SICKNESS BENEFITS RIDER
Oregon residents:
1) MUST PROVIDE DOMESTIC PARTNER COVERAGE FOR OREGON RESIDENTS
2) Under the Schedule of Benefits section, Tier 1 benefits are not available. Tier 2 benefits will always be paid.
3) Under the Portability Provisions section, the following are removed from the Termination of Ported Insurance provisions:
• 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.
4) The following Rider form(s) is/are not available:
WELLNESS TREATMENT, HEALTH SCREENING TEST AND PREVENTIVE CARE BENEFIT RIDER SICKNESS BENEFITS RIDER ACCIDENT DISABILITY INCOME RIDER
South Carolina 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 Common Exclusions section, the following changes are made:
a) The following exclusions do not apply:
• voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;
• operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other 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.
b) The following exclusion is added:
• Any loss resulting from being Intoxicated or under the influence of a narcotic unless taken on the advice of a Physician. ''Intoxicated'', for purposes of this exclusion, means intoxicated as defined by the law of the state in which the Covered Loss occurred.
3) Under the Claim Provisions section , the following changes are made:
a) The Claimant Cooperation Provision does not apply.
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