Start of Coverage
more than one level due to a Qualifying life Event. If you or your Spouse is not approved for the increase in your or your Spouse's coverage, you or your Spouse will automatically remain at the same amount of coverage you or your Spouse had prior to applying for the increase. However, if your or your Spouse's current amount of coverage is below the Evidence of Insurability Requirements, your or your Spouse's coverage will be increased to the next level as long as that level does not exceed the Evidence of Insurability Requirements. If you are replacing similar coverage you had in force through your Employer's group policy with the prior carrier, Evidence of Insurability is not required for any life insurance coverage an Insured had in force with the Employer's prior carrier on the termination date of the prior carrier's policy up to the maximum amount allowed under the Unum Group Life Insurance Policy. Initial Enrollment Basic Coverage Coverage for you will begin on the first of the month following your Coverage Eligibility Date. Additional Coverage Coverage for an Insured will begin on the later of: - the first of the month following an Insured's Coverage Eligibility Date if you apply on or before that date for any Coverage Amounts not subject to Evidence of Insurability Requirements; or - the first of the month following the date you apply for an Insured's coverage, if coverage is applied for within 31 days of an Insured's Coverage Eligibility Date for any Coverage Amounts not subject to Evidence of Insurability Requirements; and - the first of the month following the date an Insured's Evidence of Insurability application is approved by us for any Coverage Amounts subject to Evidence of Insurability Requirements, but not earlier than an Insured's Coverage Eligibility Date. Late Enrollment Additional Coverage Coverage applied for during an annual Enrollment Period will begin on the later of: - the first day of the next Policy Year; or - the first of the month following the date an Insured's Evidence of Insurability application is approved by us, but not earlier than the first day of the next Policy Year. Coverage applied for due to a Qualifying Life Event will begin on the first of the month following the date an Insured's Evidence of Insurability application is approved by us. Additional Coverage Increases in coverage for an Insured made during an annual Enrollment Period will begin on: - the first day of the next Policy Year for any Coverage Amounts not subject to Evidence of Insurability Requirements; and - the first of the month following the date an Insured's Evidence of Insurability application is approved by us for any Coverage Amounts subject to Evidence of Insurability Requirements, but not earlier than the first day of the next Policy Year. Increases in coverage for an Insured made due to a Qualifying Life Event will begin on the later of: - the first of the month following the date of a Qualifying Life Event, if you apply for the increase in coverage on or before that date for any Coverage Amounts not subject to Evidence of Insurability Requirements; or - the first of the month following the date you apply for the increase in coverage, if you apply within 30 days of the Qualifying Life Event for any Coverage Amounts not subject to Evidence of Insurability Requirements; and - the first of the month following the date the Insured's Evidence of Insurability
Coverage Effective Date
Coverage Effective Date for Changes in Coverage
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 27
Unum Life Insurance Company of America
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