24 COBRA Continuation Coverage and Disability If you are a covered Employee and you lose coverage due to termination of employment as the result of your disability, you may elect to enroll in COBRA Continuation coverage. As in the case of all COBRA Continuation Coverage, you must self-pay for the premiums during the coverage period. Your coverage will continue until the earliest of: • The date you cease to be disabled or return to active work; • The date you attain age 65; or • The expiration of the applicable COBRA Continuation Coverage period. Application of COBRA Continuation Coverage to Retirees Some contributing Employers of the National IAM Benefit Trust Fund provide Retiree coverage for qualified Retirees and their dependents. Refer to the applicable collective bargaining agreement or other participation agreement for information on whether such coverage may be available, and for specific rules about how long such coverage is provided. Other contributing employers have no specific Retiree coverage. If there is a loss of coverage in either case, the Plan offers continuation coverage on a self-pay basis. If you are a covered Employee and you lose coverage due to your termination of employment at retirement, or if you are a covered Retiree and you lose Retiree coverage for any reason, you may elect continuation coverage by making timely self-payments until the earliest of: • The date you return to active work; • The date you attain age 65 or become eligible for Medicare coverage; or • The occurrence of another qualifying event within the otherwise applicable COBRA Continuation of Coverage period If you are a retired Employee and should lose Retiree coverage due to the bankruptcy of your last contributing Employer, you have the right to choose continuation of health coverage for an indefinite period of time, but not beyond the occurrence of other applicable termination events described in the COBRA Continuation Coverage section.