Group Accident Insurance Certificate

intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. ''Under the influence of alcohol'', for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Accident occurred;

Mississippi residents:

1) Under the General Definitions section, item 2 of the second paragraph of the Dependent Child definition includes adopted child as follows:

2. adopted child, beginning with any waiting period pending finalization of the child’s adoption. It also means the legally adopted child of the Employee’s Spouse or 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 Under the Administrative Provisions section, The Changes in Premium Rates provision was changed from 31 days to 75 days for advance written notice.

New Hampshire residents:

1) A minimum benefit of $50 for Hospitalization Benefits up to 31 days will be available.

2) A minimum benefit of $1,000 for Loss of Finger or Loss of Toe will be available under the Accidental Death and Dismemberment Rider even if a Benefit Reduction applies.

3) Under the Description of Coverages and Benefits section, the Benefit Limitations for the Hospital Stay and Intensive Care Unit Stay Benefits are revised to allow for 180 days for the readmission for the same or related Covered Accident.

4) Under the Enhancement Benefit Rider, the following changes are made: a) No benefit available for Skin Graft

b) Blood, Plasma, Platelets includes Non-Blood Substitutes

5) Under the General Definitions section, the following changes are made:

a) In the “Covered Accident” definition “external” is removed.

b) The Dependent Child definition is replaced with the following:

An Employee’s child who meets the following requirements:

1. A child by blood or by law who is under age 26; 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;

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