Common use of Dependent Children Clause in Contracts

Dependent Children. When your enrolled child no longer qualifies as a dependent, coverage will end on the last day of the month in which the dependent attains the age of 26 or otherwise ceases to qualify as an eligible dependent. See ”Eligibility and Enrollment” for information on when your dependent child is eligible beyond age 25. See State and Federal Continuation Coverage where you can find more information on other coverage options for those who no longer qualify for coverage. Coverage for your dependents will end on the last day of the month in which your death occurs. However, your dependents may extend their coverage on a self-pay basis. Refer to the State and Federal Continuation Coverage section for details on the extended coverage. State and Federal Continuation Coverage‌ Under federal and state laws, you and your family members can have the right to continue this plan’s coverage for a specified time. The following sections describe your rights to continuation under state and federal laws, and the requirements you must meet to enroll in continuation coverage.‌ Oregon State Continuation Under this plan, you may have continuation coverage rights under Oregon state law. If your employer has fewer than 20 employees, or if your group is not subject to the continuation of coverage provisions of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) as amended, you can continue your coverage for up to nine months. You and your enrolled family members can continue coverage if you, the employee, no longer qualify for coverage under the plan (for example, if your work hours are reduced or you quit your job). Your spouse or domestic partner and dependent children can also continue coverage under this plan if you divorce, dissolve your domestic partnership, become eligible for Medicare benefits that results in a loss of coverage, or die. Your children can also continue coverage under this plan if they no longer qualify as a dependent under the terms of this plan. Continuation coverage can last a maximum of nine months. Premium for continuation coverage is the responsibility of you or your family member. The following restrictions also apply to anyone electing Oregon continuation coverage: • To qualify for continuation, you must have been covered under the plan for at least three months before the date of the qualifying event. If your employer recently switched to this Group Policy from another group health plan without a break in coverage, you will receive credit for time under the previous plan. • Family members who were not enrolled in the plan cannot elect continuation. The only exceptions are newborn babies and newly acquired dependents not covered by another group health plan. • To apply for continuation, you must submit to your employer a completed State Continuation Coverage Election Form within ten days after the date on your continuation notice or the date of your qualifying event, whichever is later. • You must pay continuation premiums to your employer by the first of each month. Your employer will include your continuation premium in its regular monthly payment. Samaritan Health Plans cannot accept the premium directly from you. • The plan must still be insured by Samaritan Health Plans. If the Group Policy is discontinued by your employer or is otherwise terminated, you will no longer qualify for continuation through this Group Policy.

Dependent Children. Dependent children include your natural or legally adopted children, or step-children who: ■ are unmarried, ■ are not employed on a full-time basis, ■ are not eligible for insurance as an employee under this plan or any other group plan, and ■ are under 21 years of age, or, if in full-time attendance at an accredited school, college or university, are under 25 years of age. A child insured under this plan, who is incapacitated due to a mental or physical handicap on the date he reaches the age when he would otherwise no longer be eligible for coverage, will continue to be an eligible dependent subject to written proof of the dependent's condition. A child is considered incapacitated if he is incapable of engaging in any substantially gainful activity and is dependent on you for support, maintenance and care, due to a mental or physical handicap. A stepchild must be living with you to be an eligible dependent. When Coverage Starts Coverage for you and your enrolled eligible dependents commences on the date you first become eligible to enroll. If you are not actively at work on the date your coverage would normally begin, your coverage will not start until you return to active full-time work. Changing Your Coverage There are times when you may need to change your coverage under the dependent life, spouse optional life, extended health care and/or dental care plans, either reducing or adding coverage as appropriate. This may be necessary if: ■ you acquire a new spouse or dependent child, ■ you separate or divorce, ■ your spouse or dependent child dies, ■ your child no longer qualifies as a dependent, coverage will end on the last day of the month in which the dependent attains the age of 26 or otherwise ceases to qualify as an eligible dependent, or ■ you acquire or lose similar benefits through your spouse's plan. See ”Eligibility and Enrollment” for information on when In all cases, contact your dependent child is eligible beyond age 25. See State and Federal Continuation Coverage where Plan Administrator who will help you can find more information on other coverage options for those who no longer qualify for make the necessary changes to your coverage. WHEN COVERAGE TERMINATES Coverage for you and your dependents will end on: ■ the date your employment ends, ■ the date you or your dependents cease to qualify for coverage based on the last day plan's eligibility requirements, ■ the date you enter an armed service on full-time duty, ■ the date your employer receives a written request from you to terminate the insurance, where permitted, ■ the date you fail to make any required premium contribution, ■ the date you attain age 70 (applies to basic life, accidental death and dismemberment