social Security Administration, If the Covered Employee: (a) becomes disabled by the 60th day after his or her employment ends; and (b) is covered for Social Security Disability Income benefIts; then coverage for the Covered Employee and any Covered Dependents may be continued for up to 29 months, from the date the Covered Employee's employment ended, If the Covered Employee's Dependent: (a) becomes disabled by the 60th day after the Covered Employee's employment ends; and (b) is covered for Social Security Disability IDcome benefIts; then coverage for that Covered Dependent may be continued for up to 29 months, from the date the Covered Employee's employment ended. GLll-20-COBRA 28 09/01/01