Arkansas residents:
1) Under the General Definitions section, the following changes are made
a) The word “external” is removed from the definition of Covered Accident.
b) Items 2 of the second paragraph of the definition of Dependent Child is replaced with the following:
2. In the case of minor children under an Employee’s charge, care and control for whom the Employee has filed a petition to adopt, coverage will be effective: a. From the date of birth if the petition for adoption is filed and a request for coverage is made within 60 days of the date of birth; or b. On the date of the filing of the petition for adoption if a request for coverage is made within 60 days of the date of filing. Coverage shall terminate upon the dismissal of a petition for adoption.
2) Under the Effective Date Provisions section, the following paragraph is added to the Effective Date for Individuals provision:
The Employee must give Us notice of any newborn children within ninety (90) days of the birth or before the next premium due date, whichever is later.
Coverage shall begin on the date of the filing of a petition for adoption if the insured applies for coverage within sixty (60) days after the filing of the petition for adoption. Coverage shall begin from the moment of birth if the petition for adoption and application for coverage is filed within (60) days after the birth of the minor.
3) Under the Claim Provisions section, the first sentence of the Time Payment of Claims provision is replaced with 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.
4) Under the General Provisions section , the Incontestability provision is revised under A Covered Person’s Insurance to state a copy of the instrument containing the statement must also be furnished to the Covered Person.
Florida residents:
1) Under the General Definitions section, item 2 of the second paragraph of the Dependent child definition includes adopted and foster 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) Under the Term Life Insurance Rider, the following changes are made:
a) Whose Insurance May Be Converted section is replaced with the following:
Each Covered Person’s insurance or any portion of it may be converted if it ends for any of the following reasons: 1. employment or membership ends; 2. termination of membership in an eligible class under the Policy.
b) The Amount of Conversion Insurance section is replaced with the following:
The Covered Person may apply for an amount of insurance that is not greater than the coverage amount terminating under the Policy; or
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