© 2026 Surest. All Rights Reserved . 7 4. When Does My Coverage Begin and End? 4.1 Effective Dates If you enroll yourself in the Surest Plan during Open Enrollment, your coverage is effective on the first day of the Plan Year. For employees who are hired mid-year, coverage will begin on the first day following a 30-day waiting period. Coverage for eligible dependents that you properly enroll during Open Enrollment is effective on the same day your coverage begins. Coverage for a dependent spouse or stepchild added through marriage is effective on the date of your marriage, provided you notify the Plan Administrator within 31 days of your marriage. Coverage for dependent children added through birth, adoption, placement for adoption, or placement for foster care is effective on the date of the family status change, provided you notify the Plan Administrator within 31 days of the birth, adoption, or placement. Special Rule for Newborn If you are enrolled in the Surest Plan, your newborn child will be considered enrolled in the applicable Plan for the first 31 days of the newborn’s life. To continue coverage for the newborn dependent after this period, you must affirmatively enroll the child in the Plan within 31 days of the date of birth by contacting the Plan Administrator and supplying all required information within 31 days after the child’s birth. If you do not affirmatively enroll this child accordingly, the child will be terminated from coverage on the end of the 31st day. 4.2 End Dates Your coverage will terminate on the earliest of the following dates: • The date the Plan is terminated. • The date the covered employee terminates. • The date your eligibility under the Plan ends. • When you do not make your required premium contribution for coverage under the Surest Plan. Termination will be retroactive to the last day for which your required premium contribution was timely received. • The date you, or someone acting on your behalf, performed an act or practice that constitutes fraud or made an intentional misrepresentation (including an omission) of material fact under the terms of the Plan. • The last day of the month in which a covered dependent child turns 26. • The last day of the month in which a covered disabled dependent child age 26 or over ceases to be disabled.