- the date your Spouse is no longer eligible for coverage; - the date your Spouse no longer meets the definition of a Spouse; - the first of the month following the date your Spouse reaches age 75;
- the date of your Spouse's death; or - the date of divorce or annulment.
If your Spouse's coverage ends as a result of your death, divorce or annulment, your Spouse has the option to port their Spouse coverage in accordance with Portability for your Spouse in the Event of your Death, Divorce or Annulment. For your Children Your Children's ported coverage will end on the earliest of: - the date your ported coverage ends; - the date your Children are no longer eligible for coverage; or - the date your Children no longer meet the definition of Children. Once ported coverage ends for you, your Spouse, or your Children, it cannot be reinstated. In the event your Employer's policy is terminated, Insureds who have continued their coverage under Portability of Life and Accidental Death and Dismemberment Insurance prior to the Employer's policy termination date will not be affected. You must make all premium contributions for ported coverage. We will bill you directly for any premium due. The premium for ported coverage is based on the rates in effect for Portability on the date you apply to port coverage. Rates for ported coverage are determined by us and may be changed at any time. We will provide Written notice at least 31 days before any change is to take effect. If you are not eligible to port life insurance coverage for you, your Spouse, and your Children or ported life insurance coverage ends, you, your Spouse, and your Children may be eligible for Conversion. Please refer to the Conversion provision in your certificate.
Paying for Ported Coverage Rates for Ported Coverage
Additional Options for Continuing Coverage
Death During the Portability Application Period If an Insured dies within 31 days from the date of a Portability Event, any life insurance amount that was eligible for conversion will be payable in accordance with the Conversion provision of the certificate. This life insurance coverage is available whether or not ported life insurance coverage was applied for an Insured under this Portability Rider. Any premiums paid for the Portability coverage shall be refunded. Portability for your Spouse and/or Children in the Event of your Death, Divorce or Annulment Portability Events for your Spouse Your Spouse may port Spouse and/or Children coverage due to the following: - your death; or - divorce or annulment. Portability Your Spouse and/or Children are not eligible to port coverage if at the time of a Portability Event: - your Spouse and/or your Children were not insured under your Employer's policy; - your Spouse has reached age 70; - your Child does not meet the definition of Children; or - your Spouse or your Children are Confined in a Hospital or confined at home. If we determine that your Spouse or your Children were not eligible for Portability at the time your Spouse or your Children applied for portable coverage, the benefit will be adjusted to the amount of whole life coverage the premium would have purchased under the Conversion provision. Restrictions for your Spouse and Children
UA-GTLPORT21
Portability of Group Life and Accidental Death and Dismemberment Insurance
(1/1/2025) 4
Unum Life Insurance Company of America
Made with FlippingBook Online newsletter