will be applied only if the disability begins in the first 12 months after the insured's effective date of coverage for the applicable benefit, or such shorter time as provided in the policy. The HOW CAN STATEMENTS IN YOUR APPLICATION FOR THIS COVERAGE BE USED? provision in the GENERAL PROVISIONS section of the policy is amended to provide that, except for fraud, misstatements made in your application cannot be used to reduce or deny coverage if your coverage has been in force for at least 2 years. For residents of Vermont: If the policy is marketed in Vermont, the policyholder has a principal office or is organized in Vermont, or there are more than 25 Vermont residents insured under the policy: The limitation specifying the number of months payments will be made for a disability caused by a mental and nervous condition is removed. The MINIMUM HOURS REQUIREMENT stated in the BENEFITS AT A GLANCE section of the policy is reduced to 17.5 hours per week. The Pre-existing Condition exclusion in the OTHER FEATURES provision of the BENEFITS AT A GLANCE section of the policy is amended so that if the last number is greater than 12 months, it is reduced to 12 months and any Pre-existing Condition exclusion in the BENEFIT INFORMATION section of the policy is amended so that it will be applied only if the disability begins in the first 12 months after the insured's effective date of coverage for the applicable benefit, or such shorter time as provided in the policy. For residents of West Virginia: The Pre-existing Condition exclusion in the OTHER FEATURES provision of the BENEFITS AT A GLANCE section of the policy is amended so that if the last number is greater than 12 months, it is reduced to 12 months and any Pre-existing Condition exclusion in the BENEFIT INFORMATION section of the policy is amended so that it will be applied only if the disability begins in the first 12 months after the insured's effective date of coverage for the applicable benefit, or such shorter time as provided in the policy. For residents of Wisconsin: The Pre-existing Condition exclusion in the OTHER FEATURES provision of the BENEFITS AT A GLANCE section of the policy is amended so that if the last number is greater than 12 months, it is reduced to 12 months and any Pre-existing Condition exclusion in the BENEFIT INFORMATION section of the policy is amended so that it will be applied only if the disability begins in the first 12 months after the insured's effective date of coverage for the applicable benefit, or such shorter time as provided in the policy.
GDIS-STATEVAR-4 (1/1/2025)
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