When an active employee dies, the surviving spouse/partner and/or dependent children who were enrolled in active employee coverage at the time of the employee's death will be eligible to continue health care coverage through COBRA for six months at no cost.

After a death is reported to the Citi Benefits Center, the surviving spouse/partner and/or dependent children will automatically be enrolled in six months of free medical and/or dental coverage. Before the end of the six-month period, your surviving spouse/partner and/or dependent children will receive a COBRA notification package. They must elect, if they want to continue, the COBRA continuation coverage by signing and returning the election form to the Citi Benefits Center within the election period. See "COBRA."

At the end of the free six-month period, as explained above, covered individuals can either continue COBRA coverage or elect retiree health plan coverage, as currently available. Retiree health plan coverage is provided on the same terms as coverage provided to a retired employee.

If the surviving spouse/partner was not enrolled in active employee coverage at the time of the employee's death, he or she is eligible for retiree health plan coverage, as currently available, but not COBRA coverage.