SECTION 3 - ELIGIBILITY AND EFFECTIVE DATES (Continued)
What Happens when you Experience a Family Status Change? When you experience a Family Status Change, you may keep your coverage at the same level or make any one of the following changes in coverage, subject to any Evidence of Insurability Requirements as shown in the Schedule of Benefits: 1. decrease your coverage; 2. increase your coverage including enrolling for the first time. You must apply for the change in coverage within 31 days of the date of the Family Status Change. Such changes in coverage must be due to or consistent with the reason that the change in coverage was permitted. A change in coverage is consistent with a Family Status Change only if it is necessary or appropriate as the result of the Family Status Change. What is Your Effective Date for Insurance? Insurance will be effective at 12:01 A.M. Standard Time in the governing jurisdiction on the day determined as follows, but only if your application or enrollment for insurance is made with Lincoln through the Sponsor in a form or format satisfactory to Lincoln. Employee Coverage: 1. For non-contributory coverage not subject to Evidence of Insurability, you will be insured on your Eligibility Date. 2. For non-contributory coverage subject to Evidence of Insurability, you will be insured on the later of the date Lincoln gives approval or your Eligibility Date. 3. For contributory coverage not subject to Evidence of Insurability, you will be insured on the later of the date you make application or your Eligibility Date, provided you make application no later than 31 days after your Eligibility Date. 4. For contributory coverage subject to Evidence of Insurability, you will be insured on the later of the date Lincoln gives approval or your Eligibility Date, provided you make application no later than 31 days after your Eligibility Date.
Evidence of Insurability will be at your Expense.
GLC-ELG-2
Eligibility and Effective Dates
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