An Employee’s child who meets the following requirements: 1. A child from live birth to 26 years old; 2. A child who is 26 or more years old, and incapable of self-sustaining employment by reason of mental or physical handicap.
A child, for purposes of this provision, includes an Employee’s: 1. natural child; 2.
adopted child, foster child, beginning with any waiting period pending finalization of the child’s adoption. It also means the legally adopted child or foster 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; 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/Partner to a Civil Union, provided the child is living with, and is financially dependent upon the Employee.
2) Under the Common Exclusions and Limitations section, the following changes are made:
a) Modify the following exclusion: • declared or undeclared war or act of war. This Exclusion does not apply to acts of terrorism;
b) Remove the following exclusion: •
dental surgery, unless the surgery is the result of an accidental injury.
3) Under the Claim Provisions section, the following changes are made:
a) The Proof of Loss provision is replaced with the following:
Written or authorized electronic proof of loss satisfactory to Us must be given to Us at Our office, within 180 days of the loss for which claim is made. If (a) benefits are payable as periodic payments and (b) each payment is contingent upon continuing loss, then proof of loss must be submitted within 180 days after the termination of each period for which We are liable. If written or authorized electronic notice is not given within that time, no claim will be invalidated or reduced if it is shown that such notice was given as soon as was reasonably possible. In any case, written or authorized electronic proof must be given not more than one year after the time it is otherwise required, except if proof is not given solely due to the lack of legal capacity.
b) The Time of Payment of Claims provision the first sentence 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 following changes are made:
a) Misstatement of Age or Sex provision is replaced with the following:
Misstatement of Age If the Covered Person’s age has been misstated, the benefits payable under this Policy shall be such as the premium paid would have purchased at the correct age.
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