Injury or Sickness If Your Active Service ends due to an injury or sickness, Your insurance will be continued while You remain totally and continuously disabled as a result of the injury or sickness. However, Your insurance will not continue past the date Your Employer cancels Your insurance. Termination of Insurance - Dependents Your insurance for all of Your Dependents will cease on the earliest date below: • the date Your insurance ceases; or • the date You cease to be eligible for Dependent insurance; or • the last day of the calendar month for which You have made any required contribution for the insurance; or • the date Dependent insurance is canceled; or • the date that Dependent no longer qualifies as a Dependent; or • Your death. The insurance for any one of your Dependents will cease on the last day of the calendar month of which the date that Dependent no longer qualifies as a Dependent.
such payment will be made to that person’s legal guardian. If no request for payment has been made by that person’s legal guardian, We will make payment to the person or institution appearing to have assumed that person’s custody and support. In the event of the death of a Covered Person, We may receive notice that an executor of the estate has been established. The executor has the same rights as the Covered Person and benefit payments for unassigned claims should be made payable to the executor. Payment as described above will release Us from all liability to the extent of any payment made. Recovery of Overpayment When We have made an overpayment, We will have the right at any time to: recover that overpayment from the person to whom or on whose behalf it was made; or offset the amount of that overpayment from a future claim payment. In addition, Your acceptance of benefits under this Policy and/or assignment of benefits separately creates an equitable lien by agreement pursuant to which We may seek recovery of any overpayment. You agree that in seeking recovery of any overpayment as a contractual right or as an equitable lien by agreement, We may pursue the general assets of the person or entity to whom or on whose behalf the overpayment was made.
HCDFB-TRM86 M
06-21
HCDFB-POB65
06-21
Dental Benefits Extension An expense incurred in connection with a Covered Dental Service that is completed after Your benefits cease will be deemed to be incurred while You are insured if: • for fixed bridgework and full or partial dentures, the first impressions are taken and/or abutment teeth fully prepared while You are insured and the device installed or delivered to You within 3 calendar month(s) after Your insurance ceases. • for a crown, inlay or onlay, the tooth is prepared while You are insured and the crown, inlay or onlay installed within 3 calendar month(s) after Your insurance ceases. • for root canal therapy, the pulp chamber of the tooth is opened while You are insured and the treatment is completed within 3 calendar month(s) after Your insurance ceases. There is no extension for any Covered Dental Service not shown above.
Termination of Insurance Termination of Your Insurance Your insurance will cease on the earliest date below: • last day of the calendar month in which you cease to be in an Eligible Class or cease to qualify for the insurance. • the last day of the calendar month in which You have made any required contribution for the insurance. • the date the Policy is canceled or lapses due to a nonpayment of premium. • the last day of the calendar month in which Your Active Service ends, except as described below. • Your death. Any continuation of insurance must be based on a plan which precludes individual selection. Temporary Layoff or Leave of Absence If Your Active Service ends due to temporary layoff or leave of absence, Your insurance will be continued until the date as determined by Your Employer.
HCDFB-BEX12
06-21
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