COBRA Qualifying Events Employee Termination of employment Employee, spouse and/or dependents 18 months/*29 months Reduction in hours Employee, spouse and/or dependents 18 months/*29 months Dependents (spouse and/or children) Employee's death Spouse and/or dependents 36 months Employee's divorce/legal separation Spouse and/or dependents 36 months Employee's entitlement to Medicare Spouse of retiree or employee 36 months Employee's retirement Spouse and/or dependents 36 months Dependent ceases to qualify Dependent child(ren) 36 months

* 29 months applies if a qualified beneficiary is determined by the Social Security Administration to be disabled for any time during the first 60 days of COBRA continuation coverage. To benefit from this extension, a qualified beneficiary must notify the Plan Administrator (Benefit Solutions) within 60 days and before the end of the original 18 month period. The affected individual must also notify Benefit Solutions, Inc. within 30 days of any determination that the individual is no longer disabled.