42 o You fail to report to work or to apply for reemployment within the time period required by USERRA following the completion of your service; or o You lose your rights under USERRA, for example, as a result of a dishonorable discharge. If the leave is 30 days or less, your contribution amount will be the same as for active employees. If the leave is longer than 30 days, the required contribution will not exceed 102% of the cost of coverage. Coverage continued under this provision runs c oncurrently with coverage described above under the section entit led “COBRA ”. If your coverage under the Plan terminated because of your Service in the Uniformed Services, your coverage will be reinstated on the first day you return to employment if you are released under honorable conditions and you return to employment within the time period(s) required by USER RA. When coverage under the Plan is reinstated, all of the Plan ’s provisions and limitations will apply to the extent that they would have applied if you had not taken military leave and your coverage had been continuous. This waiver of limitations does not provide coverage for any illness or injury caused or aggrava ted by your military service, as determined by the V eterans A dministration (VA) . ( For complete information regarding your rights under USERRA, contact your Employer . ) The Plan intends to comply with all existing regulations of USERRA. If , for some reason , the information presented in the Plan differs from the actual regulations of USERRA, the Plan reserves the right to administer the Plan in accordance with such actual regulations. Leave o f Absence Mandated Under State And Local Laws The Plan may be required to maintain coverage for an employee based on the provisions of applicable state or local laws. Such laws may allow employees protected leave for various reasons such as sick leave, family leave, parental leave, domestic violence l eave or other reasons mandated by state and local statutes. BENEFIT CONTIN UATION PROVISIONS FOR NO N - STATU TORY LEAVE OF ABSENCE Coverage under the plan may be continued under the provisions of applicable company policy. The Plan may allow an employee to remain covered when a leave of absence is needed for personal or medical reasons and when the employee does not qualify for leave under statute such as FMLA or USERRA or state /local statu t e as noted above. There may be limits to the amount of time the employee may remain on the plan as an active participant and after such time, the employee may be offered continuation of coverage under federal COBRA or state continuation of coverage provisions. Please refer to the c ompany’s Employee Handbook for specific provisions related to such non - statutory leaves of absence. AFFORDABLE CARE ACT The Plan will also comply with stability rules under the Affordable Care Act (ACA), where the employee may still be able to maintain coverage under the plan outside of a leave of absence provided for under statute or under applicable company policy.

2026 Benefits Guide by Snellings Walters - Page 90 2026 Benefits Guide by Snellings Walters Page 89 Page 91