10) The following Rider form(s) is/are not available:
SICKNESS BENEFITS RIDER
Vermont residents:
1) To the extent the Policy provides insurance coverage to a spouse, the identical consideration must be applied to same sex marriages and civil unions. The language is as follows:
a) Civil Union Partner means: i. A person with whom the Employee has a registered civil union under Vermont law which imposes obligations on the parties substantially similar to marriage. Such person will continue to be recognized as a Civil Union Partner unless and until: (1) the civil union is dissolved under applicable law; or (2) either the Employee or the Civil Union Partner marries another person. b) Spouse means: i. ''Lawful spouse'' and includes a lawful spouse of the same sex. ii. This also includes a partner to a civil union recognized under Vermont Law.
2) A minimum benefit of $50 for Emergency Care Treatment and Ambulance will be available.
3) A minimum benefit of $25 for Physician Office Visit and Diagnostic Exam will be available.
4) A minimum benefit of $50 for Hospitalization Benefits up to 30 days will be available.
5) Throughout the contract wherever “and independent of all other causes” appears it does not apply.
Portability is replaced with the Continuation of Loss of Eligibility and the Portability Provision does not apply. The following Continuation of Loss of Eligibility benefit periods have been added to the Schedule of Benefits section. Loss of Eligibility Maximum Benefit Period Employee to age 100 Spouse to age 100 Dependent Children to age 26
6) Under the Schedule of Benefits section, the following changes are made:
a) The Fracture benefit is revised to require diagnosis and treatment by a physician within 365 days of a Covered Accident.
b) The Dislocation benefit is revised to require diagnosis and treatment by a physician within 365 days of a Covered Accident.
7) Under the Description of Coverages and Benefits section, the following changes are made:
a) Except for the Ambulance Benefit, Benefit Conditions time periods is revised to within 365 days of the covered accident throughout.
b) Under the Medical Supply Benefit and Appliance Benefit, the following definition has been added:
Durable Medical Equipment means items which are designed for and able to withstand repeated use by more than one person; customarily serve a medical purpose; generally are not useful in the absence of Injury or Sickness; are appropriate for use in the home; and are not disposable. Such equipment includes, but is not limited to, crutches, hospital beds, respirators, wheel chairs, and dialysis machines.
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