Group Critical Illness Insurance Certificate

or sick leave after 7 days, only if the Employee was in Active Service on the preceding scheduled workday. A Covered Person is not considered in Active Service if He is: 1. Inpatient in a Hospital, receiving Hospice Care or confined in a rehabilitation or convalescence center; 2. confined at home under the care of a Physician for Illness or Injury. b) The definition of Advanced Stage Alzheimer’s disease is replaced with the following; A progressive, degenerative disorder that attacks the brain’s nerve cells, or neurons with accumulation and deposition of beta amyloid protein that results in the inability to perform the normal activities for one of like age and sex. The Date of Diagnosis of the Covered Person’s Advanced Stage Alzheimer’s disease is the date of the Covered Person's inability to perform the normal activities of like age and sex and who is under the regular care of a Physician as confirmed by a Physician. c) The definition of Alzheimer’s has been revised so that the second bullet is replaced with the following;

 The cognitive deficits interfere with independence in everyday activities d) The definition of Blindness is replaced with the following: Clinically proven irreversible reduction of sight in both eyes, caused by:  Macular degeneration;  Diabetic retinopathy;  Glaucoma, Ischemic;  optic neuropathy; or  optic neuritis The reduction in sight must result in: 1.

sight in the better eye reduced to a best corrected visual acuity of less than 6/60 (Metric Acuity) or 20/200 (Snellen or E-Chart Acuity); or 2. visual field restriction to 20o or less in both eyes. The Date of Diagnosis is the date an ophthalmologist diagnoses an irreversible vision loss.

e) The definition of Coma includes the following: The Coma must be caused by, but not limited to: 1. Metabolic illness; 2.

Cerebral infarction or cerebral hemorrhage; Meningitis or Encephalitis; Hypoxic Ischemic Encephalopathy;

3. 4. 5.

Vasculitis. f) The definition of Dependent Child is revised as follows: An Employee’s child who meets the following requirements: 1. A child from live birth to 26 years old; 2. A child who is 26 or more years old, primarily supported by the Employee and incapable of self-sustaining employment by reason of developmental 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

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