ELIGIBILITY Employee
An Employee becomes eligible for coverage under this Policy on the date He meets all of the requirements of one of the Covered Classes and completes any Eligibility Waiting Period, as shown in the Schedule of Benefits . The Eligibility Waiting Period will not apply to an Employee, in Active Service on the Policy Effective Date, who was covered under the Prior Plan and satisfied the Eligibility Waiting Period, if any, of that plan. Credit will be given for any time that was satisfied. Except as noted in the Reinstatement Provision, if an Employee terminates coverage and later wishes to reapply , or if a former Employee is rehired, a new Eligibility Waiting Period must be satisfied as shown in the Schedule of Benefits . An Employee is not required to satisfy a new Eligibility Waiting Period if coverage ends because he or she is no longer in a Class of Eligible Employees, but continues to be employed by the Employer, and within one year becomes a member of an eligible class. Spouse and Dependent Children A Spouse and Dependent Children of an eligible Employee become eligible for any dependent coverage provided by this Policy on the later of the date the Employee becomes eligible or the date the Spouse or Dependent Child meets the applicable definition shown in the General Definitions section of this Policy. The Employee must be insured under the Policy in order to elect coverage for a Spouse or Dependent Child. Limitations on Multiple Eligibility A Covered Person may be insured only once under this Policy even though he or she may be eligible under more than one class of insureds. Eligible Employee Insured As Spouse – Loss of Eligibility as a Spouse If an Employee is eligible and has enrolled as the Spouse of another Employee, but ceases to be eligible to maintain the amount of coverage for which he or she has enrolled as a Spouse, that Employee may, within 31 days, enroll for coverage as an Employee, in an amount equal to the lesser of: 1. The amount of the Spouse’s coverage terminating; or 2. The maximum amount of Employee coverage of the class for which he or she is eligible. Evidence of Insurability is not required. If this amount is not equal to an available Benefit Amount, it will be adjusted to the next higher available Benefit Amount. An Employee shall not also be eligible for an increase in coverage due to a Life Status Change when eligible under this provision. Premium will be based upon the Employee’s Age as of the Effective Date of the Employee’s coverage under this provision. Eligible Spouse Insured As Employee – Loss of Eligibility as an Employee If a Spouse is eligible and has enrolled for coverage as an Employee but ceases to be eligible to maintain the amount of coverage for which he or she has enrolled as an Employee, that Spouse may, within 31 days, be enrolled for coverage as a Spouse in an amount equal to the lesser of: 1. The amount of Employee coverage terminating; or 2. The maximum amount of Spouse coverage for which he or she is eligible. Evidence of Insurability is not required. If this amount is not equal to an available Benefit Amount, it will be adjusted to the next higher available Benefit Amount. A Spouse shall not also be eligible for an increase in coverage due to a Life Status Change when eligible under this provision. Premium will be based upon the Employee’s Age as of the Effective Date of the Spouse’s coverage under this provision. Special Rules for Dependent Children An Employee who is insured will not be insured as a Dependent Child of another Employee. A Dependent Child of two or more Employees may only be insured once under the Policy. If a Dependent Child of two or
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