DISIBILITY INCOME RIDER TERM LIFE INSURANCE RIDER
Wisconsin 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 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 the child is living with, and is financially dependent upon the Employee; 2) Under the Claim Provisions , the Time of Payment provision is replaced with the following: Benefits due shall be paid not more than 30 days after Our receipt of written or authorized electronic proof of loss. Subject to proof of loss, all accrued benefits shall not be paid less frequently than monthly during the continuance of the period for which We are liable, and any balance remaining unpaid at the termination of such period shall be paid as soon as possible after receipt of such proof. A claim shall be overdue if not paid within 30 days after We are furnished written or authorized electronic proof of loss. If such proof is not furnished to Us as to the entire claim, any partial amount supported by written or authorized electronic proof of loss is overdue if not paid within 30 days after proof is furnished to Us. Any part or all of the remainder of the claim that is subsequently supported by written or authorized electronic proof is overdue if not paid within 30 days after such proof is furnished to Us. Any payment shall not be deemed overdue when We have reasonable proof to establish that We are not responsible for the payment, notwithstanding that written or authorized electronic proof of loss has been furnished to Us. For the purpose of calculating the extent to which any claim is overdue, payment shall be treated as being made on the date a draft or other valid instrument which is equivalent to payment was placed in the U.S. mail in a properly addressed, postpaid envelope, or, if not so posted, on the date of delivery . 3) Under the Administrative Provisions section, the Change in Premium Rates Provision is revised to show that We may change premium rates with at least 60 days advance written notice if rates are to be increased by 25% or more. 4) Under the General Provisions section, the Policy Termination provision is revised to reflect that 60 days advanced written notice must be provided. Alabama, Alaska, Arkansas, Arizona, California, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Pennsylvania, Puerto Rico, Rhode Island, South Carolina, Tennessee, Virginia, Virgin Islands and Wisconsin Residents: The Pre-Existing Condition Limitation Period can’t exceed 6 months/12 months.
CIGNA HEALTH AND LIFE INSURANCE COMPANY
Geneva Campbell Brown Corporate Secretary
Julia M.Huggins Senior Vice President of US Markets President CHLIC
GCI-00-3000.00
R6/22
69
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