a) The Notice of Claim is revised as following: Written or authorized electronic, or telephonic notice of claim must be given to Us within 31 days after a Covered Loss occurs or begins or as soon as is reasonably possible. If written or authorized electronic, or telephonic notice is not given in that time, the claim will not be invalidated or reduced if it is shown that written or authorized electronic, or telephonic notice was given as soon as was reasonably possible. Notice can be given to Us at Our Home Office in Bloomfield, Connecticut, such other place as We may designate for the purpose, or to Our authorized producer. Notice should include the Policyholder's name and Policy number and the Covered Person’s name, address, Policy and Certificate number. b) The Time of Payment of Claims is revised as follows: 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. Due proof of loss means all essential information needed to make a determination on the claim. Subject to due written or authorized electronic proof of loss, all accrued benefits for loss for which this Policy provides periodic payment will be paid monthly unless otherwise specified in the benefits descriptions and any balance remaining unpaid at the termination of liability will be paid immediately upon receipt of proof satisfactory to Us. 12) Under the Administration Provisions , the first sentence of the Change in Premium Rates has been revised as follows: The premium rates may be changed by Us with at least 45 days advance written notice.
13) Under the General Provisions , the following changes are made: a) The Entire Contract; Changes section is revised as follows:
This Policy, including the endorsements, amendments, a copy of the application, if any, and any attached papers constitutes the entire contract of coverage. No change in this Policy will be valid until approved by one of Our executive officers and endorsed on or attached to this Policy. No producer has authority to change this Policy or to waive any of its provisions. b) The Incontestability section is revised as follows: A Covered Person's Insurance All statements made by a Covered Person are considered representations and not warranties. No statement will be used to deny or reduce benefits or be used as a defense to a claim, unless a copy of the instrument containing the statement is, or has been, furnished to the claimant or his or her beneficiary, if any. 14) Th e Healthy Living Wellness Rider is retitled Healthy Living Rider. 15) Under the Wellness Treatment, Health Screening Test and Preventive Care Benefit Rider , the following changes are made: a) The rider is retitled to Health Screening Test and Preventive Care Benefit Rider and all listed Wellness Treatment services are available only under Health Screening Test. b) The following exams are not available: Annual routine preventative dental exam Annual routine ophthalmological exam including refraction 15) The following Rider form(s) is/are not available: HOSPITAL BENEFIT RIDER ACCIDENTAL DEATH AND DISMEMBERMENT RIDER ACCIDENTAL RIDER
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