b) The Termination provision is revised to require minimum notice of 45 days.
c) The Incontestability provision is revised so fraud cannot be a reason to contest the coverage after 2 years.
5) Under the Critical Illness Insurance Rider, the Date of Diagnosis definition also included the following:
A Clinical Diagnosis that can only be made postmortem will also be accepted.
North Dakota residents:
1) Benefits are not available for Travel and Lodging.
2) The Benefit Waiting Period does not apply.
3) The Elimination Periods do not apply.
4) Under the Schedule of Benefits section: a) A minimum benefit of $50 per day for Hospital Stay and Hospital Intensive Care Unit Stay will be available for up to 10 days. b) the Elimination Period under the Observation Benefit is referred to as the Observation Period c) Tier 1 are not available. Tier 2 benefits will always be paid. 5) The Lifetime Maximum does not apply to Substance Abuse Facility Care or Mental Illness and Nervous Disorder Facility Care.
6) 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 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;
7) Under the Description of Benefits section, the following change is made to the Skilled Nursing Facility limitation #2
If the Covered Person leaves the Skilled Nursing Facility and then returns within 180 days for the same or a related Covered Injury or Covered Illness, we will still count that as one period of confinement for purposes of the Maximum Benefit Periods. However, if the Covered Person is out of the Skilled Nursing Facility for at least 180 days and then returns for the same or a related Covered Injury or Covered Illness, we will count that as a different period of confinement.
8) Under the Common Exclusions and Limitations section, the following changes are made to the exclusions:
a) Modify the following exclusion as shown:
•
commission or attempt to commit a felony;
b) The following exclusion is removed:
• dental surgery, unless the surgery is the result of an accidental injury;
9) Under the Administrative Provisions section, Effective Date of Reinstated Insurance is replaced by the following:
Effective Date of Reinstated Insurance Reinstated coverage will be effective on the date the Employee returns to Active Service if satisfaction of the Insurability Requirement is not required. If the Insurability Requirement must be satisfied, the reinstated coverage will be effective as provided in the Effective Date Provisions section. If the Employee did not fully satisfy the Pre- Existing Condition Limitation (if any, as shown in the Schedule of Benefits and Description of Coverages ) before
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