800-321-3889 #2 e-mail: custrel@unum.com
In our written response, we address all issues stated in the complaint and include any necessary attachments such as a copy of the policy, a copy of the claim file, copies of all correspondence and any other pertinent documentation. You also have the right to file a complaint with the Ohio Department of Insurance, Consumer Services Division, 50 West Town Street, Third Floor-Suite 300, Columbus, Ohio 43215, (614) 644-2673, toll free in Ohio 1-800-686-1526. Complaints may also be filed via the internet at http://insurance.ohio.gov. The Children or Child definition in the Glossary section of the certificate always includes coverage for adopted Children. 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. The following notice appears in the State Requirements section of the certificate as follows: Holders of Certificates issued, delivered, or used in Ohio are entitled to all the protections afforded them under Ohio law, including without limitation, Title XXXIX of the Ohio Revised Code. If you are an Ohio resident insured under a group policy issued to an employer outside of Ohio, the following provision on the face page of your certificate is removed: "If the provisions of this certificate conflict with the provisions of the policy, the provisions of the policy will govern." References to the End of Ported Coverage provision in the Portability rider is amended to end ported coverage on the date the Employer's group policy is cancelled. In addition, this provision is amended to remove the last paragraph which provides that in the event the Employer's policy is terminated, insureds who have continued their coverage prior to the Employer's policy termination date will not be affected. For residents of Oregon: 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 South Carolina: 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 Continuation of Your Coverage During Extended Absences provision for Leave of Absence due to Injury or Sickness in the End of Coverage section of the certificate is amended as follows: Provided premium is paid, you will be covered up to the later of:
GLIFE-STATEVAR
(1/1/2025) 11
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