ADMINISTRATIVE PROVISIONS Premiums
All premium rates are expressed in, and all premiums are payable in, United States currency. The premiums for this Policy will be based on the rates determined by written agreement between the Subscriber and Us, the plan and amounts of coverage in effect. Payment of Premium Covered Person The Covered Person may be responsible for the payment of premium directly to Us, as determined by the Employer from the Policy Effective Date, or following the expiration of 60 days from the date coverage is continued for a Covered Person under the Continuation of Coverage Provisions section of the Policy. Premium shall be due monthly, unless the Covered Person and We agree on some other period for premium payment. If premium is not paid when due, coverage will end as of the premium due date, except as provided in the Covered Person Grace Period provision below. Grace Period Covered Person A Grace Period of 31 days will be granted for payment of required premiums under this Policy. A Covered Person’s coverage under this Policy will remain in force during the Grace Period. We will reduce any benefits payable for any claims incurred during the Grace Period by the amount of premium due. If no such claims are incurred and premium is not paid during the Grace Period, coverage will end on the last day of the period for which premiums were paid. Reinstatement of Insurance If an Employee's Active Service ended due to an Employer-approved leave pursuant to the Family and Medical Leave Act (FMLA) and Continuation of Coverage is not applicable, an Employee's coverage may be reinstated at the conclusion of the FMLA leave. If an Employee's Active Service ends due to the Employer-approved unpaid leave of absence, other than an approved FMLA leave, coverage may be reinstated only: 1. if the reinstatement occurs within 12 weeks from the date coverage ends; or 2. when returning from military service pursuant to the Uniformed Services Employment Act of 1994 (USERRA). Effective Date of Reinstated Insurance Reinstated coverage will be effective on the date the Employee returns to Active Service if Evidence of Insurability is not required. If Evidence of Insurability must be satisfied, the reinstated coverage will be effective as provided in the Effective Date Provisions section. If the Employee did not fully satisfy the Eligibility Waiting Period, Benefit Waiting Period, or the Pre-Existing Condition Limitation (if any) before coverage ended due to an approved unpaid leave of absence, credit will be given for any time that was satisfied. GCI-02-CE1800.00
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