Utah residents: 1) The Hospital Benefit Rider includes a minimum Hospital Daily Stay benefit of $50 per day up to 31 days if admitted on an Inpatient basis in a hospital. 2) The following Rider form(s) is/are not available: ACCIDENTAL RIDER TERM LIFE INSURANCE RIDER Vermont residents: 1) To the extent the Policy provides insurance coverage to a spouse, the identical consideration must be applied to same sex marriages and civil unions. The language is as follows: 1. Civil Union Partner means: a. A person with whom the Employee has a registered civil union under Vermont law which imposes obligations on the parties substantially similar to marriage. Such person will continue to be recognized as a Civil Union Partner unless and until: (1) the civil union is dissolved under applicable law; or (2) either the Employee or the Civil Union Partner marries another person. 2. Spouse means: a. ''Lawful spouse'' and includes a lawful spouse of the same sex. b. This also includes a partner to a civil union recognized under Vermont Law. 2) Portability is replaced with the Continuation for Loss of Eligibility. The Maximum Port Age does not apply. a) The following Continuation of Loss of Eligibility benefit periods have been added: Loss of Eligibility Maximum Benefit Period Employee to age 100 Spouse to age 100 Dependent Children to age 26 b) Under the Age definition, all references to Portability language are removed. c) Portability is not available under the Riders, but Rider benefits can be included in Continuation due to Loss of Eligibility. 3) Under General Definitions section, the following changes apply: 1. The definition of Hospital cannot exclude clinics, facilities, or units of a Hospital for drug addicts or alcoholics, and facilities primarily or solely providing psychiatric services to mentally ill patients. 2. The definition of Spouse is replaced with the following: The Employee’s current lawful Spouse who is at least Age 18 for any coverage requiring Evidence of Insurability but not yet Age 100 . The term includes a Civil Union Partner recognized under Vermont Law. Except for purposes of determining initial eligibility, the term includes a Spouse who is widowed or divorced or legally separated from an Employee. The term includes a common-law Spouse who is recognized as a common-law Spouse under the laws of the jurisdiction where the common-law marriage was formed. 4) Under Exclusions and Limitations section the Common Exclusions provision is modified as follows:
62
Made with FlippingBook. PDF to flipbook with ease