When Does My Coverage Begin and End? Property of Bind Benefits, Inc., d/b/a Surest. All rights reserved © 2026. 8 • The last day of the month in which a covered disabled dependent child age 26 or over ceases to be disabled. 4.3 Leave of Absence Please contact your Plan Administrator’s representative for details on how your coverage is handled and if/when your coverage ends if you take a leave of absence. If you are absent from work due to an approved family or medical leave under the Family and Medical Leave Act of 1993 (FMLA), coverage may be continued for the duration of the approved leave of absence as if there was no interruption in employment. You are responsible for all required premium contributions for the Surest Plan while on a leave of absence. Such coverage will continue until the earlier of the expiration of such leave or the date you notify your employer that you do not intend to return to work. If you do not return after an approved leave of absence, you may be eligible to continue coverage, provided that you elect to continue coverage according to Section 10 (Continuation of Coverage) of this SPD. If the covered employee returns to work immediately following his/her approved FMLA leave, no new waiting periods will apply.