Start of Coverage
application is approved by us for any Coverage Amounts subject to Evidence of Insurability Requirements. In addition, decreases in coverage for an Insured made at any time during the Policy Year will begin on the first of the month following the date you apply for the decrease in coverage. Any increase or decrease in coverage will not affect a Payable Claim that occurs prior to the increase or decrease. Increases in coverage due to a change in Earnings will begin on: - the first of the month following the date of the change in Earnings 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 application is approved by us, for any Coverage Amounts subject to Evidence of Insurability Requirements. Decreases in coverage due to a change in Earnings will take effect immediately but will not affect a Payable Claim that occurs prior to the decrease. Increases in coverage due to a plan change requested by your Employer will begin on the first of the month following the later of: - the date of the plan change; or - the date the Insured's Evidence of Insurability application is approved by us, for any Coverage Amounts subject to Evidence of Insurability Requirements. Decreases in coverage due to a plan change requested by your Employer will take effect immediately but will not affect a Payable Claim that occurs prior to the decrease. You must be in Active Employment in order for coverage to become effective for any Insured in accordance with the Coverage Effective Date and Coverage Effective Date for Changes in Coverage and Coverage Effective Date for Changes in Earnings provisions. If you are not in Active Employment due to a covered extended absence as outlined under the Continuation of your Coverage During Extended Absences provision on the date coverage would become effective for any Insured, the Insured's Coverage Effective Date will be the date you return to Active Employment. In addition, your Spouse's and your Children's coverage may be delayed in accordance with the Delay of Coverage Effective Date for your Spouse and Children provision below. Coverage Effective Date for Initial Enrollment, Late Enrollment, Changes in Coverage Changes in Earnings, and Plan Changes Requested by your Employer are subject to this provision. A delay of Coverage Effective Date for an increase in coverage will not affect coverage that is currently in force. Your Spouse's Coverage Effective Date will be delayed if your Spouse: - is an inpatient in a Hospital, Hospice, or other health care facility; - is confined at home under the care of a Physician. If your Spouse's Coverage Effective Date is delayed due to the conditions above, your Spouse's coverage will begin on: - the date your Spouse is no longer an inpatient in a Hospital, Hospice, or other healthcare facility; or - the date your Spouse is no longer confined at home under the care of a Physician. This provision does not apply to Children.
Coverage Effective Date for Changes in Earnings
Coverage Effective Date for Plan Changes Requested by the Employer
Coverage Effective Date if you are not in Active Employment
Delay of Coverage
Effective Date for your Spouse and Children
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 28
Unum Life Insurance Company of America
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