Property of Bind Benefits, Inc., d/b/a Surest. All rights reserved © 2026. 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 first day of the month coinciding with or immediately following the employee’s date of hire or becoming newly eligible and once the Plan Administrator receives your properly completed enrollment information. 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. Coverage for eligible domestic partners and their children become effective the date of your partnership provided you notify Human Resources within 31 days and sign the Plan Sponsor’s Affidavit of Domestic Partnership and Dependency or Non-dependency of Domestic Partner and Children. 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 the status as domestic partner or dependent children of the domestic partner as attested in the Affidavit of Domestic Partnership and Dependency or Non-dependency of Domestic Partner and Children change results in the domestic partner and/or the dependent children of the domestic partner no longer qualifies for coverage under the Plan. • The last day of the month in which a covered dependent child turns 26.