UA Local 447 Pipe Trades Trust Funds

COBRA Continuation Coverage	If you lose your eligibility for coverage, a law known as COBRA allows you and/or your dependents to self-pay for continued coverage under a set of defined "Qualifying Events." Participants must apply and make monthly self-payments in strict compliance with the rules in order to be covered under the COBRA provision.

Qualifying Event	Qualified Beneficiary	Maximum Continuation Period

1. Reduction in covered employee's hours	Employee, spouse and dependent children if covered under Plan	18 months after date of qualifying event

2. Termination of covered employee's employment	Employee, spouse and dependent children if covered under Plan	18 months after date of qualifying event

3. Death of covered employee under Plan	Spouse and dependent children if covered under Plan	36 months after date of qualifying event

4. Divorce of covered employee	Spouse and dependent children if covered under Plan	36 months after date of qualifying event

5. Dependent child's loss of that status under Plan	Affected dependent child if covered under Plan	36 months after date of qualifying event

Notification Requirement	You or your dependents are responsible for notifying the administrative office when divorce occurs or when a child loses dependent status. Notice must be given within six months after the later of: (1) the divorce or loss of dependent status, or (2) the actual loss of coverage. If the required notice is not provided within the time allowed, COBRA self-payment will not be permitted. See also: Conversion of Coverage for Kaiser Participants.