management of a difficult pregnancy unless such condition constitutes a nosoligically distinct complication.
b) The second paragraph of the Dependent Child definition is replaced with the following:
A child, for purposes of this provision, includes an Employee’s: 1. natural child; 2. adopted child beginning from the moment of placement in the home. It also means the legally adopted child of the Employee’s Spouse or Domestic Partner/Partner to a Civil Union; 3. stepchild; 4. child for whom the Employee is the court-appointed legal guardian; 5. a child of the Employee’s Domestic Partner/Partner to a Civil Union provided the child is financially dependent upon the Employee.
c) The following is added to the definition of Hospital:
Hospital shall include a State tax-supported institution that is licensed pursuant to applicable law.
3) Under the Common Exclusions section, the war exclusion is replaced with the following:
• declared or undeclared war or act of war, however, this Exclusion does not apply to acts of terrorism;
4) Under the Claim Provisions section, the first two sentence of the Proof of Loss provision is replaced with the following:
Written or authorized electronic proof of loss satisfactory to Us must be given to Us at Our office, within 180 days of the loss for which claim is made. If (a) benefits are payable as periodic payments and (b) each payment is contingent upon continuing loss, then proof of loss must be submitted within 180 days after the termination of each period for which We are liable.
5) Under the Administrative Provisions section, the first paragraph of the Changes in Premium Rates provision is replaced with the following:
The premium rates may be changed by the Insurance Company from time to time with at least 45 days advance written notice. No change in rates will be made until 12 months after the Effective Date. An increase in rates will not be made more often than once in a 6 month period. However, the Insurance Company reserves the right to change the rates even during a period for which the rate is guaranteed, if any of the following events take place with 45 days advance written notice:
6) 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.
7) Under the Administrative Provision s section, the following is added to the Reinstatement of Insurance provision:
If a Covered Person’s coverage terminates due to the Covered Person’s failure to pay premiums under this Policy, the Covered Person may reinstate coverage if the Covered Person applies for reinstatement within 60 days after the date of coverage termination, provided each of the following conditions are met: 1. the Covered Person submits a written request for reinstatement and an application for coverage; 2. the Covered Person pays any past due premiums, and is issued a conditional receipt for the premium tendered; 3. the Covered Person is eligible for coverage under this Policy.
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