Continuity of Coverage
Continuity of Coverage will protect you, your Spouse, and your Children from having a lapse in group term life and accidental death and dismemberment insurance when your Employer changes insurance carriers to Unum from another insurance company. Continuity of Coverage also applies when your coverage changes from another carrier to Unum because the Employer merged with your prior employer or acquired your prior employer in whole or in part. As used in this section, the following terms are defined as follows: - Prior Policy means your Employer's prior group term life and accidental death and dismemberment insurance policy under which you, your Spouse, and your Children were insured on the day before the effective date of the Unum policy; and - Prior Plan Benefits means the group term life and accidental death and dismemberment benefits that would have been paid to you, your Spouse, or your Children under the Prior Policy had that Prior Policy remained in force and you, your Spouse, and your Children had continued to be insured. Coverage Effective Date
You are In Active Employment on the Policy Effective Date or on the Date your Eligible Group is First Covered
Basic Coverage You will be insured under the Unum policy for the amount you had in force with the Prior Policy, provided you: - were covered under the Prior Policy on the day before the effective date of the Unum policy or on the date your Eligible Group is first covered due to the Employer merging with or acquiring your prior employer; and - on the Unum Policy Effective Date or on the date your Eligible Group is first covered due to the Employer merging with or acquiring your prior employer, you are in Active Employment in an Eligible Group and satisfy any other eligibility requirements under the Unum policy. If you were covered by the Prior Policy, you may increase or decrease coverage for you subject to the Coverage Amounts available during an initial Enrollment Period. Evidence of Insurability is required for any increases in coverage. If you were not covered by the Prior Policy, you may apply for any Coverage Amounts available during an initial Enrollment Period. Evidence of Insurability is required for all life Coverage Amounts. Additional Coverage You, your Spouse, and your Children will be insured under the Unum policy for the amount you, your Spouse, and your Children had in force with the Prior Policy, provided you, your Spouse, and your Children: - were covered under the Prior Policy on the day before the effective date of the Unum policy or on the date your Eligible Group is first covered due to the Employer merging with or acquiring your prior employer; and - on the Unum Policy Effective Date or on the date your Eligible Group is first covered due to the Employer merging with or acquiring your prior employer, you are in Active Employment in an Eligible Group and satisfy any other eligibility requirements under the Unum policy. If you were covered by the Prior Policy, you may increase or decrease coverage for an Insured subject to the Coverage Amounts available during an initial Enrollment Period. Evidence of Insurability is required for any increases in coverage. If you were not covered by the Prior Policy, you may apply for any Coverage Amounts available during an initial Enrollment Period. Evidence of Insurability is required for all life Coverage Amounts. Due to Injury or Sickness We will provide limited coverage under the Unum policy for you, your Spouse, and your
UA-GTLC21-1 You are Not in Active
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 20
Unum Life Insurance Company of America
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