The entire coverage of a Plan Participant shall immediately terminate:

1. On the date the Plan Participant ceases to be eligible for coverage according to the rules for eligibility established by the Trustees; or
2. On the date of death of the active Plan Participant; or
3. On the date the Plan is terminated;

Provided, however, that Your absence from work due to lay-off, leave of absence or retirement will not be treated as a termination in accordance with the Eligibility for Benefits Rules established by the Trustees.

A Dependent’s coverage will terminate on the earliest of the following:

1. The date Your coverage terminates, except that if the cause was your death, in which case eligibility will be extended until the end of the then current coverage period, but not less than two months;
2. The date he/she enters the armed forces of any country;
3. The 31st of December following the date the Dependent child ceases to be a dependent as defined in this booklet.

However, if an unmarried covered Dependent child is totally and permanently disabled and;

• Incapable of self-support due to mental illness; developmental disability; mental handicap, as defined in the mental hygiene law of New York; or physical handicap; and
• Relies upon You for support and maintenance; his/her coverage will not be terminated because of age.

The Fund will require due proof of the child’s incapacity within 31 days after he/she reaches the termination age for children.

The coverage for the child may be continued for as long as:

• The total and permanent disability, incapacity and reliance continues; and
• The coverage remains in force for You.

However, in any event, the coverage of the Dependent spouse or the Dependent child shall terminate on the date the Plan is terminated.