X rmin  tnon of Insurance

     Tormination of a staff member's insurance occurs if his active service

is torminated, if he ceases his premium contributions, if he ceases to be

in a class of employees eligible for covarage, or if the group policy is

terminated.  Insurance terminated six months before the em.ployee's 65th

birthday, since benefits are not payable for the first six months of total

disability nor beyond age 65. Termination of an ermloyee.s insurance does

rnot afffect his benefits for a total disability existing on the date of such

termination.



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