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© 2019 Hitesman & Wold, P.A. MEDSURETY, LLC Cafeteria Plan 1-888-816-4234, www.medsurety.com Basic Plan Document 41 applicable law (including regulatory guidance), a Participant entitled to an Account carryover in accordance herewith shall receive the carryover to a Limited Scope Health Flexible Spending Account if: (i) the Participant enrolls in the Limited Scope Health Flexible Spending Account for the following Plan Year, or (ii) the Participant directs the Plan Administrator, by no later than the last day of the Plan Year from which the carryover is to be made and in accordance with procedures adopted by the Plan Administrator, to make the carryover to the Limited Scope Health Flexible Spending Account. (4) In general, a carryover made in accordance herewith shall occur automatically. However, unless otherwise provided under applicable law (including regulatory guidance), a Participant entitled to an Account carryover in accordance herewith may elect, by no later than the last day of the Plan Year from which the carryover is to be made and in accordance with procedures adopted by the Plan Administrator, to waive the carryover. (5) Unless provided otherwise in the Adoption Agreement, a carryover of an Account balance shall be available even if the Participant has not made an Election under the Health Flexible Spending Account or the Limited Scope Health Flexible Spending Account (as applicable) for the Plan Year to which the carryover will be made. (6) Unless provided otherwise in the Adoption Agreement, carried over amounts are available indefinitely. If the Adoption Agreement specifies a time period after which carried over amounts are forfeited, then for purposes of applying that restriction, amounts carried over to a subsequent Plan Year shall be used to pay benefits under the Health Flexible Spending Account prior to any funds contributed during that Plan Year. (7) A carryover shall not count against the maximum reimbursement a Participant may receive as specified in Section 11.8. (c) Claims Run-Out Period. Except as otherwise provided in this Section 11.12, (1) amounts attributed to a Participant’s Account for any Plan Year shall be used only to reimburse the Participant for eligible Medical Expenses incurred during such Plan Year, and (2) any balance remaining in a Participant’s Account for a Plan Year shall be forfeited following upon the expiration of the Claims Run-out Period and shall be forfeited in accordance with Section 5.7. The Plan Administrator may extend this period in the event the Participant cannot obtain proper documentation until after the expiration of the period. Such forfeited amount shall not be distributed in cash, carried over to the next Plan Year or used by the Participant for any other purpose. 11.13 Medical Child Support Orders. Notwithstanding any provision of this Plan to the contrary, this Health Flexible Spending Account shall recognize child support orders regarding coverage hereunder to the extent required by applicable law. 11.14 Continuation of Coverage. Continued coverage shall be provided under the Health Flexible Spending Account as required under the Consolidated Omnibus Budget Reconciliation Act of 1985 (“COBRA”), as amended. The Plan Administrator may, within the pa rameters of the law, establish policies and procedures regarding the COBRA continuation coverage provided under the Health Flexible Spending Account, which shall be incorporated herein by reference. 11.15 HIPAA. The Health Flexible Spending Account shall comply with the Privacy Rules and Security Rules under HIPAA (if applicable) as further provided in Article XXII.