Extended Coverage for Total Disability. You may be eligible to have your coverage extended under the Plan if your Employer Group terminates your Plan coverage and you are totally disabled on the date of termination. However, if your Employer Group replaces your coverage, then you may not be eligible. Your coverage will be extended for the treatment of the condition causing the total disability until the earlier of:
Extended Coverage for Total Disability. When a Covered Person is Totally Disabled on the date that coverage terminates, a temporary extension of coverage will be granted. The temporary extension will continue until (a) the day the Total Disability ends; or (b) 12 months from the date coverage under the Policy would otherwise have terminated whichever occurs first. No Premium will be charged for this coverage extension. With regard to an extension of coverage due to Total Disability, we may request proof of disability at any time. Continuation of Coverage If your coverage ends under the Policy, you may be entitled to elect continuation coverage (coverage that continues on in some form) in accordance with federal or state law. Continuation coverage under COBRA (the federal Consolidated Omnibus Budget Reconciliation Act) is available only to Enrolling Groups that are subject to the terms of COBRA. You can contact your plan administrator to determine if your Enrolling Group is subject to the provisions of COBRA. If you selected continuation coverage under a prior plan which was then replaced by coverage under the Policy, continuation coverage will end as scheduled under the prior plan or in accordance with federal or state law, whichever is earlier. We are not the Enrolling Group's designated "plan administrator" as that term is used in federal law, and we do not assume any responsibilities of a "plan administrator" according to federal law. We are not obligated to provide continuation coverage to you if the Enrolling Group or its plan administrator fails to perform its responsibilities under federal law. Examples of the responsibilities of the Enrolling Group or its plan administrator are: • Notifying you in a timely manner of the right to elect continuation coverage. • Notifying us in a timely manner of your election of continuation coverage.
