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COBRA
Under Federal law, you, your spouse, and your dependents may be entitled to COBRA
continuation coverage in certain circumstances. Please see the "COBRA NOTICE" that is
attached to the end of this Summary Plan Description for important information about your right
to COBRA continuation coverage, which is a temporary extension of coverage under the Plan.
The COBRA NOTICE generally explains COBRA continuation coverage and when it may
become available to you. The Plan Administrator will inform you of these rights, if any, when
you terminate employment.
FMLA
If you go on unpaid leave that qualifies as family leave under the Family and Medical
Leave Act you may be able to continue receiving health care benefits.
You may elect to continue coverage on a pre-tax or after tax basis for non medical
benefits when on leave of absence under the FMLA.
Non FMLA Leave
In addition, you may elect to continue coverage on a pre-tax or after tax basis when on
leave of absence other than the FMLA.
YOUR RIGHTS UNDER ERISA
As a participant, you are entitled to certain rights and protections under the Employee
Retirement Income Security Act of 1974 (ERISA). This federal law provides that you have the
right to:
Examine, without charge, at the Plan Administrator's office and at other specified
locations, such as worksites and union halls, all documents governing the Plan, including
insurance contracts and collective bargaining agreements, and a copy of the latest annual
report (Form 5500 Series) filed by the Plan with the U.S. Department of Labor and
available at the Public Disclosure Room of the Employee Benefits Security
Administration if a 5500 is required to be filed by the plan.
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