Instructions: To elect COBRA continuation coverage, complete this Election Form and return it to us. Under federal law, you have 60 days after the later of the date of this notice or the date on which you lose (or would lose) coverage under the Plan (the "Due Date") to decide whether you want to elect COBRA continuation coverage under the Plan. However, if you fail to elect COBRA continuation coverage by the Due Date, you may be ineligible for COBRA continuation coverage.

Send completed Election Form to: Voluntary Hospitals House Staff Benefits Plan
10-27 46^th Ave, Suite 300-2
Long Island City, NY 11101
(Email) benefits@cirseiu.org

If you don't submit a completed Election Form by the Due Date, you may lose your right to elect COBRA continuation coverage. If you reject COBRA continuation coverage before the Due Date, you may change your mind as long as you submit a completed Election Form before the Due Date. However, if you change your mind after first rejecting COBRA continuation coverage, your COBRA continuation coverage will begin on the date you submit the completed Election Form rather than the date you first became eligible for COBRA continuation coverage.

Read the important information about your rights included in the pages after the Election Form.

COBRA Continuation Coverage Election Form
I (We) elect COBRA continuation coverage in the Voluntary Hospitals House Staff Benefits Plan (the Plan) listed below:

COBRA PACKAGE	INDIVIDUAL	FAMILY
Insurance Benefits: Anthem Medical, Express Scripts RX, Davis Vision, Guardian Dental                              Supplemental Benefits: Supplemental Mental Health Reimbursement	$997.58	$2,511.56

Please check the applicable box(es) below to indicate the relationship between the employee and the individual(s) listed above:

First payment for COBRA continuation coverage

If you elect COBRA continuation coverage, you do not have to send any payment with the Election Form. However, if you do not submit payment in full for the first month of coverage at the time of election of coverage, your coverage will not be continued until payment is received. If no payment is received, your coverage will terminate as scheduled due to the Qualifying Event. You will have 45 days from the date that you timely elect coverage (the date the Election Form is submitted or if mailed, postmarked) to submit the payment in full for the first month of coverage. When payment in full is received or postmarked within 45 days from the date of election, coverage will be reinstated retroactively to the date that your coverage was terminated or is scheduled to terminate. If you don't make your first payment in full within 45 days after the date of your election, you'll lose all COBRA continuation rights under the Plan. You're responsible for making sure that the amount of your first payment is correct. You may contact the Benefits Plan Office at benefits@cirseiu.org or (212) 356-8180 to confirm the correct amount of your first payment.

Periodic payments for continuation coverage

After you make your first payment for COBRA continuation coverage, you'll have to make periodic payments for each coverage period that follows. The amount due for each coverage period for each qualified beneficiary is shown in this notice. The periodic payments can be made on a monthly basis. Under the Plan, each of these periodic payments for COBRA continuation coverage is due on or before the first of the month for that coverage period. If you make a periodic payment on or before the first day of the coverage period to which it applies, your coverage under the Plan will continue for that coverage period without any break. The Plan will not send periodic notices of payments due for these coverage periods.

Grace periods for periodic payments

Although periodic payments are due on or before the first of the month for that coverage period, you'll be given a grace period of 30 days after the first day of the coverage period to make each periodic payment. You'll get COBRA continuation coverage for each coverage period as long as payment for that coverage period is made before the end of the 30-day grace period: if you pay a periodic payment later than the first day of the coverage period to which it applies, but before the end of the grace period for that coverage period, your coverage will be suspended as of the first day of the coverage period and then retroactively reinstated (going back to the first day of the coverage period) when the full periodic payment is received. This means that any claim you submit for

benefits while your coverage is suspended may be denied and may have to be resubmitted once your coverage is reinstated. Payment by mail is considered made when postmarked.

If you don't make a periodic payment before the end of the grace period for that coverage period, you'll lose all rights to COBRA continuation coverage under the Plan.

Your first payment and all periodic payments for COBRA continuation coverage should be sent to:

Voluntary Hospitals House Staff Benefits Plan
10-27 46^th Ave, Suite 300-2
Long Island City, NY 11101

All payments must be made by credit or debit card (American Express and Discover are not accepted). Please see the Credit Card Authorization Form enclosed.

Complete your payment selection: credit or debit card. American Express and Discover credit cards are not accepted.

By submitting this form, I certify all the information I have provided is accurate and complete. I understand that failure to provide complete and accurate information may result in the delay or denial of benefits. I understand the Plan reserves the right to request original receipts or any additional information.