1) Under the General Definitions section, the following changes are made: a) The definition of Age does not include the following: For the purposes of Portability, except as to premium calculations, Extension of Benefits, Waiver of Premium, or Continuation due to Disability, a Covered Person’s Age is His Age as of His last birthday. b) The definition of Dependent Child is replaced with the following: An Employee’s child who meets the following requirements: 1. child from live birth to 26 years old; 2. Any unmarried child or grandchild who is placed in the home of an Insured Person following execution of an act of voluntary surrender shall be considered the Insured Person’s Dependent Child from the date on which the act of voluntary surrender becomes irrevocable. 3. A child who is 26 or more years old residing with the Employee and incapable of self-sustaining employment by reason of intellectual or physical disability. A child, for purposes of this provision, includes an Employee’s: 1. natural child; 2. adopted child, beginning with any waiting period pending finalization of the child’s adoption. It also means the legally adopted child of the Employee’s Spouse or domestic partner/Partner to a Civil Union provided the child is living with, and is financially dependent upon the Employee; 3. stepchild who resides with the Employee and is financially dependent upon the Employee; 4. child, grandchild for whom the Employee is the court-appointed legal guardian, as long as the child resides with the Employee and primarily depends on the Employee for financial support. Financial support means that the Employee is eligible to claim the dependent for purposes of Federal and State income tax returns; 5. a child of the Employee’s domestic partner/Partner to a Civil Union, provided the child is living with, and is financially dependent upon the Employee. c) The definition of Spouse is replaced with the following The Employee’s legally married husband or wife. Except for purposes of determining initial eligibility, the term includes a Spouse who is widowed or divorced or legally separated from an Employee. d) A definition of Partner has been included when Domestic Partner is included: Partner Any individual who is Your partner in a civil union or domestic partnership, or other relationship as recognized and allowed by applicable federal law, state law, or law of the county, city or local government in Your jurisdiction of residence, if: 1. You provide acceptable evidence that the requirements of the jurisdiction in which they reside for the establishment of the relationship have been met; 2. You submit a written declaration of partnership signed by both parties in a format acceptable to Us; or 3. You and Your partner satisfy the Policyholder’s requirements for such partnerships. 2) Under the Exclusions and Limitations section, exclusions are replaced with the following: voluntary ingestion of narcotic, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage; operating any type of vehicle while under the influence of alcohol, narcotic or other intoxicant. ''Under the influence of alcohol'', for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Loss occurred. 3) All references to “mental or physical handicap” have been revised to “intellectual or physical disability”.
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