Continuation of Coverage Property of Bind Benefits, Inc., d/b/a Surest. All rights reserved © 2026. 68 under the Surest Plan pursuant to a Qualified Medical Child Support order (QMCSO) is a qualified beneficiary. • Employee Loss of Coverage. If covered by the Surest Plan, the employee has the right to elect continuation coverage if they lose coverage under the Surest Plan due to termination of employment (other than for gross misconduct) or a reduction in hours of employment. • Spouse or Dependent Child’s Loss of Coverage. If covered by the Surest Plan, a spouse or dependent child has the right to elect continuation coverage if they lose coverage under the Surest Plan due to any of the following: − The employee’s termination of employment (other than for gross misconduct) or a reduction in hours of employment. − The employee’s death. − The employee’s entitlement to (actual coverage under) Medicare. − The spouse or child ceasing to be a dependent under the terms of the Surest Plan. Participant’s Responsibility to Notify In certain circumstances, you are required to provide notification to the Plan Administrator to protect your rights under COBRA. These circumstances are: • Notice of Qualifying Event. Under the law, the Participant (or a representative acting on behalf of the Participant) has the responsibility to inform the Plan Administrator of a spouse or child losing dependent status under the Surest Plan within 60 days of the latest of: − The date of the qualifying event. − The date coverage would be lost because of the qualifying event. − The date on which the qualified beneficiary was informed of the responsibility to provide the notice and the procedures for doing so. The notice must be provided in writing and be mailed to the Plan Administrator at the address identified below. Oral notice by telephone is not acceptable. Electronic (including emailed or faxed) or hand-delivered notices are not acceptable. Your notice must be postmarked no later than the last day of the 60-day notice period described above. The notice must: − State the name of the Surest Plan. − State the name and address for the employee or former employee who is or was covered under the Surest Plan. − State the name(s) and address(es) of all qualified beneficiaries who lost coverage due to the qualifying event. − Include a detailed description of the event. − Identify the Effective Date of the event. − Be accompanied by any documentation providing proof of the event (e.g., a death certificate).