4) Under the Continuation of Coverage Provisions section, the following is added: If an Employee’s Active Service ends due to entry into the armed forces, insurance will continue, if the required premium is paid, until the day the Employee fails to return to work as outlined in the Uniform Services Employment and Reemployment Rights Act of 1994. All of the following will apply when insurance is continued under this provision: 1. any change in benefits that occurs during the period of continuation will apply on the effective date of the change; 2. any Active Service requirement will be waived; 3. the Employee will be given credit for the time He was covered under this Policy prior to the leave. If an Employee does not continue insurance during such leave and returns to work: 1. the Employee and His enrolled Spouse and Dependent Children will be covered on the date the Employee returns to work from the leave. The Employee must return to work as outlined in the Uniform Services Employment and Reemployment Rights Act of 1994; 2. any portion of an eligibility waiting period that has not been completed will not be credited during the Employee’s leave. A Spouse or Dependent Child, of an Employee, who is covered under the Policy and subsequently called to service in the armed forces, will continue to be considered a Spouse or Dependent Child under the provisions of the Policy, without any lapse of coverage, provided that all required contributions are paid in accordance with Policy provisions. 5) Under the Reinstatement of Insurance section the following has been added: Your insurance, including insurance for Your dependents who were previously covered, shall be reinstated when You leave employment to perform service in the armed forces, and You reapply for insurance after returning from service pursuant to the Uniformed Services Employment Act of 1994 (USERRA), without any clause or restriction because of a Pre-Existing Condition. An eligible dependent covered under the Policy who is called to service in the armed forces and whose coverage under the Policy is not maintained during such service shall, after release and upon application, have insurance reinstated under the Policy without any clause or restriction because of a Pre- Existing Condition. The reinstated insurance will include the same coverage amounts that were in force on the date insurance terminated, and will be subject to all the terms and provisions of the Policy.
6) Under the Claim Provisions section, the following changes are made: a) The Time of Payment of Claims provision is replaced with the following:
All claims arising under the terms of the Policy shall be paid not more than 30 days from the date upon which written or authorized electronic notice and proof of claim, in the form required by the terms of the Policy, are furnished to Us unless reasonable grounds, such as would put a reasonable and prudent businessman on His guard, exist. Failure to comply with this provision shall subject Us to a penalty payable to the Employee of double the amount of the benefits due under the terms of the Policy during the period of delay, together with attorney’s fees to be determined by the court. b) The following statement in the Payment of Claims provision has been removed: Benefits for loss of life will be payable to the Covered Person’s beneficiary named under this Policy, if any, in accordance with the Beneficiary provision and this Claim Provisions section. 7) Under the Administrative Provisions section, the following changes are made: a) Under the Changes in Premium Rates section, a 45 day notice is required for change of premiums. b) The Reinstatement Provision is modified as follows:
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