The eligibility and enrollment rules for the U

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Retiree Health Care SPD Effective January 1, 2012 BENEFITS ADMINISTRATIVE INFORMATION When Coverage Ends Your coverage under the Program will end when one of the following events first occurs. For you: • You die; • You no longer satisfy the eligibility requirements for participation; • You fail to pay any required premiums in full by the required due date; • You request that coverage be terminated; • You are on active duty military leave deployment for more than 6 weeks or other military training leave lasting more than 90 days (refer to the “USERRA” section in this SPD); or • The Program is discontinued or amended so that you lose eligibility. In addition to the events listed above, coverage for your dependents will end due to: • Divorce, legal separation or termination of domestic partnership (if you terminate your domestic partnership, coverage for your partner and any covered dependent(s) of your partner will end); • The dependent child reaches his/her 26 th birthday; • The dependent no longer satisfying the dependent criteria for participation in a plan or Program; • For dependent children only, the death of both you (the retiree) and your spouse; • A decision by you to terminate coverage; or • You fail to provide requested documentation that proves your dependent’s eligibility for coverage or the documentation you provide does not verify your dependent’s eligibility for coverage. If one of the events listed above occurs, your health care coverage will end on the last day of the month in which ineligibility occurs. If you commit an act, practice or omission that constituted fraud, or an intentional misrepresentation of a material fact, U.S. Bank reserves the right to terminate coverage retroactively with proper notice. Failure to Notify U.S. Bank of Dependent Ineligibility If you do not call the U.S. Bank Employee Service Center within 60 days of the date your dependent became ineligible, coverage will be cancelled retroactively 60 days from the date you do contact the service center or the date you fail to provide requested documentation proving your dependent’s eligibility for coverage. In this event, if your coverage level changed, premiums for coverage will only be refunded for the period between the date coverage for the dependent was cancelled and the date your new premiums became effective. You will be responsible for any claims incurred after the coverage end date. Additionally, your dependent will not be eligible for COBRA coverage. COBRA will not be offered now or ongoing. 126
Retiree Health Care SPD Effective January 1, 2012 USERRA If you lose coverage for certain benefits (e.g., health coverage) because of duty in the uniformed services, you and your covered dependents will be entitled to elect certain continuing coverage. This extended coverage will last no more than 24 months and cannot be extended regardless of the occurrence of any other subsequent event. This complies with the benefit provisions of the Uniformed Services Employment and Reemployment Rights Act (USERRA). The uniformed services are: • the Armed Forces, the Army National Guard and the Air National Guard (when engaged in active duty for training, inactive duty training, or full-time National Guard duty); • the Commissioned Corps of the Public Health Service; and • any other category of persons designated by the President of the United States in time of war or emergency. Situations That Affect Your Coverage If you die while your family is covered by the U.S. Bank Retiree Health Care Program, under the current terms of the Program your spouse/domestic partner can continue retiree health care coverage as long as the Program continues to be available and subject to any changes made to the Program. In addition, your children can stay covered for as long as they are eligible, and your spouse/domestic partner continues under the Program. However, your spouse/domestic partner may not add any dependents to the Program at any time. If after your death, your spouse/domestic partner also dies, coverage for your covered dependent children will end, subject under certain circumstances to rights to COBRA. Refer to the “Dependents Continuing Coverage After It Would Otherwise End — COBRA” section for more information. Health Coverage Certificates If you or your dependent(s) lose coverage under the U.S. Bank Retiree Health Care Program, U.S. Bank, or its designated administrator, will provide a written coverage certification. The purpose of this certification, called a “certificate of creditable coverage,” is to enable you (and/or your dependents) to submit the certificate as proof of prior coverage when obtaining new health coverage. Certificates will be provided automatically when your (and/or your dependents’) coverage ends as well as when COBRA coverage (if any) ends. You also have the right to request a certificate within 24 months from the date your coverage through U.S. Bank ended by contacting the Claims Administrator’s customer service department. Dependents Continuing Coverage After It Would Otherwise End — COBRA In some cases, your spouse and your dependent children may have the option of continuing health care coverage when coverage under the U.S. Bank Retiree Health Care Program would otherwise end. This continuation right is provided in accordance with the Consolidated Omnibus Budget Reconciliation Act of 1986 (COBRA). Your dependents will have to pay for such coverage. 127
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The eligibility and enrollment rules for the U

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