Property of Bind Benefits, Inc., d/b/a Surest. All rights reserved © 2026. 3 3. Am I Eligible and How Do I Enroll? You are eligible to enroll for the Surest Plan for coverage if you are: • An eligible employee who is scheduled to work at least 30 hours per week. • An eligible dependent of the employee such as: − A legal spouse or domestic partner. − A domestic partner means an unrelated individual of the same or opposite sex for which the employee and domestic partner complete and sign the Plan Sponsors Affidavit of Domestic Partnership and Dependency or Non-dependency of Domestic Partner and Children. − You or your spouse's / domestic partner’s child who is under the age of 26, including: o a natural child. o a stepchild. o a legally adopted child. o a child placed in foster care. o a child placed for adoption. o a child for whom you or your spouse are the legal guardian. − Your child age 26 or over who is disabled and dependent upon you (see additional information below). − A dependent also includes a child for whom health care coverage is required through a Qualified Medical Child Support Order (QMCSO) or other court or administrative order. An employee must enroll in the Surest Plan coverage in order to enroll his/her dependents. If both parents are covered as employees, a child may be covered as a dependent of either parent, but not both. Employees and eligible dependents enrolled in the Surest Plan for coverage are referred to as ‘Participants’ in this SPD. Coverage for any child who is mentally or physically handicapped, mentally ill, or developmentally disabled, as determined by the Social Security Administration, and incapable of self-sustaining employment may continue to be enrolled in the Plan after they reach the limiting age of 26 if their disability began prior to such age. An illness that does not cause a child to be incapable of self-sustaining employment will not be considered a physical disability. The disabled child must be dependent on you for financial support, as defined by the Internal Revenue Code, and the covered employee must claim the disabled child as a dependent for IRS income tax purposes. The employee must provide proof that the child is incapable of self- sustaining employment within 31 days of the date the child reaches the limiting age of 26. The disabled child must meet the above support requirements and submit proof of disability to the Plan Administrator upon request. A newly hired employee may also add a disabled child as a dependent under the Surest Plan provided the child is incapable of earning his own living and the disability began prior to reaching the limiting age of 26. The disabled child must be dependent upon you for financial