If your Employer does not provide notification within those 15 days, the time allowed to exercise an Insured's Right to Convert will be extended for 15 days from the date notification is given. In no event will the time allowed to exercise an Insured's Right to Convert be extended beyond 60 days from the end of the Conversion Application Period. The Conversion provision for Life Insurance Coverage that can be Converted in the Life Details - Other Features section of the certificate is amended to make Conversion available for coverage which is being continued under another provision or rider. A provision for Continuation of Coverage for Total Disability has been added to the End of Coverage section in 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 Filing a Claim provision for Step 3 - Proof of Loss in the Claim Provisions section of the certificate is amended as follows: Proof of Loss should be sent to us within 90 days after the date of death or Covered Loss or as soon as reasonably possible. Proof of Loss, provided at your expense, must establish the nature and extent of the disability, and include, but not be limited to the following: - a certified copy of the death certificate or other lawful evidence providing equivalent information; - the date of Covered Loss; - the cause of death or Covered Loss; - the name and address of any Hospital where treatment was received, including all attending Physicians; and - appropriate documentation of your Earnings. If the Proof of Loss is not complete, we may require you to submit additional information. The Payment of Benefits provision in the Claim Provisions section of the certificate is amended to include the following statement: Benefits for which we are liable will be paid immediately, or within two months after we receive Written Proof of Loss. 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 or your beneficiary. 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 Complaint Process provision has been added in the General Provisions section of the certificate as follows: If we receive notice of a complaint by telephone call, we will respond with a return telephone call within 24 hours and send written correspondence to the complainant within 10 business days from receipt of the phone call. Upon written receipt of a complaint, we will respond in writing to the complainant within 10
business days from receipt of the complaint. Unum Life Insurance Company of America Attn: Customer Relations 2211 Congress Street Portland, ME 04122
GLIFE-STATEVAR
(1/1/2025) 10
Made with FlippingBook Online newsletter