2026 CODAC Benefit Summaries and Carrier Flyers

SECTION 10: RECOVERY OF BENEFITS If any benefit payments are made in excess of the amount any Covered Person receives under the Rx Plan, the Rx Plan, the Plan Administrator and the PBM, and each of them, have a right to recover such payments. Such instances of overpayment may include erroneous payments; any payments made for any periods or events for which the Covered Person fails to satisfy the Rx Plan or PBM rules or requirements; or any payments that are not reduced by amounts as specified in the Rx Plan or under PBM rules or requirements. When any circumstance arises where payments are made under the Rx Plan in excess of the amount that the Covered Person is entitled to receive, the Rx Plan, the Plan Administrator and the PBM, and each of them, have the right to recover all excess payments of any amounts, from any source, regardless of whether it is related to the Employee, Spouse or Dependent. All excess payments will be recovered directly from the recipient, or if necessary, from future benefit payments, or from the estate or other assets of the Covered Person who received the overpayment, to the extent permitted by law. In this regard, the Covered Person who received an overpaid benefit agrees to cooperate fully with the collection and return of any excess benefit payments, and the location where any excess payments were deposited or held is deemed a trust or constructive trust for purposes of the recovery of overpaid amounts. This includes any bank account, trust account, investment account or otherwise and the Rx Plan has an interest in such amounts for purposes of such recovery. SECTION 11: COBRA 11.1 Introduction, Default Language and Use Section 11 provides for continuing, extended health coverage, to the extent that the Consolidated Omnibus Budget Reconciliation Act of 1985 ("COBRA") applies with respect to this Rx Plan sponsored by the Employer. In general, COBRA coverage only applies to extend health coverage for employer sponsored group health plans, which may include this Rx Plan, when such Employer generally employs more than 20 Employees during the relevant testing period. If the Employer is a smaller company, it may not be subject to COBRA, and this Section 11 only applies if the Employer is legally required to provide COBRA coverage. COBRA coverage applies if a "Qualified Beneficiary" (as defined below) loses their coverage under this Rx Plan as a group health plan or part of a group health plan and coverage is lost as a result of a "Qualifying Event" (as defined below). In such case the Qualified Beneficiary has the opportunity to continue health coverage for up to 18, 29, or 36 months (the time limit depends on the reason coverage ended as described below). The benefit programs under the Plan that are "group health plans" for purposes of COBRA coverage are any group health or medical plans providing inpatient and outpatient hospital care, physician care, surgery and other major medical benefits, prescription drug coverage, dental and vision care, and would include health savings or health reimbursement accounts that provide for the reimbursement of such items. 11.2 Qualified Beneficiaries You and any of your Eligible Dependents who are covered by the Rx Plan on the day before coverage would otherwise end are known as "Qualified Beneficiaries." A "Qualified Beneficiary" also includes (1) any child who is born to or placed for adoption with you during your COBRA coverage period and (2) any individual who is not covered by the Rx Plan on the day before coverage would otherwise end if such individual's lack of coverage is solely the result of a violation of applicable law. 11.3 Qualifying Events If your Eligible Dependent is a Qualified Beneficiary and loses coverage as a result of any of the following events, those events are considered "Qualifying Events" entitling that Qualified Beneficiary to COBRA coverage: Termination of your employment (other than by reason of gross misconduct, as determined by the Employer), including retirement; Reduction in your scheduled work hours;

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CIDN:199534