If your Child was insured under the Group plan at the time of your Spouse's Portability Event, and your Spouse chose not to enroll them when they were first eligible for ported coverage, your Spouse may not enroll your Child at any time in the future. Once your Spouse's application for portability has been received and approved, your Spouse's and Children's Ported Coverage Effective Date will be the day after coverage would have otherwise ended under the Employer's policy. Your Spouse's and Children's coverage cannot be increased above the amount in force at the time your Spouse become eligible for port. Your Spouse may decrease ported coverage for an Insured at any time. Ported coverage cannot be increased at any time for an Insured. Decreases in coverage will take effect on the date we process the change. Any decrease in ported coverage will not affect a Payable Claim that occurs prior to the decrease. If your Spouse chooses to cancel ported coverage, your Spouse and Children's coverage will end on the earlier of: - the first of the month following the date your Spouse provides notification to us; or - the last day of the period any required premium contributions are made. For your Spouse Otherwise, your Spouse's ported coverage will end on the earliest of: - the date your Spouse fails to pay the required premium within 31 days of a premium due date; - the date your Spouse is no longer eligible for coverage; - the date coverage provided under Portability is cancelled by us upon 31 days of Written notice that we are canceling continuation of coverage under similar group policies issued in similar market; - the first of the month following the date your Spouse reaches age 75; or - the date of your Spouse's death. For your Children Your Children's ported coverage will end on the earliest of: - the date your Spouse's 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 your Spouse or 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. Your Spouse must make all premium contributions for ported coverage. We will bill your Spouse directly for any premium due. The premium for ported coverage is based on the rates in effect for Portability on the date your Spouse applies to port Spouse and Children 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 your Spouse is not eligible to port life insurance coverage for themself and your Children or ported life insurance coverage ends, your Spouse, and Children may be eligible for Conversion. Please refer to the Conversion provision in your certificate.
Ported Coverage Effective Date
Changes to Ported Coverage
End of Ported Coverage
Paying for Ported Coverage Rates for Ported Coverage
Additional Options for Continuing Coverage
UA-GTLPORT21
Portability of Group Life and Accidental Death and Dismemberment Insurance
(1/1/2025) 6
Unum Life Insurance Company of America
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