and dependent life), ■ the date you attain age 65 (applies to term life, employee optional life, spouse optional life and long term disability insurance), ■ the date you retire (with the exception of Retirement Life Insurance coverage), or ■ the month date the group plan is cancelled. If you are not actively at work due to Maternity or Parental Leave of Absence, coverage may be continued for the period of leave to which you are entitled by legislation provided premiums continue to be paid on your behalf. If you do not intend to continue your coverage during this period, where permitted by law, you must inform your employer in which writing on or before the date your death occursleave begins. In this case, coverage for you and your dependents will not be reinstated until you return to active full-time work. Coverage for you and your dependents will cease on the date you are not actively at work due to lay-off, leave of absence (other than maternity or parental leave), strike or lock-out. If you are not actively at work due to illness or injury: ■ your life, accident and disability coverage will continue in accordance with the "Waiver of Premium" provisions described in the applicable sections of this handbook, and ■ extended health care and dental care coverage for you and your dependents will continue until your employer terminates such coverage, provided premiums continue to be paid on your behalf and this plan remains in force. If You Retire Early (Applies to Management employees only) Coverage for you and your dependents will stop on the date you retire. However, if you are a management employee and retire prior to your dependents may extend their 65th birthday, but on or after your 55th birthday, and qualify to receive an early pension through OMERS, your dental and extended health coverage on a self-pay basis. Refer (subject to the State exclusions indicated in the paragraph below) may be continued until you reach age 65, provided you apply for such continued coverage within 31 days preceding the date you retire. Extended health coverage for early retirees excludes out-of-country and Federal Continuation Coverage section for details on travel assistance benefits, as described herein. Contact your Plan Administrator who will explain the extended coverage. State and Federal Continuation Coverage‌ Under federal and state lawspremium cost to you, you and your family members can have the right where applicable, to continue this plan’s your coverage for a specified timeand help you enroll. The following sections describe your rights to continuation If you retire under state and federal laws, and the requirements you must meet to enroll in continuation coverage.‌ Oregon State Continuation Under this planan Early Retirement or Normal Retirement pension through OMERS, you may have continuation coverage rights under Oregon state law. If your employer has fewer than 20 employees, or if your group is not subject to the continuation of coverage provisions of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) as amended, you can continue your coverage for up to nine months. You and your enrolled family members can continue coverage if you, the employee, no longer qualify for coverage under a reduced amount of life insurance. Coverage details are provided in the plan (for example, if your work hours are reduced or you quit your job). Your spouse or domestic partner and dependent children can also continue coverage under this plan if you divorce, dissolve your domestic partnership, become eligible for Medicare benefits that results in a loss of coverage, or die. Your children can also continue coverage under this plan if they no longer qualify as a dependent under the terms Life Insurance section of this planhandbook. Continuation coverage can last a maximum HOW THE PLAN WORKS Reimbursement of nine months. Premium for continuation coverage eligible dental services and supplies is based on the responsibility of you or your family member. The following restrictions also apply to anyone electing Oregon continuation coverage: • To qualify for continuation, you must have been covered under the plan for at least three months before the date of the qualifying event. If your employer recently switched to this Group Policy from another group health plan without a break in coverage, you will receive credit for time under the previous plan. • Family members who were not enrolled fees recommended in the plan cannot elect continuationcurrent Ontario Dental Association Fee Guide for General Practitioners and Specialists — updated automatically each year. The only exceptions are newborn babies and newly acquired dependents not covered by another group health planThere is no dental care deductible. • To apply for continuation, you must submit to your employer a completed State Continuation Coverage Election Form within ten days after the date on your continuation notice or the date of your qualifying event, whichever is later. • You must pay continuation premiums to your employer by the first of each month. Your employer will include your continuation premium in its regular monthly payment. Samaritan Health Plans cannot accept the premium directly from you. • WHAT IS COVERED The plan must still be insured by Samaritan Health Plans. If provides 100% reimbursement for the Group Policy is discontinued by your employer or is otherwise terminated, you will no longer qualify for continuation through this Group Policy.following BASIC dental services:

