Administrator has delegated authority for administering COBRA continuation coverage to the following COBRA Administrator: UPMC Benefit Management Services U.S. Steel Tower, 600 Grant Street Pittsburgh, PA 15219 (844) 220-4785 COBRA Continuation Coverage COBRA continuation coverage is a continuation of group health plan coverage when coverage would otherwise end because of a life event known as a "qualifying event." COBRA applies to each group health plan under the Plan. Specific qualifying events are listed later. COBRA continuation coverage must be offered to each person who is a "qualified beneficiary." A qualified beneficiary is someone who will lose coverage under the Plan because of a qualifying event. Depending on the type of qualifying event, employees, spouses of employees, and dependent children of employees may be qualified beneficiaries. Qualified beneficiaries who elect COBRA continuation coverage must pay for COBRA continuation coverage. If you are an employee, you will become a qualified beneficiary if you will lose your coverage because either one of the following qualifying events happens: (i) Your hours of employment are reduced; or (ii) Your employment ends for any reason other than your gross misconduct. If you are the spouse of an employee, you will become a qualified beneficiary if you will lose your coverage because any of the following qualifying events happens: (i) Your spouse dies; (ii) Your spouse's hours of employment are reduced; (iii) Your spouse's employment ends for any reason other than his or her gross misconduct; (iv) Your spouse becomes entitled to Medicare (Part A, Part B, or both); or (v) You become divorced or legally separated from your spouse. Your dependent children will become qualified beneficiaries if they will lose coverage because any of the following qualifying events happens: (i) The parent-employee dies; (ii) The parent-employee's hours of employment are reduced; (iii) The parent-employee's employment ends for any reason other than his or her gross misconduct; (iv) The parent-employee becomes entitled to Medicare (Part A, Part B, or both); (v) The parents become divorced or legally separated; or (vi) The child stops being eligible for coverage under the plan as a "dependent child." The Plan will offer COBRA continuation coverage to qualified beneficiaries only after the Plan Administrator (or a third-party COBRA administrator, as applicable) has been notified that a qualifying event has occurred. When the qualifying event is the end of employment or reduction of hours of employment, death of the employee, or entitlement of the employee to Medicare (Part A, Part B, or both), your Employer must notify the Plan Administrator (or a third- party COBRA administrator, as applicable) of the qualifying event within 30 days after the event or when you would otherwise lose coverage under the plan. For the other qualifying events (divorce or legal separation of the employee and spouse or a dependent child's losing eligibility for coverage as a dependent child), you must notify the Plan Administrator (or a third-party COBRA administrator, as applicable). The Plan requires you to notify the Plan Administrator (or a third-party COBRA administrator, as applicable) within 60 days after the qualifying event occurs or the date you would otherwise lose Page 10