Waiver of Premium
Waiver of Premium allows premiums to be waived for an Insured's Life coverage if you are disabled and meet the requirements outlined in the provisions below.
Waiver of Premium Description
Premiums may be waived for coverage if you: - are Disabled prior to age 60; and - satisfy the Elimination Period while remaining Disabled.
Paying for Coverage During Your Application for Waiver of Premium
To be eligible for coverage during your Elimination Period, and to maintain your right to convert your group life insurance coverage, you or your Employer must continue making premium contributions for coverage until you are notified of your approval for Waiver of Premium. Upon approval of your Waiver of Premium claim and satisfaction of the Elimination Period, premium contributions for your life insurance coverage will not be required while you remain Disabled, subject to all other provisions of this certificate. Premium contributions must continue for your Spouse and Children's life insurance coverage for their coverage to remain in effect. Waiver of Premium does not apply to AD&D insurance coverage. Premium contributions must continue for AD&D insurance coverage for any Insured while you remain eligible under the certificate. Premiums waived in accordance with this provision will not be deducted from a Payable Claim. The Elimination Period is the continuous period of time you must be Disabled. You must satisfy the Elimination Period before you are eligible for premiums for coverage to be waived. Elimination Period 180 days While satisfying the Elimination Period, if you return to work for less than 30 continuous days with your Employer and go back out of work due to the same Injury or Sickness, this will be treated as a continuous disability. Days you worked will count towards satisfying the Elimination Period. If you return to work for more than 30 continuous days with your Employer, this will be treated as a new disability and a new Elimination Period will need to be satisfied. If you are working for another employer during the Elimination Period this will be considered working during the Elimination Period and you will not be eligible for this Life Waiver of Premium benefit. For purposes of Waiver of Premium, Disability or Disabled means: During the Elimination Period Due to an Injury or Sickness, you are unable to perform the Material and Substantial Duties of your Regular Occupation. After the Elimination Period Due to the same Injury or Sickness, you are unable to perform the Material and Substantial Duties of any Gainful Occupation. While you are Disabled you must be under the Regular and Appropriate Care of a Physician. The loss of professional or occupational licenses or certifications, by themselves, will not be considered a Disability. If an Insured's life insurance coverage terminates while satisfying the requirements for Waiver of Premium, Conversion may be available. Please refer to the Conversion provision shown in the Life Details Other Features section of the certificate.
Elimination Period
Definition of Disability for Waiver of Premium
Termination of Life Coverage While Satisfying the Disability
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 22
Unum Life Insurance Company of America
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