In no event will the time allowed for you to exercise an Insured's Right to Convert be extended beyond 60 days from the end of the Conversion Application Period. A Continuation of Coverage for Total Disability provision is added to the End of Coverage section of the certificate as follows: Provided premium is paid, coverage may be continued for up to six months from the date your Total Disability began, but not later than the earlier of: - the date you are approved for continuation under any disability provision included in the policy; or - the cancellation of your Employer's group policy. The Contestability provision in the General Provisions section of the certificate is amended to replace the reference to "fraud" in the last sentence of the first paragraph with "non-payment of premium". A Total Disability definition is added to the Glossary section of the certificate as follows: For purposes of the Continuation of Coverage for Total Disability provision, Total Disability means that due to an Injury or Sickness you are not working in any occupation. While you are Disabled you must be under the Regular and Appropriate Care of a Physician. The loss of professional or occupational licenses or certifications, by themselves, will not be considered a Disability. For residents of Minnesota: The Conversion provision for Right to Convert in the Life Details - Other Features section of the certificate is amended to include the following additional Qualifying Events for your Spouse and your Children: In addition, your Spouse may convert their life insurance coverage if it ends: - due to your death; or - because your Spouse no longer meets the definition of a Spouse. In addition, your Children may convert their life insurance coverage if it ends: - due to your death; or - because your Children no longer meet the definition of Children. The Conversion provision for Life Insurance Coverage that can be Converted in the Life Details - Other Features section of the certificate is amended to remove reference to the Limits on Right to Convert. The Conversion provision for Limits on Right to Convert in the Life Details - Other Features section of the certificate is removed. A Life Insurance Continuation Rights provision is added to the End of Coverage section of the certificate for you, and if applicable your Spouse and Children who have life insurance coverage under the policy, as follows: If you are an employee who is a resident of the state of Minnesota, you have the right to continue life insurance coverage for yourself, your Spouse, and your Children if life insurance coverage ends because you have: - voluntarily or involuntarily terminated employment; or - been Laid Off. For purposes of this provision, Laid Off means you are working less than the minimum number of hours defined by your Eligible Group in this certificate. Life insurance coverage cannot be continued if: - you end employment because of gross misconduct; or - the Employer's group policy is cancelled. Notification of Continuation of Life Insurance Coverage The Employer must inform you in Writing, within 14 days from the date of your termination of employment or within 14 days from the date you were Laid Off of:
GLIFE-STATEVAR
(1/1/2025) 5
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