Continuation of Coverage Property of Bind Benefits, Inc., d/b/a Surest. All rights reserved © 2026. 71 date of the determination, or the end of the initial coverage period, if later. If you do not provide the notification within the required time, the Surest Plan reserves the right to seek reimbursement of any Benefits provided by the Surest Plan between the date coverage terminates and the date the notification is provided. Failure to provide timely and complete notice ends the right to COBRA continuation coverage. COBRA Administrator HRPRO 1025 N. Campbell Road Royal Oak, MI 48067 Phone: (800) 989-8776 Election Rights When a qualifying event occurs, or when the Plan Administrator is notified that a qualifying event has occurred in the case of those events in which the employee has an obligation to provide notice, the Plan Administrator must notify the qualified beneficiaries of the right to elect continuation coverage. Qualified beneficiaries have 60 days to elect continuation coverage measured from the later of: • The date coverage would be lost because of a qualifying event. • The date a notice of election rights is provided. An election is considered made on the date sent. If continuation coverage is elected within this period, the coverage is retroactive to the date coverage would otherwise have been lost. If continuation coverage is not elected within this period, coverage under the Surest Plan ends. Each qualified beneficiary has an independent right to elect continuation coverage. Employees may elect continuation coverage on behalf of all qualified beneficiaries, and parents may elect continuation coverage on behalf of their children. Furthermore, other third persons can elect continuation coverage on behalf of a qualified beneficiary. Qualified beneficiaries are allowed to maintain continuation coverage as follows: • 18 months. If the qualifying event is the employee’s termination of employment (other than for gross misconduct) or a reduction in hours of employment, the continuation period is 18 months measured from the date coverage would otherwise be lost because of the qualifying event. • Disability Extension. For qualified beneficiaries receiving continuation coverage because of the employee’s termination or reduction in hours, the continuation period may be extended 11 months, for a total maximum of 29 months, where a qualified beneficiary receives a determination under the Social Security Act that at the time of the employee’s termination of employment or reduction of hours, or within 60 days of the start of the 18-month continuation period, the qualified beneficiary was disabled. The extension is available to all qualified beneficiaries in the family group.