97 5. The employee makes written request to the employer , for the continuation of coverage within ninety (90) days of his or her retirement date and pays both the employer's and employee's contributions for coverage. While the employer expects retiree coverage to continue, the employer reserves the right to modify or discontinue retiree coverage or any other provision of the Plan at any time. Types of Coverage Your Employer offers the enrollment options listed below. After reviewing the available options, you may choose the option that best meets your needs. The options are as follows: • Subscriber only (also referred to as single coverage); • Subscriber and spouse; • Subscriber and one child; • Subscriber and children; • Subscriber and family. When You Can Enroll Initial Enrollment The Employer will offer an initial enrollment period to new Subscribers and their Dependents when the Subscriber is first eligible for coverage. Coverage will be effective based on the waiting period chosen by the Employer, and will not exceed 90 days. If you did not enroll yourself and/or your Dependents during the initial enrollment period you will only be able to enroll during an Open Enrollment period or during a Special Enrollment period, as described below. Open Enrollment Open Enrollment refers to a period of time, usually 60 days, during which eligible Subscribers and Dependents can apply for or change coverage. Open Enrollment occurs only once per year. The Employer will notify you when Open Enrollment is available. Special Enrollment Periods If a Subscriber or Dependent does not apply for coverage when they were first eligible, they may be able to join the Plan prior to Open Enrollment if they qualify for Special Enrollment. Except as noted otherwise below, the Subscriber or Dependent must request Special Enrollment within 31 days of a qualifying event. Special Enrollment is available for eligible individuals who: • Lost eligibility under a prior health plan for reasons other than non - payment of fees or due to fraud or intentional misrepresentation of a material fact; • Exhausted COBRA benefits or stopped receiving group contributions toward the cost of the prior health plan; • Lost employer contributions towards the cost of the other coverage; • Are now eligible for coverage due to marriage, birth, adoption, or placement for adoption. Important Notes about Special Enrollment: • Members who enroll during Special Enrollment are not considered Late Enrollees.