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. 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". In addition to non-payment of premium, if your coverage includes Accidental Death and/or Waiver of Premium and/or total disability benefit claims, each of those also replaces the reference to "fraud." For residents of Montana 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. A Notice of Right to Convert is added to the Conversion provision in the Life Details - Other Features section of the certificate as follows: Notice of Right to Convert Your Employer must notify you of your Right to Convert all or part of an Insured's life insurance coverage within 15 days from the end of the Conversion Application Period. If your Employer does not notify you within those 15 days, the time allowed for you to exercise an Insured's Right to Convert will be extended for 15 days from the date you are notified. 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. The Representation in Applications provision in the General Provisions section of the certificate is amended as follows: Any statements made by you will be considered a representation and not a warranty. Such statements will not be used to avoid insurance, reduce benefits, or deny a claim unless they are included in an application signed by you, and a copy of the signed application has been provided to you, your beneficiary, or your authorized representative. 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". For residents of New Hampshire: The Conversion provision for Limits on Right to Convert in the Life Details - Other Features section of the certificate is amended to include the following: Your Employer must notify you in Writing of your right to convert all or part of an Insured's life insurance coverage within 15 days after the group policy is cancelled or the policy is changed to end life insurance for the Eligible Group to which you belong. If your Employer does not provide Written notice to you within those 15 days, the time allowed for you to exercise an Insured's right to convert will be extended for 15 days from the date you are notified. The Continuation of Your Coverage During Extended Absences provision in the End of Coverage section of the certificate has been amended to include the following for Strike, Lockout, Labor Dispute :
GLIFE-STATEVAR
(1/1/2025) 7
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