contingent upon continuing loss, then proof of loss must be submitted within 180 days after the termination of each period for which We are liable. If written or authorized electronic notice is not given within that time, no claim will be invalidated or reduced if it is shown that such notice was given as soon as was reasonably possible. In any case, written or authorized electronic proof must be given not more than one year after the time it is
otherwise required, except if proof is not given solely due to the lack of legal capacity. b) Under the Time Payment of Claims section, the first sentence is replaced by the following:
We will pay benefits due under this Policy for any loss other than a loss for which this Policy provides any periodic payment immediately upon Our receipt of due written or authorized electronic proof of such loss. 6) Under the Administrative Provisions section the following changes have been made: a) The following has been added to the Premiums provision: Premium rates shall be guaranteed for the first contract year. We will not change the premium rates more than once in any six-month period based on at least 12 months experience. Any rate adjustment shall be preceded by a written 45-day notice. b) The Reinstatement of Insurance provision changed as, requests for reinstatement must be received within 60 days 7) Under the General Provisions section, the Incontestability changed as, fraud cannot be a reason to contest the coverage after 2 years. 8) When the Wellness Treatment and Health Screening Test Incentive Benefit Rider is included under your plan, the following changes apply: a) Remove Preventive Care benefits from this title and remove the preventive care coverage section and any reference to Preventive Care in this Rider. 9) When the Healthy Living Wellness Rider is included under your plan, the following changes apply: a) Remove Preventive Care benefits from this title and remove the preventive care coverage section and any reference to Preventive Care in this Rider. North Dakota residents: 1) Under the General Definitions section, item 2 of the second paragraph of the Dependent child definition includes adopted child as follows: 2. adopted child, beginning with the date of the filing of the petition for 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; 2) The Exclusions and Limitation s section, he commission or attempt to commit a felony or assault exclusion is revised to be as follows: commission or attempt to commit a felony; Oregon residents: 1) If the Policy provides coverage/benefits to a Spouse, a Domestic Partner will be afforded the same coverage/benefits provided to a Spouse. Domestic Partner means any of the following: 1. A person with whom the Employee has a registered domestic partnership under state law which imposes legal
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