For Your Dependents
You may enroll your spouse and other Eligible Dependents for coverage, according to the following guidelines:

Medical, Prescription Drugs, Vision and Dental

Your spouse is under age 65 and you are over age 65 — Your spouse and other Eligible Dependents may continue the medical plan (including prescription drugs and vision care) and the dental plan until your spouse reaches age 65. You must be covered in the plan in order for a spouse or child to be covered as your dependent in the medical or dental plan. If a Retiree marries after his/her retirement effective date, any newly acquired dependents are not eligible for medical or dental coverage. Likewise, a surviving spouse cannot add dependents after the Retiree’s death.

Your spouse is over age 65 and you are under age 65 — Your spouse and other Eligible Dependents may continue the medical plan (including prescription drugs and vision care) and the dental plan until you reach age 65. You must be covered in the plan in order for a spouse or child to be covered as your dependent in the medical or dental plan. Your spouse must be enrolled in Medicare Part A and Part B (but not Part D). Medicare will pay eligible medical expenses as primary payor for your spouse. If a Retiree marries after his/her retirement effective date, any newly acquired dependents are not eligible for medical or dental coverage. Likewise, a surviving spouse cannot add dependents after the Retiree’s death.

Your spouse is over age 65 and you are over age 65 — The following rules apply to the Major Medical Medicare Supplement Plan (medical and prescription drugs):

• Your spouse may enroll if both of you are enrolled in Medicare Part A and Part B (but not Part D).
• You can enroll only yourself, or yourself and your spouse, when you or your spouse first become eligible at retirement. Dependents acquired after retirement are not eligible.
• You and your spouse must have been covered under the Company’s or another employer’s medical plan when you reach age 65. Proof of continuous coverage since your retirement is required.

• If you cancel coverage on yourself, your spouse’s coverage will also be canceled. You cannot re-enroll at a later date.
• If you or your spouse enroll in a Medicare Part D prescription drug plan, your Company coverage will be canceled and you cannot enroll at a later time.
• You can continue Company coverage for yourself but your spouse cannot be covered if you are not enrolled.
• A covered spouse can continue coverage at the Retiree’s death under single only coverage. A dependent who is later acquired is not eligible.
• A spouse who is also an active Employee or Retiree has individual eligibility rights.

The following rules apply to the dental plan (dental and vision):

• All Retirees and surviving spouses may enroll, regardless of coverage status under the Major Medical Medicare Supplement Plan.
• A Retiree may elect single only coverage, or dual coverage which also covers the spouse. A spouse cannot enroll unless the Retiree is covered.
• A surviving spouse may only enroll under single coverage.
• The Company does not contribute to the cost of coverage.

Long Term Care

• Your spouse is under or over age 65 — Your spouse is eligible to apply for long term care insurance at any age. You do not have to be enrolled in the plan. A surviving spouse can also apply. You and your spouse must complete a statement of health and be approved for the coverage.

The terms “Eligible Dependents” and “Child” are defined in the Glossary.

Medical (including prescription drugs and vision care) and dental coverage may be continued for an unmarried child who is incapable of self-support due to a physical or mental handicap that began before he or she reached age 24, provided you submit proof of the child’s disability to the insurance company within 30 days after the child reaches age 24. Additional proof of the child’s continuing disability will be required periodically.

Additional proof of the child's continuing disability will be required periodically. When your dependents are no longer eligible for health care coverage, they may be eligible to continue coverage for up to 36 months under COBRA. Refer to the "Administrative Information" section for information on COBRA.

The following chart provides a snapshot of who is eligible for each benefit plan, providing the eligibility requirements are met: