b) The Incontestability provision is replaced with the following:
This Policy or Participation Under This Policy All statements made by the Policyholder to obtain this Policy or to participate under this Policy are considered representations and not warranties. No statement will be used to deny or reduce benefits or be used as a defense to a claim, or to deny the validity of this Policy or of participation under this Policy unless a signed copy of the instrument containing the statement is, or has been, furnished to the Policyholder.
After two years from the Policy Effective Date, no such statement will cause this Policy to be contested except for non-payment of premium.
A Covered Person's Insurance All statements made by a Covered Person are considered representations and not warranties. No statement will be used to deny or reduce benefits or be used as a defense to a claim, unless a signed copy of the instrument containing the statement is, or has been, furnished to the claimant. After two years from the Covered Person’s effective date of insurance, or from the effective date of increased benefits, no such statement will cause insurance or the increased benefits to be contested except for non-payment of premium.
In the event of death or incapacity, the beneficiary or representative shall be given a copy.
c) Under the Policy Termination provision, reference to ‘‘31 days’’ is replaced with ‘‘45 days’’.
d) The following Important Notice provision is added to the very back page:
Important Notice The Policyholder may contact the Insurance Company, using the address or toll-free telephone number given below, with questions or problems with respect to this Policy:
Cigna Health and Life Insurance Company 900 Cottage Grove Road Bloomfield, Connecticut 06002 Telephone: 1.800.547.5575
12) The Domestic Partner/Civil Union Partner Coverage Amendment is modified to include Domestic Partners who are 16 years of age.
North Carolina residents:
1) Under Schedule of Benefits section, the following is added to the Eligibility Waiting Period:
With respect to Employee’s hired on or after the 90th day before the Policy Effective Date, the length of the eligibility Waiting Period will not exceed 90 days.
2) Under the General Definitions Section, the following changes are made:
a) The following definition of Complications of Pregnancy was added:
Are defined as (1) conditions when the pregnancy is not terminated, whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy, included but not limited to acute nephritis, nephrosis, cardiac decomposition, missed abortion and similar medical and surgical conditions of comparable severity, and (2) non- elective Cesarean section, termination of ectopic pregnancy and spontaneous termination of pregnancy occurring during a period of gestation in which a viable birth is not possible. Complications of pregnancy do not include false labor, occasional spotting, Physician-prescribed rest during the period of pregnancy, morning sickness, and hyperemesis gravidarum. Nor does it include pre-eclampsia and similar conditions associated with the
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