If you leave the Company, you will have the option of continuing your coverage at your current premium rate. Upon termination, call MetLife to arrange for continuation of premium payments directly to MetLife.

If you die before age 65 and have benefits remaining, MetLife will return all of the premiums paid into the Plan, less any benefits you have received, to your estate.

If death occurs between ages 65 and 75, the amount your estate will receive will decline 10% each year, less any benefits received.

There will be no refund if you join the Plan after age 65 or if you die after age 75 because of the increased costs in providing coverage at and after age 65.

Note: The return of premium on death feature is not available to residents of Washington State. Residents of this state will have an enhanced respite care services benefit of 42 days per calendar year.