R2001-191 AUTHORIZING APPLICATIONS

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changed, please con[act your Employer or your group administrator promptly to ensure that your Claims are processed in accordance with applicable MSP laws. Eli�ble Classes of Dependents.A Dependent is any one of the following persons: (1) A covered Employee's Spouse and unmarried children from birth to the limiting age of 23 years. The Dependent children must be primarily dependent upon the covered Employee for support and maintenance. When a child reaches the limiting age,coverage will end on the child's birthday. The term"Spouse" shall mean the person recognized as the covered Employee's husband or wife under the laws of the state where the covered Employee lives.The Plan Administrator may require documentation proving a legal marital relationship. The term"children" shall include natural children living in the same household as the Employee, college student, adopted children or children placed with a covered Employee in anticipation of adoption. Step-children who reside in the Employee's household may also be included as long as a natural parent remains married to the Employee and also resides in the Employee's household. If a covered Employee is the Legal Guardian of an unmarried child or children,these children may be enrolled in this Plan as covered Dependents. The phrase "child placed with a covered Employee in anticipation of adoption" refers to a child whom the Employee intends to adopt, whether or not the adoption has become final, who has not attained the age of 18 as of the date of such placement for adoption.The term"placed" means the assumption and retention by such Employee of a legal obligation for total or partial support of the child in anticipation of adoption of the child.The child must be available for adoption a�d the legal process must have commenced. Any child of a Plan Participant who is an alternate recipient under a qualified medical child support order shall be considered as having a right to Dependent coverage under this Plan with no Pre-Existing Conditions provisions applied. A participant of this Plan may obtain, without charge, a copy of the procedures governing qualified medical child support order(QMCSO)deternunations from the Plan Administrator. The phrase "primarily dependent upon" shall mean dependent upon the covered Employee for support and maintenance as defined by the Intemal Revenue Code and the covered Employee must declare the child as an income tax deduction.The Plan Administrator may require documentation proving dependency,including birth certificates,tax records or initiation of legal proceedings severing parental rights. (2) A covered Dependent child who reaches the limiting age and is Totally Disabled, incapable of self-sustaining employment by reason of inental or physical handicap, primarily dependent upon the covered Employee for support and maintenance and unmarried. The Plan Administrator may require, at reasonable intervals during the two years following the Dependent's reaching the limiting age, subsequent proof of the child's Total Disability and dependency. After such two-year period.the Plan Administrator may require subsequent proof not more than once each year.The Plan Administrator reserves the right to have such Dependent examined by a Physician of the Plan Administrator's choice, at the Plan's expense, to deternune the existence of such incapacity. These persons are excluded as Dependents: other individuals living in the covered Employee's home,but who are not eligible as defined; the legally separated or divorced former Spouse of the Employee; any person who is on active duty in any military service of any country. If a person covered under this Plan changes status from Employee ro Dependent or Dependent to Employee, and the person is covered continuousiy under this Plan before,during and after the change in status, credit will be given for deductibles and all amounts applied to maximums. 4