Dependent Children. Dependent children include your natural or legally adopted children, or step-children who:  are unmarried,  are not employed on a full-time basis,  are not eligible for insurance as an employee under this plan or any other group plan, and  are under 21 years of age, or, if in full-time attendance at an accredited school, college or university, are under 25 years of age. A child insured under this plan, who is incapacitated due to a mental or physical handicap on the date he reaches the age when he would otherwise no longer be eligible for coverage, will continue to be an eligible dependent subject to written proof of the dependent's condition. A child is considered incapacitated if he is incapable of engaging in any substantially gainful activity and is dependent on you for support, maintenance and care, due to a mental or physical handicap. A stepchild must be living with you to be an eligible dependent. When Coverage Starts Coverage for you and your enrolled eligible dependents commences on the date you first become eligible to enroll. If you are not actively at work on the date your coverage would normally begin, your coverage will not start until you return to active full-time work. Changing Your Coverage There are times when you may need to change your coverage under the dependent life, spouse optional life, extended health care and/or dental care plans, either reducing or adding coverage as appropriate. This may be necessary if:  you acquire a new spouse or dependent child,  you separate or divorce,  your spouse or dependent child dies,  your child no longer qualifies as a dependent, coverage will end on the last day of the month in which the dependent attains the age of 26 or otherwise ceases to qualify as an eligible dependent, or  you acquire or lose similar benefits through your spouse's plan. See ”Eligibility and Enrollment” for information on when In all cases, contact your dependent child is eligible beyond age 25. See State and Federal Continuation Coverage where Plan Administrator who will help you can find more information on other coverage options for those who no longer qualify for make the necessary changes to your coverage. WHEN COVERAGE TERMINATES Coverage for you and your dependents will end on:  the date your employment ends,  the date you or your dependents cease to qualify for coverage based on the last day plan's eligibility requirements,  the date you enter an armed service on full-time duty,  the date your employer receives a written request from you to terminate the insurance, where permitted,  the date you fail to make any required premium contribution,  the date you attain age 70 (applies to basic life, accidental death and dismemberment and dependent life),  the date you attain age 65 (applies to term life, employee optional life, spouse optional life and long term disability insurance),  the date you retire (with the exception of Retirement Life Insurance coverage), or  the month date the group plan is cancelled. If you are not actively at work due to Maternity or Parental Leave of Absence, coverage may be continued for the period of leave to which you are entitled by legislation provided premiums continue to be paid on your behalf. If you do not intend to continue your coverage during this period, where permitted by law, you must inform your employer in which writing on or before the date your death occursleave begins. HoweverIn this case, your dependents may extend their coverage on a self-pay basis. Refer to the State and Federal Continuation Coverage section for details on the extended coverage. State and Federal Continuation Coverage‌ Under federal and state laws, you and your family members can have dependents will not be reinstated until you return to active full-time work. Coverage for you and your dependents will cease on the right date you are not actively at work due to lay-off, leave of absence (other than maternity or parental leave), strike or lock-out. If you are not actively at work due to illness or injury:  your life, accident and disability coverage will continue in accordance with the "Waiver of Premium" provisions described in the applicable sections of this plan’s handbook, and  extended health care and dental care coverage for a specified time. The following sections describe you and your rights to continuation under state and federal laws, and the requirements you must meet to enroll in continuation coverage.‌ Oregon State Continuation Under this plan, you may have continuation coverage rights under Oregon state law. If dependents will continue until your employer has fewer than 20 employeesterminates such coverage, or if provided premiums continue to be paid on your group is not subject to the continuation of coverage provisions of the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) as amended, you can continue your coverage for up to nine months. You behalf and your enrolled family members can continue coverage if you, the employee, no longer qualify for coverage under the plan (for example, if your work hours are reduced or you quit your job). Your spouse or domestic partner and dependent children can also continue coverage under this plan if you divorce, dissolve your domestic partnership, become eligible for Medicare benefits that results remains in a loss of coverage, or die. Your children can also continue coverage under this plan if they no longer qualify as a dependent under the terms of this plan. Continuation coverage can last a maximum of nine months. Premium for continuation coverage is the responsibility of you or your family member. The following restrictions also apply to anyone electing Oregon continuation coverage: • To qualify for continuation, you must have been covered under the plan for at least three months before the date of the qualifying event. If your employer recently switched to this Group Policy from another group health plan without a break in coverage, you will receive credit for time under the previous plan. • Family members who were not enrolled in the plan cannot elect continuation. The only exceptions are newborn babies and newly acquired dependents not covered by another group health plan. • To apply for continuation, you must submit to your employer a completed State Continuation Coverage Election Form within ten days after the date on your continuation notice or the date of your qualifying event, whichever is later. • You must pay continuation premiums to your employer by the first of each month. Your employer will include your continuation premium in its regular monthly payment. Samaritan Health Plans cannot accept the premium directly from you. • The plan must still be insured by Samaritan Health Plans. If the Group Policy is discontinued by your employer or is otherwise terminated, you will no longer qualify for continuation through this Group Policyforce.