Start of Coverage
Waiting Period
The Waiting Period is the continuous period of time you must be in an Eligible Group before you are eligible for coverage. Your waiting period is as follows: If you are in an Eligible Group on or before January 1, 2025: 90 days If you enter an Eligible Group after January 1, 2025: 90 days Rehire If your employment ends and you are rehired within 12 months, any prior period of work in an Eligible Group with your Employer, will apply toward the Waiting Period. The date on which you, your Spouse, and your Children become eligible for coverage. For you If you are in an Eligible Group, you are eligible for coverage on the later of: - the Policy Effective Date; or - the day after any applicable Waiting Period has been satisfied. For your Spouse If you elect Additional Coverage for yourself, your Spouse is eligible for coverage on the later of: - the date you are eligible for coverage; or - the date you first acquire a Spouse. For your Children If you elect Additional Coverage for yourself, your Children are eligible for coverage on the later of: - the date you are eligible for coverage; or - the date you first acquire a Child. You are not required to apply for basic Coverage Amounts available for you. Life Coverage Amounts may be subject to Evidence of Insurability Requirements. Additional Coverage You may apply for any additional Coverage Amounts available for an Insured within 31 days of an Insured's Coverage Eligibility Date. You must apply for any additional Coverage Amounts for yourself in order to apply for coverage for your Spouse and your Children. Life Coverage Amounts may be subject to Evidence of Insurability Requirements. Coverage for your newly acquired Spouse or your newborn Children Your newly acquired Spouse will automatically be enrolled in the lowest Additional Coverage Amount available for 31 days from their Coverage Eligibility Date. If you wish to continue Spouse coverage, you must provide notification to us or your Employer on or before the end of the 31 day period and pay any additional premium. Life Coverage Amounts may be subject to Evidence of Insurability Requirements. Your newborn Child will automatically be enrolled in the lowest Additional Coverage Amount available for 31 days from their Coverage Eligibility Date. If you wish to continue Child coverage, you must provide notification to us or your Employer on or before the end of the 31 day period and pay any additional premium. Evidence of Insurability may be required. Initial Enrollment Basic Coverage If you already have coverage for your Children, your newborn Child will also be covered. You do not need to notify us or your Employer or pay any additional premium for your
Coverage Eligibility Date
Applying for Coverage
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 25
Unum Life Insurance Company of America
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