3. six (6) months following the effective date of discontinuance.
If coverage ends and it is subsequently determined that the Covered Person was Totally Disabled on the date the group Policy is discontinued, We will provide an extension of the Benefits available under the coverage for 6 months where the Benefits are directly related to the condition causing Total Disability.
4) Under the Claims Provisions , the first sentence under the Time of Payment of Claims provisions 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 not more than 30 days upon Our receipt of due written or authorized electronic proof of such loss
5) Under the Administrative Provisions section, the Third Party Notice of Cancellation provision is added:
Third Party Notice of Cancellation You have the right: 1. to designate a third party to receive notice of cancellation of Your Certificate; 2. to change such designation; and
3. of Certificate reinstatement, if You suffer from Cognitive Impairment or Functional Incapacity and the grounds for cancellation was nonpayment of premium or other lapse or default on Your part.
We will send You a Third Party Notice Request Form. We will do this within 10 days of receiving Your request. Any time after completion of this form You may change this designation by written request.
After We have received Your completed Third Party Notice Request Form, at least 10 days prior to cancellation of Your Certificate, We will give notice of the pending cancellation to Your designated third party, if any, at the address You provided. This notice will give the reason for the cancellation. It will also give the date the Certificate is to end. Cancellation may be due to nonpayment of premium. If so, the notice will include the amount of unpaid premium and the date by which it must be paid. The cancellation may be due to some other lapse or default on Your part. If so, the notice will include an explanation of how to cure the default and the time You have to do this.
6) Under the General Provisions section, under Incontestability provision, the sentences referencing the time limit changed from two years to three years and reference to fraud removed as shown below:
This Policy or Participation Under This Policy After three years from the Policy Effective Date, no such statement will cause this Policy to be contested except for lack of eligibility for coverage. A Covered Person's Insurance After three years from the Covered Person’s effective date of coverage, or from the effective date of increased benefits, no such statement will cause coverage or the increased benefits to be contested except for lack of eligibility for coverage.
Maryland residents:
32
Made with FlippingBook - PDF hosting