Section 11. Participation Fees-Termination For Non-payment-Deductibles

1. Applicable participation fees must be timey paid for a Participant to be entitled to benefits under the Plan. Participation fees shall be as set forth in the attached Participation Fees Schedule, as supplemented, modified or amended from time to time by the Executive Committee.
2. Participation fees shall be payable on an annual basis and such addditional bases as the Executive Committee shall prescribe from time to time. The initial participation fee payment shall be submitted with the application. Thereafter participation fees shall be paid on or before any scheduled due date be in the amounts billed by the Enrollment Administrator. Bills shall be mailed at least thirty (30) and not more than sixty (60) days prior to the applicable due date.
3. If any payment is not timely made as required in subsection B of this section, the payment shall be delinquent and participation in the Plan shall cease effective as of 12:00 a.m. on the day after the applicable due date. If all delinquent amounts are received by the Enrollment Administrator within thirty (30) days following the applicable due date, participation shall be reinstated automatically, retroactive to the day after the due date. If any payment is delinquent thirty-one (31) days or more, participation shall be deemed to have terminated effective as of 12:01 a.m. on the day after the applicable due date and reapplication shall be required. Reinstatement shall not be effective prior to one hundred eighty (180) days after the date of termination for non-payment, subject to the Enrollment Administrator's discretion and the Executive Committee's review.
4. Groups may request and the Executive Committee may provide for deductibles with respect to any coverage. A participation fee reduction may be adopted in each such instance in an amount determined by the Executive Committee. Any such deductibles shall be in addition to any deductible applicable ti the ude of a Non-Plan Attorney.

1. Except as provided otherwise in subsection B of this section, a Participant's participation in, and entitlement to benefits under, the Plan shall automatically terminate upon:
1. Non-payment of participation fees when due;
2. Voluntary withdrawal from participation;
3. Termination of the Participant's law enforcement employment, either voluntary, involuntary or by retirement pursuant to the retirement rules of the Participant's employmer; or
4. Termination of the Participant's membership in the FOP while the Participant remains employed as a law enforcement officer.
2. Termination shall not affect any right to benefits which has accrued prior to the date of termination or during any applicable Extended Reporting Period.

Section 13. Coverages

1. Subject to the exclusions in Section 15, any applicable limits on liability specified in this Plan Description, and to any coverge limitations or deductibles stated in the certificate of particpation, the Plan shall reimburse and pay on behalf of a Participant reasonable and necessary Legal Defense Costs which the Participant is legally obligared to pay under the following coverage's:
1. Coverage A: Legal Defense or, subject to the absolute discretion of the Benefit Administrator and the Executive Committee, other appropriate legal challenge to administrative discipline, sanction or proceeding:
1. Involving salary, dismissal, change of assignment, demotion, promotion, leave of absence, resignation or other professional rights, duties or responsibilities where such discipline, sanction or proceeding arises directly out of the Participant's activities in the scope of employment; or
2. Involving the issuance, suspension, cancellation or revocation of any credential. certification. or license issued by federal, state or local authorities, which credential the Participant is required to have in the scope of employment.
2. Coverage B: Legal defense of a civil action or proceeding brought against a Participant. arising directly out of the Participant's activities in the scope of employment, provided, coverage does not extend to counterclaims or crossclaims in actions brought by a Participant, unless the Executive Committee approves otherwise; and
3. Coverage C: legal defense of a criminal action or proceeding brought against a Participant, arising directly out of the Participant's activities in the scope of employment, including grand jury proceedings.