1.4 SPECIAL LATE ENROLLMENT RULES FOR MEDICAL, DENTAL, VISION, AND PRESCRIPTION DRUG BENEFITS If an Eligible Employee or his or her Dependent is not enrolled in the Plan on the date he/she first became eligible because the Eligible Employee or Dependent had other health coverage under another health insurance policy or program (including any COBRA Continuation Coverage, individual insurance or a public program such as Medicaid), and the Eligible Employee or Dependent ceases to be covered by that other coverage, the Eligible Employee or Dependent may enroll in this Plan within 31 days after termination of the other coverage if the other coverage terminated due to any of the following reasons: the loss of eligibility for the other coverage as a result of termination of employment or reduction in the number of hours of employment, or death, divorce or legal separation; the termination of employer contributions toward the other coverage; or if the other coverage was COBRA coverage, the exhaustion of that coverage. COBRA coverage is “exhausted” if it ceases for any reason other than failure of the individual to pay premiums on a timely basis. For months in which Employees otherwise eligible to enroll as Active Participants choose not to enroll in the Plan, they accrue hours in their hour bank as if they had timely enrolled in the Plan.