more Employees who have enrolled Dependent Children incurs a claim, then any payable benefit will be divided equally among the Employees who have insured the Dependent Child unless the Employees otherwise agree. If an Employee who has elected to insure Dependent Children ceases to do so, then the Employee’s Spouse may, within 31 days, elect to insure Dependent Children, provided he or she is insured as an Employee. In all cases, a Dependent Child shall be defined with respect to the Employee who has enrolled Dependent Children. ENROLLMENT An Employee may only enroll or apply for coverage at such times, and during such Enrollment Events, as specified in the Policy. Continuity of Coverage Subject to the Deferred Effective Date Provisions an Employee and His eligible Spouse or Dependent Child insured under the Prior Plan will be covered without further enrollment under this Policy for the amount(s) inforce under the Prior Plan on the day before the Policy Effective Date, not to exceed the Maximum Benefit Amount under this Policy. For purposes of determining premium rates, a Covered Person's age will be his or her Age as defined under this Policy. Group Enrollment Events New Enrollees Subject to the Deferred Effective Date Provisions , an Employee who is newly eligible to apply, or has been eligible but did not previously enroll, may apply for coverage for Himself or any eligible Spouse or Dependent Child for an amount shown as Guaranteed Issue without satisfying any Evidence of Insurability, during the Enrollment Events shown in the Schedule of Benefits . Current Insureds Subject to the Deferred Effective Date Provisions , an eligible Employee who is insured under the Prior Plan, or insured under this Policy, may apply for an increase in coverage for Himself or for coverage on any insured Spouse or Dependent Child for an amount shown as Guaranteed Issue without satisfying any Evidence of Insurability, during the Enrollment Events shown in the Schedule of Benefits . An eligible Employee must apply for Himself and be insured for coverage for which He is required to contribute to the cost of coverage in order to apply for coverage for an eligible Spouse or Dependent Child. Coverage becomes effective for each Subscriber in consideration of the Subscriber’s application, Subscription Agreement and payment of the initial premium when due. Coverage for the Subscriber becomes effective on the Effective date of Subscriber Participation as long as the Minimum Participation Requirements shown in the Schedule of Benefits have been satisfied. Effective Date for Individuals (Newly Eligible and Life Status) Voluntary Benefit For all Employee coverage, Evidence of Insurability is not required. If the Employee applies for coverage and agrees to make required contributions within 31 days after the date He becomes eligible and, subject to the Deferred Effective Date Provisions section below, coverage becomes effective on the later of: 3. the effective date of this Policy; 4. the first of the month following the date We or the Employer receive the Employee’s completed enrollment form. For all Spouse coverage, Evidence of Insurability is not required. EFFECTIVE DATE PROVISIONS Subscriber Effective Date
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