Waiver of Premium
Provisions section of this certificate.
Waiver of Premium Additional Details
While premiums are being waived, an Insured's Life and AD&D Benefit Amount will not increase or decrease due to a plan change made by the Employer. If you become disabled while you are covered in accordance with the Continuation of your Coverage During Extended Absences provision in this certificate, we will use your approved Life and AD&D Benefit Amount in effect just prior to the date the extended absence began to determine the amount for which premiums may be waived. If the policy is cancelled while your premium is being waived, coverage will continue in accordance with the End of Waiver of Premium provision. If an Insured dies while premiums are being waived, Proof of Loss should be submitted to us after the Insured's death. In addition to the Proof of Loss requirements outlined in the certificate for an Insured's death, proof must also include supporting documentation that the Insured's disability continued without interruption from the date the Waiver of Premium started to the date of death. Waiver of Premium will automatically end on the earliest of: - the date you recover, and you no longer are Disabled; - the date you fail to provide us with Proof of Loss as requested; - the date you refuse to have an examination by a Physician chosen by us; - the date you reach age 65; - the date you die; - the date premium has been waived for 12 months and you are considered to reside outside the United States. You will be considered to reside outside these countries when you have been outside the United States for a total period of 6 months or more during any 12 consecutive months for which premium has been waived. The Conversion provision may be available for an Insured when the Waiver of Premium benefit ends. Please refer to the Conversion Privilege shown in the Life Details Other Features section of the certificate.
Death During Waiver of Premium
End of Waiver of Premium
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 24
Unum Life Insurance Company of America
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