Leave of absence without pay shall result in the discontinuance of benefits (accrual of sick leave, vacation, payment of insurance premiums, etc.) for the period of the leave except as provided by law for Federal FMLA, Washington State Paid Family Medical Leave, military leave, and domestic violence leave, and the employee's anniversary date will be adjusted accordingly. Such loss or discontinuance of benefits and/or adjustment of anniversary date will occur only if an employee is in a non-pay status for more than 30 percent of any pay cycle, or in the case of payment of insurance premiums, 30 percent of any month or as otherwise provided by the plan administrator or a collective bargaining agreement. Employees may have the option of paying for medical benefit premiums while in an unpaid leave status, to insure continued coverage and avoid any new waiting periods required under contracts with the health carriers.