TABLE OF CONTENTS
SECTION
PAGE NUMBER
SCHEDULE OF BENEFITS...........................................................................................................................1
SCHEDULE OF BENEFITS FOR CLASS 1...................................................................................................2
DESCRIPTION OF COVERAGES AND BENEFITS.....................................................................................8
ELIGIBILITY ..............................................................................................................................................17
ENROLLMENT ...........................................................................................................................................17
EFFECTIVE DATE PROVISIONS ..............................................................................................................17
DEFERRED EFFECTIVE DATE PROVISIONS ..........................................................................................18
TAKEOVER PROVISION ...........................................................................................................................19
TERMINATION OF INSURANCE ..............................................................................................................20
CONTINUATION OF INSURANCE PROVISIONS ....................................................................................20
PORTABILITY PROVISIONS ..................................................................................................................... 20
COMMON EXCLUSIONS ........................................................................................................................... 22
CLAIM PROVISIONS .................................................................................................................................23
ADMINISTRATIVE PROVISIONS .............................................................................................................25
GENERAL PROVISIONS ............................................................................................................................ 26
ENHANCED BENEFITS RIDER .................................................................................................................28
WELLNESS TREATMENT, HEALTH SCREENING TEST AND PREVENTIVE CARE BENEFIT RIDER35
MODIFYING PROVISIONS AMENDMENT ..............................................................................................37
GAI-00-CE1000.WY
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