We may terminate coverage on or after the first anniversary of the Policy Effective Date. We or the Subscriber may terminate insurance on any Premium Due Date. Written or authorized electronic notice must be given at least 45 days prior to such Premium Due Date. Failure by Subscriber to pay premiums when due or within the Grace Period shall be deemed notice to Us to terminate insurance at the end of the period for which premium was paid.
Termination will not affect a claim for a Covered Loss that is the result, directly and independently of all other causes, of a loss that occurs while insurance was in effect.
7) The following Rider form(s) is/are not available:
SICKNESS BENEFIT RIDER
Arkansas residents:
1) Under the General Definitions section , the following changes are made:
a) The definition of Covered Accident does not include reference to an “external” event.
b) The definition of Dependent Child is replaced with the following:
An Employee’s child who meets the following requirements: 1. A child from live birth to 26 years old; 2. A child who is 26 or more years old, primarily supported by the Employee and incapable of self-sustaining employment by reason of mental or physical handicap. A child, for purposes of this provision, includes an Employee’s: 1. natural child; 2. adopted child, or a child under the charge, care or control of the Employee for whom the Employee has filed a petition to adopt; 3. child for whom the Employee is the court-appointed legal guardian, as long as the child resides with the Employee and depends on the Employee for financial support. Financial support means that the Employee is eligible to claim the dependent for purposes of Federal and State income tax returns. 4. a child of the Employee's Domestic Partner/Partner to a Civil Union, provided the child is living with, and is financially dependent upon the Employee.
2) Under the Portability Provisions section, the following are removed from the Termination of Ported Insurance provision:
• for a Dependent Child, the date the Dependent Child reaches age 26 unless primarily supported by the Employee and incapable of self-sustaining employment by reason of mental or physical handicap or ceases to quality as a Dependent Child; • the date the Spouse or Dependent no longer meets the definition of Spouse or Dependent Child; • the date the Covered Person is considered to reside outside the United States. The Covered Person will be considered to reside outside the United States when the Covered Person has been outside the United States for a total period of 4 months during any 4 consecutive months.
3) Under the Tiered Schedule of Benefits Amendment all Employee benefits are paid at 100%. Connecticut residents:
1) Under the Portability Provisions section, the following are removed from the Termination of Ported Insurance provision:
• for a Dependent Child, the date the Dependent Child reaches age 26 unless primarily supported by the Employee and incapable of self-sustaining employment by reason of mental or physical handicap or ceases to quality as a Dependent Child;
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