R2001-191 AUTHORIZING APPLICATIONS

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ENROLLMENT Enrollment Requirements.An Employee must enroll for coverage by filling out and signing an enrollment applica[ion along with the appropriate payroll deduction authorization. The covered Employee is required to enroll for Dependent coverage also. Enrollment Requirements for Newborn Children. A newborn child of a covered Employee who has Dependent coverage is not automatically enrolled in this Plan. Charges for covered nursery care will be applied toward the Plan of the covered parent. If the newbom child is required to be enrolled and is not enrolled in this Plan on a timely basis, as defined in the section "Timely Enrollments" following this section, there will be no payment from the Plan and the covered parent will be responsible for all costs. Charges for Routine Newborn Nursery/Physician Care services,following delivery,will be applied toward the Plan of the covered parent. If the newborn child is required to be enrolled and is not enrolled in this Plan on a timely basis, there will be no payment from the Plan and the covered parent will be responsible for all costs. For coverage of Sickness or Injury, including Medically Necessary care and treatment of congenital defects, birth � abnormalities or complications resulting from prematurity,the newborn child is required to be enrolled,he or she must be enrolled as a Dependent under this Plan within 31 days of the child's birth in order for non-routine coverage to take effect from the birth. If the child is required to be enrolled and is not enrolled within 31 days of birth,the enrollment will be considered a Late Enrollment. TIMELY OR LATE ENROLLMENT (1) Timely Enrollment-The enrollment will be "timely" if the completed form is received by the Plan Administrator no later than 31 days after the person becomes eligible for the coverage,either initially or under a Special Enrollment Period. (2) Late Enrollment-An enrollment is "late" if it is not made on a "timely basis" or during a Special Enrollment Period. If you do not make application to add additional Dependents to your Family Coverage within 31 days, you can make application for coverage at any time or you can make application during the Enrollment Period deternuned by your Employer. Your Dependents will be subject to the 546 days Pre-Existing Condition Waiting Period as described in the Pre-Existing Condition Waiting Period provision of this benefit section. Such changes would then be effective on a date determined by your Employer. Please contact the Risk Management Department for more information. If an individual loses eligibility for coverage as a result of terminating employment or a general suspension of coverage under the Plan,then upon becoming eligible again due to resumption of employment or due to resumption of Plan coverage, only the most recent period of eligibility will be considered for purposes of determining whether the individual is a Late Enrollee. The time between the date a Late Enrollee first becomes eligible for enrollment under the Plan and the first day of coverage is not treated as a Waiting Period.Coverage begins immediately after enrollment. SPECIAL ENROLLMENT PERIODS The enrollment date for anyone who enrolls under a Special Enrollment Period is the first date of coverage. Thus,the time between the date a special enrollee first becomes eligible for enrollment under the Plan and the first day of coverage is not treated as a Waiting Period. (1) Individuals losing other coverage.An Employee or Dependent who is eligible, but not enrolled in this Plan, may enrotl if each of the following conditions is met: 6