Group Hospital Insurance Certificate

2. adopted child from the earlier of the date the petition for adoption is filed or entry of the child in the adoptive home, or in the case of a child who is in the custody of the state, coverage shall begin at the date of entry of a final decree of adoption. It also means the legally adopted child of the Employee’s Spouse or Domestic Partner provided the child is living with, and is financially dependent upon the Employee ; 3. stepchild who resides with the Employee and is financially dependent upon the Employee; 4. child, for whom the Employee is the court-appointed legal guardian and primarily depends on the Employee for financial support. Financial support means that the Employee is eligible to claim the dependent for purposes of Federal and State income tax returns. 5. a child of the Employee’s domestic partner provided the child is living with, ,and is financially dependent upon the Employee.

c) Definition of Hospital is revised so that the first two paragraphs read as follows:

An institution that meets all of the following: 1. It is operated pursuant to applicable law; 2. It is primarily and continuously engaged in providing medical care and treatment to sick and injured persons; 3. It is managed under the supervision of a staff of Physicians; 4. It provides 24-hour nursing services by or under the supervision of a graduate registered Nurse (R.N.); 5. It has medical, diagnostic and treatment facilities with major surgical facilities on its premises, or available to it on a prearranged basis. The term Hospital shall include a Veteran’s Administration Hospital or Federal Government Hospital, and the requirement that a patient must incur an expense as an Inpatient at such a facility shall be waived. d) Definition of Inpatient also includes the following: The requirement that a person be charged for room and board shall not apply to confinement in a Veteran's Administration Hospital or Federal Government Hospital and in such case, the term "Inpatient" shall mean a Covered Person who is required to be confined for a period of at least a full day as determined by the Hospital.

e) Definition of Skilled Nursing is revised to include the following: `

The term "skilled nursing facility" includes swing bed, but only when the hospital or critical hospital has entered into a swing-bed agreement with the Department of Health and Human Services, under which the facility can “swing” its beds and provide eithe r Skilled Nursing Facility care, as needed.

f) Definition of Spouse is revised so that the first sentence reads as follows:

The Employee’s current lawful spouse.

3) Section C of The Takeover Provision section do not apply. Section C changed to B.

4) Under the Common Exclusions and Limitations section, the following changes are made:

a) Modify the exclusions as shown:

commission of a felony;

• a Covered Injury or Covered Illness that occurs while on active duty service in the military, naval or air force of any country or international organization. Upon Our receipt of proof of service, We will refund any premium paid for this time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days;

b) Remove the following exclusion:

• Pregnancy, including childbirth, occurring within the first 9 months of the Covered Person’s effective date of coverage. This Exclusion does not apply to Complications of Pregnancy.

b) The Pre-Existing Condition Limitation is revised as follows:

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