birth, or otherwise on the date of Placement for the purpose of adoption. As used in this paragraph, “Placement” means physical placement in the Employee’s care. If physical placement is prevented due to the medical needs of the child, Placement means the date the Employee signs an agreement for adoption of such child and assumes financial responsibility for such child; 3. stepchild who resides with the Employee and is financially dependent upon the Employee; 4. child for whom the Employee is the court-appointed legal guardian, as long as the child resides with the Employee and primarily 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.
e) The definition of Totally Disabled or Total Disability has been modified so that the second bullet reads as follows:
2. inability of the Covered Person who is not currently employed to perform the normal activities of like age and sex and who is under the regular care of a Physician who certifies that such person is Totally Disabled.
f) The definition and all reference to Waiting Period or Benefit Waiting Period have been removed.
4) Under the Effective Date Provisions section, the following changes are made:
a) The following state does not apply to the Effective Date for Individuals provision under the Dependent Child paragraph:
• the first of the month following the date We or the Employer receive the completed enrollment form for Dependent Child coverage.
b) The following is added to the Effective Date for Individuals provision under the Dependent Child paragraph:
In this Effective Date for Individuals provision, references to an Employee apply for coverage for a Spouse or Domestic Partner or Dependent child do not apply before the end of a 60-day period that begins on the date of marriage, birth or placement for adoption, as applicable.
c) The following is added when child coverage is offered:
Newborn and Newly Adopted Children Any newly born child of the Employee will be covered from the moment of birth for 60 days. Coverage may be continued beyond this time period if the Employee notifies Us within 60 days of the child ’s birth and pays any required premium. Notice of birth, placement or adoption must be given within 60 days from the date of birth for a newborn child, or newly adopted children, within 60 days from the earlier of the date of adoption or placement for adoption. The due date for payment of any premium, if required, will be 31 days of the Employee ’ s receipt of the billing for the required premium.
5) Under the Description of Coverages and Benefits section, under the Dislocation Benefit, the definition of Dislocation is replaced with the following:
Dislocation means a completely separated joint as diagnosed by a Physician that can be corrected by open or closed reduction; or a Partial Dislocation which is an incomplete separated joint as diagnosed by a Physician.
6) Under the Termination of Insurance section, the last termination statement is replaced with the following:
9. for a Dependent Child, the date the Dependent Child reaches age 26, subject to any continuation requirements due to a Dependent Child being incapable of self-sustaining employment by reason of intellectual disability or physical disability.
7) 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
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