BWXT Y•12 - Long Term Care - When Coverage Ends

Your coverage under the plan ends on the earliest of:

when you reach your total lifetime limit
at your death
on the last day of the month your cancellation notice is received by MetLife (you may be eligible for coverage under the non-forfeiture feature as previously described)
if you fail to pay your premiums within 35 days after MetLife sends a written notice of termination of your coverage as stated in the grace period (you may be eligible for coverage under the non-forfeiture feature as previously described)
the date the group policy ends, subject to the provisions in "Continuation Coverage"
the date your employment with the group policyholder terminates, subject to the provisions in "Continuation Coverage"
if you are an eligible employee or eligible family member of an eligible employee, the date the eligible employee’s employment with the group policyholder terminates along with a group of employees as a result of corporate restructuring, acquisition, spinoff or similar circumstances, subject to the provisions in "Continuation Coverage."

In the event this group long term care insurance policy ends, you have the option of continuing your coverage at the same rate by making payments directly to MetLife.

Continuation Coverage
You have the right to continue coverage even if your coverage ends, except as stated below. This is called "Continuation Coverage" and it requires that you pay contributions to MetLife directly when they are due. You will automatically be provided Continuation Coverage unless you or your representative notifies MetLife that you do not want it.

Continuation Coverage is not available to the following categories of persons:

Category 1: Your coverage ends because you failed to make any required payment or contribution when due or you notified MetLife that you want to end your coverage;

Category 2: You have already received benefits that count toward your total lifetime benefit that are equal to your total lifetime benefit;

Category 3: The group policy terminates and coverage is replaced (within 31 days after termination) by other group coverage that:

is effective on the day following termination of coverage, and provides benefits which are identical to or are determined, as required under applicable law, to be substantially equivalent to or exceed those provided by the group policy;
and
calculates premium based on your age at inception of coverage under the group policy.

Category 4: Your employment with the Company terminates or, if you are an eligible family member of an eligible employee, that eligible employee's employment with the Company terminates along with a group of employees as a result of corporate restructuring, acquisition, spinoff or similar circumstances and coverage is replaced (within 31 days after termination) by other group coverage that:

is effective on the day following your termination of coverage
and
provides benefits which are identical to or are determined, as required under applicable law, to be substantially equivalent to or exceed those provided by the group policy
and
calculates premium based on your age at inception of coverage under the group policy.

MetLife may, in its discretion, offer Continuation Coverage to all persons in Categories 3 and/or 4. In this event, you will be notified in writing of MetLife’s offer.

Certificate of Insurance
In case of conflict among the terms contained in this summary plan description and the Certificate of Insurance, the Certificate of Insurance will govern.

Administrative Information
Information about the administration of your long term care insurance can be found in the section entitled “Administrative Information.”