Glossary
Accident(s)
An External and Unexpected force, event or means acted upon the Insured that was the sole, actual, and direct cause of the Insured's bodily Injury or death. Neither the occurrence of that force, event, or means, nor the Insured's bodily Injury or death were contributed by sickness, disease, bodily infirmity or disorder, allergy, abnormal physical condition, or any other event, means or cause whatsoever. For purposes of this definition: External means a force, event or means originating from outside the body. Unexpected means a reasonable person would believe it highly unlikely that the force, event or means would have occurred and, if had occurred, would have resulted in bodily Injury or death. You are working for your Employer for earnings that are paid regularly and you are performing the Material and Substantial Duties of your Regular Occupation. You must be regularly scheduled to work at least the minimum number of hours defined by your Employer. Your work site must be: - your Employer's usual place of business in the United States; - an alternative work site in the United States at the direction of your Employer; or - a location in the United States to which your job requires you to travel. Normal vacation, holidays, or temporary business closures are considered Active Employment provided you are in Active Employment on the last scheduled work day preceding such time off. For purposes of this certificate, temporary business closures that meet the Glossary definition of Active Employment include, but are not limited to: - your lawfully adopted Child as of the earliest of the date: - the Child is placed in your home or in a medical facility; - a petition is filed for you to adopt the Child; or - an adoption agreement signed by you; - a foster Child placed with you by an authorized placement agency or by judgment, decree, or other order of any court of competent jurisdiction; - grandchildren, nieces, and nephews living with you in a regular parent-child relationship; or - any other Child residing with you through legal mandate. Coverage for your Child may also be continued past age 26 if your Child is incapable of self-sustaining employment due to permanent intellectual or physical incapacity prior to reaching age 26 and is dependent upon you for support and maintenance. You must submit proof of the Child's incapacity and dependency to us within 31 days of the Child's 26th birthday or we will accept proof within 31 days of the Child's Coverage Eligibility Date that the Child was continuously covered under this or another similar group policy since age 26 Ongoing proof of incapacity and dependency must be provided when requested by us, but not more frequently than once a year. Your Children may not be insured as both a Child and an Employee. - inclement weather; - power outages; and - public health agency orders. Temporary and seasonal workers are excluded from coverage.
Active Employment
Children or Child Any Child from live birth to age 26 who is: - your own natural offspring; - your Spouse's Child;
UA-GTLC21-1
Group Life and Accidental Death and Dismemberment Certificate
(1/1/2025) 37
Unum Life Insurance Company of America
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