When Coverage Ends
Your coverage under any of the options available through the Trust automatically ends for you and your covered dependents on the last day of the month that you fail to meet the Trust's eligibility requirements.
Medical coverage for you and your dependents will end (subject to the exceptions noted below) when:
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You lose eligibility for coverage under the terms of the plan or your collective bargaining agreement
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Your employment ends due to voluntary or involuntary termination
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You retire (you may be eligible to continue under the Early Retiree Plan)
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You die while covered (see "If You Die While Covered by the Trust" for benefits available to surviving eligible covered Dependents). If you die while covered by the plan, coverage ends on the date of death
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The plan is terminated.
Coverage for dependents ends on the date your coverage ends or if any of the following events occur, if earlier:
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Spouse — Coverage ends on the last day of the month in which a divorce or annulment becomes final. Your ex-spouse may continue coverage on a self-pay basis if he or she meets the Trust's requirements for continuing coverage on a self-pay basis. (See "Continuing Coverage on a Self-Pay Basis" for more information.)
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Domestic partner — Coverage ends for a domestic partner and his or her covered children on the last day of the month in which the domestic partnership ends. The domestic partner and/or his or her eligible children may continue coverage on a self-pay basis if they meet the Trust's requirements for continuing coverage on a self-pay basis.
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Dependent children — Coverage automatically ends on the last day of the month in which a dependent child reaches age 26. Coverage ends earlier if a dependent otherwise no longer qualifies as a dependent under the plan. Coverage can be continued past age 25 if a dependent child is incapable of self-support due to a physical or mental disability. To qualify as a disabled child past age 25, your child must be unmarried, financially dependent on you and incapable of supporting himself or herself. However, a dependent child whose coverage ends may continue coverage on a self-pay basis if the dependent meets the Trust's requirements for continuing coverage on a self-pay basis.
You should inform the Trust if a dependent, spouse, domestic partner or child is no longer eligible to receive benefits from the Trust. Please be aware, if an individual who has been reported as your dependent receives benefits after Trust eligibility has or should have ended, the Trust may recover the improperly paid benefits from you.
If your dependent dies, coverage ends for that dependent on the date of death.
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