Louisiana residents:
1) Under the General Definitions section, definition of Dependent Child is replaced with the following:
An Employee’s natural child, stepchild, foster child, legally adopted child, child of adopting parents pending finalization of adoption procedures, and child for whom coverage has been court-ordered, as follows: 1. child from live birth under 26 years of age; 2. grandchild under 26 years of age who is in the Employee's legal custody and residing in the Employee's home; 3. the otherwise applicable limiting age shown above shall not apply to the Employee's child or grandchild who is incapable of self-support due to a mental or physical incapacity. Any child who is placed in the Employee's home pursuant to an adoption placement agreement executed with a licensed adoption agency shall be considered a Dependent Child of the Employee from the date of placement in the Employee's home. Any unmarried child who is placed in the Employee's home following execution of an act of voluntary surrender in favor of the Employee or the Employee's legal representative shall be considered a Dependent Child of the Employee effective on the date on which the act of voluntary surrender becomes irrevocable.
A child, for purposes of this provision, includes 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 Continuation of Insurance Provisions section, the Continuation for Military Service provision is replaced with the following:
If an Employee’s Active Service ends due to entry into the armed forces, insurance will continue, if the required premium is paid, until the day the Employee fails to return to work as outlined in the Uniform Services Employment and Reemployment Rights Act of 1994. All of the following will apply when insurance is continued under this provision: 1. any change in benefits that occurs during the period of continuation will apply on the effective date of the change; 2. any Active Service requirement will be waived; 3. the Employee will be given credit for the time He was covered under this Policy prior to the leave. If an Employee does not continue insurance during such leave and returns to work: 1. the Employee and His enrolled Spouse and Dependent Children will be covered on the date the Employee returns to work from the leave. The Employee must return to work as outlined in the Uniform Services Employment and Reemployment Rights Act of 1994; 2. any portion of an eligibility waiting period that has not been completed will not be credited during the Employee’s leave. A Spouse or Dependent Child of an Employee, who is covered under the Policy and subsequently called to service in the armed forces, will continue to be considered a Spouse or Dependent Child under the provisions of the Policy, without any lapse of coverage, provided that all required contributions are paid in accordance with Policy provisions.
3) 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.
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